BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I requested an autopay arrangement with my recently obtained Chase Slate visa credit card and the authorization form has only two options : either " minimum payment due '' or " full amount due '' ( which having just transferred a balance from another credit card is not an option at this time for me or probably for many others ). No option for selecting a fixed amount higher than the minimum payment is provided on the form, which is more than likely intentional to keep folks trapped in making minimum payments down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
son took out home equity loan, I signed as a grantor to use my house as collateral. I have NO mortgage. Son died. Loan is ONLY in his name, I was turned down for food stamps because they do n't see that I 'm still having to pay on dead sons loan. I live on SS and loan comes only in his name at XXXX a month. Indiana offered hardship loan of {$30000.00} to Chase bank but needed assumption letter with my name on it. Chase refused stating they only do that for mortgages. I applied for my own loan just so I could lower payments, even with a credit score of XXXX they turned me down. I 'm XXXX yrs old. I do n't see how this is legal banking practices. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Maury Cobb, Attorney at Law, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
My debit card expired and they sent me a new card which I used XXXX times. 
Then in the mail I got a bill for my XXXX transactions and a XXXX advance charge. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau " ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: AL
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/2018 I disputed 2 accounts with Equifax XXXX XXXX XXXX XXXX, XXXX XXXX and asked for validation of alleged debt. The agency wrote back that it was verified and didn't provide me with proper documentation of validation, On XX/XX/2018 I requested validation again to no response, on XX/XX/2018 I requested documents again to no response from the Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Credit card
Issue: Payoff process

Complaint:
Tried to utilize a debt consolidation company ; things got worse. Filed for bankruptcy and had to voluntarily dismiss due to high IRS debt that ex husband was paying his half. 

Reached out to Portfolio Recovery to offer $ XXXX month payment and also have collection status come off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today is the day I decided I did not want to keep my Webster bank account anymore. Im very disappointed at this bank. My little sister and I live together, and she recently went back to school in a different state. She recently had a check that was sent to the house right after she left for school. Because we knew itll take a while for her to receive it if I was to mail it to her, she gave me permission to deposit the check and send her the funds since she doesnt have any money nor food to eat. Long story short, I deposited the check, and Webster bank had it on hold. I then contacted them to explain what was going on and stated my sister needs the funds ASAP as she is in a different state with no money or food. I stated I can provide anything they needed from me. Ive been a customer with them for over a year now and never had any negative issues with my account. I was on the phone with them for over 2 hours and asked for a manager multiple times. I was never transferred to one, instead the customer service representative was the middle man between the managers, fraud department and I. It was very frustrating that they kept relaying messages to him as I'm pleading my case to them. It is Tuesday XX/XX/2020 and their option was for me to wait until the end of the week to pick up the check at a local bank. I told them I can not wait that long because this is clearly a life or death situation and they clearly have the power to release the fund. I gave them options to directly wire the funds to my sibling or have the check available earlier because like I stated she does not have any money at the moment and needs it. My parents are out of the country and the fastest way for her to receive the fund was for me to deposit. i stated to Webster bank I can have her send in her driver license or a letter stating she gave me permission to do that. They were very unhelpful and I was very disappointed because now Im sitting here trying to borrow money from someone just so my sister can eat. They verified the check and it processed and approved however, they did not want to help any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: COLLECTIONS USA, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It is with desperation and respect that I again request from you to please review my file. I Have requested and provided financial documents to Chase various times. 
I wrote to you on XX/XX/XXXX and XX/XX/XXXX never received correspondence. I know that you are there for the consumer. I have provide over seven file and appeals to Chase to no success. I have now received from the bank attorney a " notice to occupant of pending acquisition. '' I decided to investigate and found out where I stand with Chase .My loan according to my note and mortgage is an FHA mortgage. I want to make this story short by letting you know that when I called HUd they stated that they could not help for my loan was not insured. All these years I was paying MI on my mortgage payment .Here I s the FHA case number XXXX. This file was originated as an FHA loan. 
I just received another notice that my home has a sale day of XXXX XXXX Please help, help some one is committing fraud in here .It is my understanding that Hud is there to defend the Fair Housing. I am a minority with no recourse. Please understand that this is my primary residence. and roof over my head. 
The reason for my default was due to loss of income for my wife was injured at work.I want to preserve my home please I want to settle this matter and make payments. Give me an opportunity. I am devastated. I could have began to pay my mortgage over a year ago. Chase is not giving me any other alternative than to proceed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/15, I completed the terms of a settlement agreement offered by chase on my account ending in XXXX, but it was never appropriately reported to the credit reporting agencies. When I made my payment of {$730.00} to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a XXXX balance due. However, my credit reports are still noting a balance of {$970.00} even after I called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit scores and my ability to get credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for a chase freedom credit card. I was approved and mailed the card. After about two weeks of having the card I went to use it and the transaction was declined. I had never used the card before so I called the automated number for balance information and it said that the available balance was XXXX. I called customer service and was told that all the credit had been used on a balance transfer. I unmediated reported this as fraud as I had never done a balance transfer or used this card. I followed up and was told that the fraudulent activity was removed from the card and a new card was issued. I began using my card. I receive a bill and see that the fraudulent activity is still on my card. I call faud services and they say that an investigation reviewed that the charges were valid as the transfer was to an account in my name. I once again dispute this as I do not have an account in my name to transfer to. They provide new details. I have been transferred from XXXX department to another with no resolution. It has been 4 months since the fraud happened and I do not want to keep making payments each month for fraud activity! I would like to pay and close this account but can not because of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy and did not include my mortgage as I intended to keep it and have always paid on time. After I filed my BK but before it was discharged a law was changed stating that you must reaffirm your mortgage with your bank. I was never notified and my bank refuses to list my mortgage on my credit reports and it shows up as included in my BK. So my years of perfect payments do n't show up on my report. Chase bank has admitted that this fell into a grey area but says there 's nothing they can do about it. I want my mortgage to show up on my credit report because I notified them that I intended to keep it and make payments on time. They acknowledged that they never told me I needed to reaffirm and it was their fault and now they notify all the BK customers. Please help me get my mortgage back on my credit.

Company response to consumer: Closed with explanation