BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase has overly lied to me and I XXXX and wanted to get a modification loan or to reduce my interest of 6 % for years with good credit. When I made good money for the last 22 years with them they said I could not refinance because I made too much money. Now in retirement, of half salary, I tried to lower my interest payment, they now say I do not make enough. and the only option they say is sell my house, I 'm not behind in my payments but have student loans Then they give a generic survey and ask how you feel. You tell the truth and then they call to tell you that you are still wrong to feel that way and to add insult to injury, still take your money and do not do anything. I am tired of very bad service, I am a XXXX. I am so disappointed in Chase. if anyone could help steer me to someone else please do. Tired of very bad service of zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for a transfer balance credit line to consolidate my large amount of debt. I was not notified that i was approved, but instead Chase bank made a low payment without my approval to the line of credit they chose. I was not aware of this payment until i received a bill in the mail. I applied because i was trying to reduce my monthly payment while on a financial hardship, not to add another payment to my bills. If i would have been given the option i would have declined this low offer. i do n't apply to credit cards expecting them to make purchases for me. This is fraud and i do n't agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: SYNCHRONY FINANCIAL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is the XXXX time I 've had to submit a complaint on behalf of this card. The first time I spent a lot of energy and time submitting a thoughtful overview. This time I 'm just going to say - the customer service and operations for this account suck. The people who answer the phone can hardly help. It takes 20 years and XXXX phone calls to get anything taken care of. Each person has access to XXXX piece of the puzzle. My card was recently compromised and I 've yet to have anyone provide me answers to the questions I 've asked and I 'm not willing to spend anymore time on this issue by providing a thoughtful submission. Hopefully my complaint will put me in touch with an intelligent person in the organization that is equipped to give me all of the information I 'm looking for in a timely manner. It 's unfortunate I find the rewards for this card of value ( the only value the card provides ) or I would have chucked this out of my wallet long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I was charged the wrong amount by XXXX. I disputed this amount by XX/XX/XXXX with Chase NA. My billing cycle ends XXXX XXXX, this means that by FTC Disputing Credit Card Charges, that this must have been resolved by XXXX XXXX billing statement or 90 days whichever comes first. I did not hear back from Chase Bank NA until XX/XX/XXXX, beyond this period and it was not resolved until XX/XX/XXXX when XXXX gave a small refund. 

Chase Bank NA was informed when asked if my dispute was now resolved, that they did not resolve this within 90 days or XXXX billing cycles and could not collect the XXXX {$50.00} of the amount disputed. On XXXX XXXX, Chase went ahead and rebilled the entire amount of {$70.00} even though they should not have been able to collect the XXXX {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have opened a checking account with Chase bank in XXXX, CA on XXXX/XXXX/16 ... I deposited about {$9000.00}. Then i received a letter from Chase, dated XXXX/XXXX/16, that Chase decided to close my account, suggesting me to wthdraw my money and stop any automatic recurring payments.. The letter didnt specify the reason, i called the phone number on the letter, spoke with the representative, as well as the superviser, however, they didnt give me no explanation regarding why my account was closed ... They said " we have the right to close accounts, with no reason '' .as a customer, i need to know why? Please help me to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We purchased an apartment XXXX in an apartment complex named XXXX and received a loan from JP Morgan Chase Bank in XXXX. We have been paying the mortgage through the up and down of the market, including the financial crash in XXXX without even being late on any payment. After the crash, I contacted the bank and tried to see if there is a way we could refinance then, but was told that I have stop my payment before the bank would even talk to me, which would result in ruining my credit. I refused to do so. 

In XXXX I tried to refinance the mortgage through XXXX, a mortgage broker. After submitting monthly statements of my personal and business account for over a year, I gave up as it was n't going anywhere. I contacted Chase Bank directly in XXXX and submitted all the required documentation. They checked my credit XXXX and sent me a copy of their report indicating that my credit score is XXXX. However, after 3 months of checking everything, I was told that my application was rejected due to the XXXX credit report. I do n't know since when credit report of XXXX is ground for rejecting refinancing a loan that the same bank also has a10 years of payment history. 

On XXXX our payment will be 3 times as much and PJ Morgan knowing that we would do anything to keep our credit clean, they want to charge us 3 times as much on the loan that they have a 10 years history of payment rather than refinancing the loan for us. 

To us this is an unfair practice and would like to know what are our rights in this process and what it is that your office can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: LendKey Technologies, Inc.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation