BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
JP Morgan Chase Bank, Chase Home Finance LLC and XXXX XXXX XXXX, XXXX. ( Attorney for Creditor ) Filed False Claims XXXX XXXX XXXX. XXXX ( XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX and the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois. In the United States XXXX XXXX XXXX XXXX of Illinois XXXX XXXX XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX, mailed a notice of a Motion to Modify the Automatic Stay on XXXX XXXX, XXXX, and XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX obtained an Order Modifying Stay on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, filed a sale pursuant to Judgement of Foreclosure in the XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois on XXXX XXXX, XXXX. 

While under Chapter XXXX Bankruptcy Protection, Chase Home Finance , LLC and its successors and assigns and XXXX made false claims that they were the " Creditor '' servicing the first mortgage lien and obtained an " Order Modifying Stay '' on XXXX XXXX, XXXX by XXXX attorney, XXXX XXXX XXXX, XXXX # XXXX. 
JPMorgan Chase & Co., JPMorgan Chase Bank , N.A . letter dated XXXX XXXX, XXXX stated that XXXX XXXX XXXX was the Servicer at the time JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim. 
After JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim in the United States XXXX Illinois XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, proceeded to file a sale pursuant to Judgement of Foreclosure on XXXX XXXX, XXXX in the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois with a sale or auction by the XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX. 

JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX claim in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX was factually untrue at the time the claim was made. 

XXXX. False Claims -- XXXX XXXX XXXX XXXX XXXX ) Subsection ( XXXX ) of Section XXXX sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is XXXX that is known by the creditor to be factually untrue at the time the claim is filed. 

Subsection ( XXXX ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title XXXX, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was closed because of some activity on my account. Paypal said they will hold my money for XXXX days. That was XXXX year ago. Paypal keeps telling me it is under investigation. I keep calling and they tell me the same thing. I would like PayPal to release my funds. PayPal is basically stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had numerous problems getting my funds transferred from Citibank in XXXX. I was told if i wanted to access the funds in my savings i had to open a checking account, which i did not want but did so just to be able to access my money. 

After the funds were finally transferred, I requested that all accounts be closed. One of the accounts ( checking ) was closed, the savings account was not closed, though I made multiple requests to have it closed both online and on the phone, I was told it would be closed.

I received a notification that the account was not closed, and additionally that i have been assessed multiple fees for low balances. I am now chatting with them and they tell me becuase i am an elite customer, i have to call xyz to get the account closed, and when you call that number no one answers. 

I really want the accounts closed like i asked, this is a complete scam.

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 2015-07-13
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with Green Tree Servicing , LLC ( where I currently have my mortgage ) on XXXX XXXX, 2015. The loan officer name is XXXX XXXX XXXX and he said that my loan is approved awaiting for the title clearance. I sent them the XXXX documents for about XXXX times and they kept saying that those documents were not the correct XXXX. They were doing this for over 4 months. Finally the manager at title company stepped in cleared the title with the documents that we sent. In the meantime the title company clearing the title, the processor at Green Tree closed the file without letting anyone know. I contact the manager at Green Tree for help and he did n't help at all. Now the title is clear and I want to close the loan asap. It looks like Green Tree does n't want to refi my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Nelnet, Inc.
State: NY
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:
My servicer Nelnet is taking any loan payment I make in excess of monthly accrued interest and applying it to the principal of the loan with the lowest interest rate ( lender friendly result ). I asked them to change this and they said I can not since I 'm on an IBR plan. This seems predatory to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: MarkOne Holdings, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Platinum Holdings Group, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving calls regarding an alleged debt. They have contacted my father-in-law in regards to the debt as well as my mother, numerous times. XXXX third parties verified they had the correct phone number for me and advised them to call me directly. I returned their call and asked for documentation to be sent to me by certified mail. They wanted me to pay the balance by debit card immediately. I explained that I did not feel comfortable with that, until I saw documentation. To include the original alleged creditor, amount, etc. I was transferred to another dept. and they left me on hold for several minutes. I attempted to call back and no one answered. I received another call from them on Thursday XXXX and asked again for documentation. They transferred me to a man named XXXX and he said he had already sent mail. I explained that I had not received mail from them and he said " Why do you want a letter, are you going to dispute this? '' I responded possibly, but I do n't know until I can verify through documentation. He hung up on me. Today, XXXX/XXXX/16 I received a call from the same company at approximately XXXX I again asked for documentation and the girl who I spoke with transferred me to a gentlemen. He stated his name, but I could not understand what he said. He refused to spell his name, or repeat his name. He stated he did not have to tell me his name, I owed him {$800.00} and he was not sending me documentation. I asked several times for his name and he refused. He stated I would know his name when they " put me jail '' for not paying my debts. He also called me a liar and said the only documentation that I needed was my credit report, because it shows I do n't like to pay bills. He then stated " pay your bill '' and hung up. I attempted to call him back several times. and each time he would answer and say " just pay your bill '' and hang up. I called again at approximately XXXX and this time he took the call, but with out speaking. I asked to speak to his supervisor, asked for his name, asked to receive documentaion, so that if this was a matter that need to be resolved I could proceed. He refused to speak. He sat in silence for XXXX minutes and XXXX seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2016-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase has blacklisted my personal methods to bank with them. Chase closed down my business accounts many years ago without merit. Apparently this is affecting my personal relationship with Chase, keep in mind I have a mortgage account with Chase. I want Chase to take me off these lists because I am unaware of what blacklisted me. This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief