BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/16, I initiated a domestic online wire transfer of {$300.00} from my bank Chase to a recipient at XXXX XXXX XXXX. I was made to understand while completing the online process that there would be a {$25.00} fee for the wire, which was okay by me. A total of {$320.00} was debited from my account. 

As of XXXX/XXXX/16, I called Chase to check on the wire status after being informed by the recipient that they had n't received the transfer. Chase explained to me that the wire was returned by XXXX XXXX XXXX ( XXXX ) citing incorrect account name. They mentioned XXXX had deducted {$45.00} and they were only returning {$250.00}. 

I have unfairly been charged {$60.00} by both banks for a service that was not performed ( {$25.00} by Chase and {$45.00} by XXXX ). This leaves a bad taste in my mouth and I humbly seek assistance in adjudicating this issue fairly. 

Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CrossCountry Mortgage LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with Cross Country Mortgage My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of Cross Country Mortgage, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ 587 monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to Cross Country. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.

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 explanation
Consumer complaint received 2016-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Overlimit fee

Complaint:
I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( {$75.00} ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! 

It is essentially a pay day loan pretending to be a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
overwhelmed in student loan debt can not find a career in the field of choice that pays a decent wage. will eventually stop paying loans to support my family better

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with XXXX.  I mailed in my monthly payment to XXXX via a XXXX. I found that my payment was not posted to my auto loan account and I called XXXX and they said the XXXX was cashed. I requested the copy of who cashed the XXXX and the back of the XXXX indicated it was cashed by JP Morgan Chase. I do not have an account with JP Morgan Chase and I have no idea how they got ahold of the XXXX made out specifically to XXXX; and why did they cash this XXXX that was not made payable to JP Morgan Chase?  I called JP Morgan Chase and they told me that they did not cash the XXXX, but I have a proof that they cashed the XXXX as I requested a copy of the cashed XXXX of which I had to pay $40.00 to get this copy. The amount of the XXXX was for $XXXX, this was a two month car payment. In the mean time, XXXX has reported me as late to the credit bureau. I have taken time off work to settle this with no end result. Also this has caused me alot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
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:
I had a XXXX XXXX Student Loan for years then it went to Navient. I have been paying on this load ( {$20000.00} ) since 2006 and my balance has only gone down by {$2000.00}. The loan amount is always different every month and the balance just never seems to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
SPECIAL REQUEST TO CFPB : CFPB FILINGS OF XXXX, US BANK IN XXXX XXXX, I WOULD LIKE TO LINK IN TO THE FOLLOWING PLEASE : XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. XXXX ID NUMBER XXXX. XXXX XXXX XXXX, MANAGER OF US BANK, ( XXXX CFPB Filings ) XXXX XXXX SHOULD BE NOTIFIED OF THIS XXXX FILE IN THIS INCORPORATION REQUEST. POSSIBLE PARTICIPATION OF XXXX COMMON ASSISTANT MANAGER EMPLOYEE, ( ACTIONS SIMILAR TO FILING XXXX, XXXX/XXXX/XXXX, a previous bank where US Bank Assistant Manager once believed to have worked ). 
Participating In A " BANDWAGON, '' BRINGING MILLIONS IN DAMAGES TO AN ESTATE AND OTHER BRINGDOWN EFFORTS WHILE ABUSING BANK AND BANK PRODUCTS. FACILITATION OF DETRIMENT AND DAMAGES, TO CAUSE FURTHER PREDICAMENT OF FUNDS BEING LOW THROUGH XXXX US BANK REASONS FOR CFPB FILING ACTIONS.

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
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: DE
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:
On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
In 2010 entered into a Loan Modification Agreeemnt with Bank America who charged me {$17000.00} in fees and costs. This amount is grossly overcharged. I received a schedule of fees and costs for a for {$1900.00} from BofA. The Bank has overcharged me for the sum of {$15000.00}. Bof A has not responded to my numerous complaint and a Respa complaint. This matter is quite straight forward and relies on the Banks own documents. I have attached the documents and my most recent letter. I want the correct sum of {$15000.00} paid back to me via check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.

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 explanation
Consumer complaint received 2017-01-12
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My identity was stolen and someone opened up a XXXX account in my name in Alabama. I reside in New York and have no nexus to the state of Alabama. They ran the bill up to {$3000.00}, I learned XXXX assigned the case to Amsher Collection Services ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL XXXX. Amsher is represented by XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX # XXXX, XXXX, AL XXXX ( XXXX ) XXXX. Neither Amsher nor XXXX XXXX will provide a bill or statement of amount due. They hang up on me when I ask for any kind of statement. They never provided any verification of debt. Without any kind of statement I am unable to file a police report, and if I am unable to file a police report I am informed by the credit agencies I can not successfully have the debt removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Paid off loan XX/XX/XXXX or XX/XX/XXXX. Have been trying to contact XXXX to get a copy of the lien release for the paid off trailer. I call and enter my social security number, and it tells me it 's " invalid ''. I do this repeatedly until their automated system tells me " please call back when you have correct information. Goodbye '' - then I 'm hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been with Chase card services for over 7 years. Today I received a letter saying my card will be close do to inactivity. I called asking to have the cars remain open and was told there is nothing that can be done. A few months back I was inquiring about the fees that will apply and how to maintain steady line of credit with them. At that time I know I would n't be using the card for sometime. I was informed that I do n't have to do anything. When the annual fees show for me to call them and they can remove them. I also ask if I would be able to freeze my account. I was informed that as long as activities was done one the account within 5 years, I have to do nothing. 
I was also told about the chase slate card in which I received. Had I known the information was incorrect I would have used my freedom card. I would like to keep the card open. The customer service center also stated that this will show on my account as a closed account. 
My concerns is if it is unable to remain open and have to be closed. Will it show close do to inactive and not just as close with out explanation because that can put a bad impact on my credit. 

Please let me know if there is anything I can do. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Disputed a charge XXXX/XXXX/2016. They have not sent me a final letter regarding this dispute though 2 billing cycles has passed. They claim that it 's not final until 90 days has passed and my understanding is that the law mandates that the investigation be final by the EARLIER of two billing cycles or 90 days. I spoke to XXXX supervisors at the credit card dispute dept and they advise me it 's not final until 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had sufficient funds in the bank to make a transfer to cover valid ach / recurring payments I authorized. In the past and for many, many years, the bank has paid the amounts, sending me notification of the insufficient funds, at which time I would make a transfer or deposit timely to cover the payments. For the first time in several years, the bank decided to return items unpaid and charge return item fees without allowing me the opportunity to cover them. When I called the bank, I was advised by XXXX, a supervisor that Chase can and will return items at their discretion. There is nothing she could do about it. I advised her I would be leaving the bank as soon as my autopays were set up elsewhere. It appears Chase is willing to treat loyal customers with complete disregard to collect a few fees before the end of the year for their shareholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Amsher Collections on behalf of XXXX. No notification from them yet the hit my credit report. Called them and they ca n't locate my debt. I need help to get it removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.

Company response to consumer: Closed with explanation