BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Other fee

Complaint:
I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX

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 2015-11-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I called to Chase bank telling them that somebody withdraw a money from my Chase bank account. 
On XXXX XXXX, 2015 I received a letter from Chase bank telling me that It is my fault that somebody withdraw money from my bank and they can not give me credit for the {$300.00} somebody withdraw from my checking account, the easy way, I am really do not know why they say that, chase bank had enough time to investigate the guy who did the fraud, and they did not, It was very simple, Chase bank supposed to withdraw money from other bank where the other guy deposited the money and deposit that amount in my checking account, but they did not, or what did they suppose to do with the guy withdraw the money without authorization from my checking account? 
It does not make sense, they did not investigate the guy did the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CCS Financial Services, Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with XXXX and provided the proof, XXXX refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XX/XX/2015To Whom It May Concern : I applied for a Chase Freedom account in XXXX, 2015 and was approved with no issue. In fact, Chase requested and received my XXXX Credit file on XXXX/XXXX/15 and XXXX/XXXX/15. I applied for the Chase IHG card on XXXX/XXXX/15 Chase requested and received my XXXX Credit file and the account was approved. I applied for the XXXX XXXX card on XXXX/XXXX/15. Chase requested and received my XXXX Credit file and the account was approved. I applied for the Chase Amazon card XXXX/XXXX/15 Chase requested and received my XXXX Credit file and was approved. On XXXX/XXXX/15 Chase requested and received my Credit file again. 

I made charges on all accounts and paid the charges off in full and on time or before the due date. Then, on XXXX XXXX, 2015 I attempted to use my Chase Freedom card to make a purchase and it was declined. I called in and was asked questions about purchases that I had made and more questions to " verify my identity ''. My accounts remain frozen. I have asked repeatedly for an explanation and none has been given. The only statement that I have received is that the individual on the phone can not tell me but that the accounts are under " further review ''. I would like an explanation of what is going on. I have expressed a desire to receive something in writing regarding this issue and to date, nothing has been received. I have been promised calls back, and have not received them. 

I have contacted Chase repeatedly in an attempt to understand what information the company was unable to verify, if that is the issue. Each Chase representative basically stated the same thing every time. Unfortunately, no one within Chase has the ability to inform consumers of what issues have occurred. I contacted XXXX, XXXX and XXXX and verified that all my identifying information listed on my Chase application matched the information in my XXXX credit file. The information on my Chase applications were in compliance with Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application. 

Desired resolutionWhat do you think would be a fair resolution to your issue? 

I believe that Chase should and is required to make credit equally available to all consumers and because of this failure, I am requesting that Chase contact XXXX to remove the credit inquiries of XXXX/XXXX/14, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 and further, to delete these accounts from my credit report as Chase indicates that they are unable to verify my identifying information despite XXXX informing me that my credit file has the correct information listed. A statistical analysis of Chase applications for the Chase Freedom card will document that Chase has n't made credit equally available to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I paid a deposit and first months rent ( {$300.00} & {$450.00} ) for an apartment XXXX XXXX that I did not move into. XXXX the apartment XXXX told me I would be receiving a refund to my card but that didnt happen so I disputed the charges. I received a reversal receipt from XXXX XXXX on XX/XX/2022 and sent it to chime. My claim was closed accidentally via the app and when I called chime to reopen they told me it was denied so I escalated it and was still denied on XX/XX/2022. So now I do not know where my money is because the apartments are saying that they never received the funds in the first place and that I owe them {$200.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a used car ( Suzuki SX4 ) in XXXX of 2011. I was consistently making monthly payments of $ XXXX/month until XXXX of this year, when I decided to pay the rest off with money I took out of my IRA. I paid off this money to Chase Auto Finance. I have noticed that XXXX and XXXX show that I did in fact pay it off, but XXXX seems to still show that I owe about {$6300.00} on it. I would like to get this corrected, as I am concerned it will make it hard to purchase another car when the time comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: WA
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Equifax on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have had nothing but trouble with a chase bank line of credit. The balance is about XXXX. I pay about XXXX per month, although i have been paying extra monthly toward principal. This is the situation. XXXX in 2013 i attempted to refinace my home with XXXX Bank. I still have all emails regarding this. Due to my difficulty in getting a sobordination from Chase i could not refiance at the low rate. It went up during the time i was doing this. In addition my amount was XXXX available but they refused to provide a sobordination unless i signed a paper ... forced lowing my amount to what i owed which was about XXXX. I had no choice..blackmail. Due to their delays and the requirement which took time, i did not get to refinace. Now i have been approved to refiance with Harp at XXXX XXXX. My credit is about XXXX and i have no " dings '' on credit report. At that time in 2013 i paid for the sobordination but never acutally got it or used it as i withdrew my refiance due to all the delays raising amount of interest. Not worth it. Now i would like to refiance and i dont feel i should again pay for this. Especially with the incident i am also complaining about that occured this week. I went to make my payment. I had called to find out the grace period, as i always pay in person and i was out of town on the XXXX the date due. I found out i had 15 days with no late payment. So on last Tues I went to make my payment at the Chase Bank at the XXXX, Fl Branch XXXX. I had the ck written for XXXX as i have done that to pay part on loan and part on principal. They REFUSED to take the check. the insisted it was late and the balance needed to go for late fee. The manager, not to bright, came out and agreed. I called Chase on phone ( they say recorded XXXX these calls XXXX and they verified no late fee. I then took my phone, called chase and put the manager on the Phone with Chase. They advised him no late fee. They had to tell him how to do his job. I had another appointment ( XXXX per hour ) that i could not go to dealing with this treatment by this bank. Then, after hanging up he made me write a new check for the exact amount. To DATE i have not been about to pay on the principle.I then wrote a XXXX check to go to principal. The BANK refused to accept the payment toward principal. I was in a hurry and did not again call Chase to teach this manager how to do his job. So i will be charged interest i should not have based on extra payment. What a bank not allowing you to pay toward principal???? He told me to mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: CA
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 took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation