BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: Pinnacle Credit Services, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Credit Karma, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 I applied for XXXX XXXX through credit karma. 
I was told my approval odds were outstanding. But when I applied, I was denied and my credit score went down at least XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The credit card company sent a letter indicating that the card would be cancelled for non-use within 60 days. At issue is the impact of this cancellation on my credit rating. A call to the company provided no change to their cancellation plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CFM Group LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I do not know what this account is, no one from this company has ever tried to contact me about this debt. If I know about it I would have paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: Pinnacle Credit Services, LLC
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying more that my actual monthly payment to Nelnet for years as I was trying to see if I could pay my student loan in 10 years. I would call and they would tell me that it would be applied to principal. Since I have it set up automatically I just call in to make sure that my over payments are applied and they always would tell me that yes they are being applied and that I was making inroads to paying off my student loan debt. 
After looking at my statements and seeing that I am now paid up until XXXX of next year I decided to call again to make sure that my payments were applied to principal and the CSR that I talked to said that they could n't so I asked to talk to a manager or supervisor. Again a supervisor by the name of XXXX ID XXXX told me that I was making inroads as he that I was way ahead with my over payment but that he could not apply my over payments to principal. So then, I asked him I have already been paying for 10 years on my 20 year note and can you tell me how much longer I have to zero out my student loan debt? And he told me that I had 10 years left. And that is not right as I along with a whole bunch of consumers out there are being had. They need to put a stop to this kind of preying on innocent consumer that think nothing wrong of them until we look at our lenders more closely. 

Please assist me in making a wrong right as we have way too many scrupulous business out there. And we certainly do n't need this additional burden on students that are coming out of colleges and universities and are already carrying a big load of student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was on vacation in XXXX. I was only supposed to be charged XXXX for my cab fare. However, the cab driver took advantage of the fact that I was traveling and instead charged me XXXX on my credit card. He then proceeded to say he did n't understand how to refund it, and he also refused to provide me any paperwork. I had to catch a flight, so instead of continuing to argue with him, I left and decided I would contest the charge with my credit card company. However, now my criedit card company is saying that there is nothing else they can do regarding the dispute process and because I do not have any paperwork ( since the merchant REFUSED TO PROVIDE ME WITH ANY ) there is nothing they can do, and that my credit card will be charged. I disagree with this practice. The charge was a fraudulent unauthorized charge and my credit card company refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My private loan in collection they froze my account I do n't have a lot of money they asking for If I did I would be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged {$130.00} from a merchant to repair my iPhone. The workmanship was poor and the phone screen came off a week later. I presented the proper evidence for a refund and they did not issue me a refund. They then promised to issue me a refund, they never issued me a refund, and when I called back, they said they would no longer honor the original amount of the refund offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was denied a {$10000.00} credit loan with Wells Fargo. The reason given was that ; Amounts owed are too high relatve to your income. 

XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to 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 2015-07-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.

Company response to consumer: Closed with explanation