BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: Van Ru Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
JP Morgan/Chase Auto and XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX and XXXX XXXX of NH, perpetrated a FRAUD car loan upon me in XXXX of their high-risk predatory lending schemes for which they have been previously penalized/fined by Federal Government by litigation brought forward by NH Banking Commission in XX/XX/XXXX-to date. 

On XX/XX/XXXX, all of the above perpetrators received a CH. XXXX demand letter requesting they cease and desist their fraudulent claim against me and remove/delete all derogatory reporting filed against me in credit reporting agencies, and stop high-risk predatory auto loan schemes against me. 

MA and NH Attorney Generals have received copies of my Ch. XXXX demand letter and complaint against above perpetrators. NH Atty General forwarded my complaint to NH Banking Commission which originally successfully litigated against JP Morgan/Chase in their previous high-risk predatory mortgage-lending schemes and Fed. Govt penalized/fined them for their illegal actions. 

On XX/XX/XXXX XXXX XXXX received notice of a fraud alert on my account by JP Morgan/Chase Auto, yet continued to update my XX/XX/XXXX Credit Report including derogatory comments on my account. Please contact TransUnion so that these derogatory comments by JP Morgan/Chase can be deleted. I lost XXXX points on my credit score because of these fraudulent derogatory comments notated by TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had ordered tickets to a hockey event for XXXX XXXX, XXXX. I had called the credit card company to let them know that the tickets arrived later than I expected for a XXXX XXXX birthday gift and that the tickets that were not the ones I had ordered. The section and row was changed on me without my permission or knowing of it till after the purchase. I had called Southwest Visa and their representative said that since the tickets were changed on me that I could return them to the seller for a refund. I returned that tickets, certified mail, just as the credit card company representative told me to do so. As I 'm awaiting a refund, the event had past. Later the company had told me that the charge was valid and that there would be no refund. Well, because of the misinformation of the representative from visa, XXXX XXXX XXXX @ XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX ) I had no tickets tickets to the event and was still charged the amount of {$1000.00}. XXXX. Visa keeps ignoring the letters I sent them about my issue with the charge. They are not seeing the fact that their representative directed me incorrectly with what to do and therefore I had no tickets to even go to the event if i chose to attend it and not give it as a birthday gift. Whatever help you could provide me with would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15, Chase alerted me to potentially fraudulent activity on my account. I verified that XXXX checks appeared to be fraudulent. I was told a fraud alert was being placed on my account. I was told that my account would be credited in XXXX business days. The next day, XXXX additional checks were presented. XXXX of them were not cashed due to insufficient funds. XXXX of them were. I called again to update my claim. Again, I was told that my account would be credited in XXXX business days. I called on XXXX to get an update and again, no credit, no additional information. On XXXX, I contacted the bank again assuming that some, if not all, of my funds would have been refunded. At that point, I was told that I needed to submit an affidavit. No one told me that previously. Nonetheless, I submitted XXXX shortly after it was requested. On XXXX, I contacted the bank again expecting to have my account credited as it 's the XXXX business day. Instead I was told that they had not assigned my claim, that it would take an additional 10 days to process, that they could do nothing about my the fees they assessed or the money stolen from my account until that time. My lawyer and I then spoke to their Executive Office seeking their intervention. The person I spoke to said that it would take XXXX to get any additional information. Due to Chase 's failure to protect my money, I 've been assessed fees by vendors, been penalized by another financial institution with which I have an outstanding loan, and have not been able to pay vendors. Chase ' failure is impacting my business negatively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I would like to have a US Regulator to look into the previous complaint XXXX. 
The agent representative closed the complaint without any assistance given. 
Furthermore questioned my integrity on this matter saying is not phone records in what the Customer Service told me about removing the late fees on a Chase Credit Card it got closed without mine knowledge. Also in that letter said the monthly statement I did n't receive it does n't show be returned to them, even " I told their customer service few months ago sometimes my mail got lost I do n't received non just from Chase '' At this time I would like to report violations to my consumer rights under the FDCPA due to Receiving Early morning and late night collections Phone calls, also reporting bad credit to the credit Bureau agencies and to stop sending Monthly statements on a dispute that I currently I have about their late fees. Chase it looks its ignoring and do n't respect the FDCPA, if they continue with this behavior for I may file legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Before 2011, I had several rewards credit cards from JP Morgan Chase. I used these cards for my daily expense activities. I paid balance for every card in full every month. There is no abnormal activities on the cards. One day, Chase suddenly closed all my credit cards without notification. I called several times to ask about the reason of card closure but no one give me a reason. Written notice also give no reason about it. Since then, I am banned to apply for Chase credit cards any more. I tried a couple of times but always got denied due to the reason of " unsatisfactory relationship with Chase ''. I always have a good-excellent credit history. Right now, I am living in a state which Chase is the most popular bank there. It will be very inconvenient to not have a chase bank cards and accounts. I am expecting Chase to remove me from their " Blacklist '' and evaluate my application based on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: DFC Global Corp.
State: MD
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:
I have reviewed a copy of my credit report and I show company MONEY MART account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and XXXX  I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
i have been working with Chase bank on short sale packets for over three years. In the last 9 months I have submitted all the paperwork they need ( which is a huge amount of information ) at least XXXX times. Each time they have me change an item and resign and resubmit or if they do n't get to the packet within a certain amount of time I have to resubmit everything with updated pay stubs. They have also assigned my case to about XXXX different people and each time those new people want more or different information. I believe they are stalling or dragging this process out for some reason. I am XXXX and it makes it very hard to deal with this because of different time zones.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for the JP Morgan Chase Southwest Airlines Premier Credit Card on XXXX/XXXX/16 in order to earn the advertised XXXX points if you apply for the card. I applied for this card solely based on me getting the XXXX points since Southwest 's website clearly stipulates " earn XXXX after you spend {$2000.00} on purchase in the first 3 months. '' After spending over {$3500.00} and not seeing my earned XXXX points, I contacted Southwest ( " SW '' ) and they referred me to JP Morgan Chase since Chase are in charge of the rapid reward points. I contacted Chase on XXXX/XXXX/16 and spoke with XXXX XXXX who told me that I had gotten a different promotion and there never a promotion about earning XXXX points. I referred him to at that point directly to SW 's website to which he saw that this promotion was indeded being advised. Upon realizing there was in fact a promotion verifying what I said was true, XXXX immediately switched by stating that I did not qualify for the earned XXXX points since I booked a flight but got the {$200.00} credit instead. I told him that that was nothing on the SW 's website that indicated that I would forfeit the XXXX credit or there should be transparency in advertising for this card. He said in order for me to get the {$50000.00} points, I would have to pay them {$200.00}. After stating that I would dispute the {$200.00} fee, he told me that he was unable to give me the XXXX points and referred me to their Executive Office. On XXXX/XXXX/16, I faxed a letter to XXXX XXXX as well as the Executive Office explaining my plight. I was contacted on XXXX by a XXXX XXXX who stated that she would have to charge me the {$200.00} and that this is not the first time this has happened and apologized to me. XXXX went on to state that they have been working with SW marketing team to correct this misunderstanding. I told her the fact that so many consumers are calling regarding this, Chase has done this intentionally to defraud consumers in thinking that after ranking up over {$2000.00} they would earn XXXX points. What Chase is doing is false marketing and fraudulent to say the least to get consumers to apply for this card and have them charging over {$2000.00} within XXXX months thinking that they will earn XXXX points and then give them a different promotion and then turn around and charge them {$200.00} fee in order to get these points. I told her that that I will contact the Federal Reserve Consumer Help for assistance in Chase false advertisement regarding their Chase Southwest Premier XXXX Card. I will also reach out to 60 Minutes to do an investigation on Chase as well as contact my congressman to file a Congressional Complaint on my behalf to STOP JP Morgan Chase from defrauding the general public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS

Company response to consumer: Closed with explanation