BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I was out of work last year, XXXX XXXX if went to XXXX for a credit card for assistance. They said that it was {$25.00}. Monthly payment minimum, but they are charging 22 % interest into the payment and at the same time tell me I can not pay the interest off till the {$1500.00}. Balance is paid off. But am told that my bill payments are including the interest. Thats XXXX the interest I have to pay, and I did n't even recieve that credit card, it was a simple store card ca n't even have a pin attached to it. But chase bank wo n't raise my credit limit so as to pay off XXXX and fix my credit, and the last time I was told to talk to XXXX about my issue since they uses XXXX but the mailer is from XXXX and still denighed why do they not want me to have good credit? I 'm needing to fix my car to get to work I need a new car and a house, but why do they say its too many credit card and too high a revolving balance, the balance was cause I had to go to XXXX for service and then lose the good paying job, but I 'm trying to fix it and no one cares I 'd said I 'd rather pay chase then XXXX cause they falsely charge interest, but am denighed need to get assistance with this I cam pay it down but when constantly changing rules I ca n't find a foot hold and maximum I asked for was {$5000.00} to pay off XXXX and get car fixed, at minimum pay {$50.00} monthly about XXXX rates! But will pay gladly since my housing is affected by no credit or bad credit, bug XXXX 'd like that XXXX XXXX get dealt with for being bad business.. If they can charge XXXX on interest then I should be allowed to get my credit limit raised so that I can avoid them altogether and have maintenance money so my car does n't break down and I lose my job, then am XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Consumer Finance Protection Bureau : My father name XXXX XXXX XXXX he is persistent XXXX. His XXXX digits social security is XXXX his previous mailing address was XXXX XXXX XXXX XXXX, XXXX , Oregon XXXX. He has checking account at Chase Bank but now he is not able to manage his checking account. I am his daughter and want to be his representative manage his financial. I went to Chase branch at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX on XXXX XXXX, 2015 but the branch manager was not able to answer my question what documents I should provide to be my father representative or power of attorney but in this case my father can not able to sign any document because his XXXX. I do not know why a chase branch manager does not have a basic knowledge to answer what documents should be provide if my father has checking account but his XXXX is not able to manage his checking account at this time and I want to be help him manage his finacial and checking account. She did not know everything and did not help me at all. really bad service at this chase branch. 

XXXX XXXX XXXX XXXX XXXX XXXX, oregon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX I had a house fire it was a total loss. XXXX was my hazard insurance and I had an old policy which XXXX paid out in full to rebuild my house. My mortgage is with XXXX Chase Bank so the insurance checks was paid into XXXX Chase Banks insurance claims department. I should have been in my house no later than XXXX XXXX, my slightly less than a year from the fire. My contractor is excellent, XXXX was excellent. The problem lies with Chase not wanting to release the funds that belong to me to rebuild my house. XXXX XXXX my contractor was owed {$71000.00}, I requested the funds and Chase sent me a check for {$10000.00}. Here it was XX/XX/XXXX and the contractor 's subs were owed, it took Chase until XX/XX/XXXX to pay the balance even though the funds were siting in escrow, I threatened with a possible law suit. I am displaced and now am 8 months beyond the time I was should have been back in my house. Chase stated that the build out is reported at XXXX % and have denied my requests because it is stated that for further payment it must be at XXXX %. Without further draws my contractor is being kept from reaching the XXXX %, he must have a further payout to proceed. I will NEVER get back into my house without further funds being released ASAP. My contractor needs the funds for sheetrock and all of the goods needed to start on the finish work. Without the payout my contractor ca n't proceed and Chase is keeping me displaced. The message from Chase to me is, " XXXX XXXX you will never be back in your house. Your build out is at XXXX % and will eternally remain there because we are not going to give you another dime of your insurance money, so you can complete the process of rebuilding you house as your insurance company intended you to do with the funds from your hazard policy, because our policies are in place so we can use your money regardless of why you received it. '' My storage bills continue to mount up and I am getting to the end of my rope. My personal costs are escalating because of the unnecessary delays. In the end I may actually have to consider suing for financial and emotional damages. I am now taking valium for the stress so I do n't have a pervious breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account and saving account with Chase. Chase customer service informed me that when my account is overdraft, i have until XXXX PT to deposit and cover the overdraft. 
When i opened my account with Chase they suggested i opened a savings accounts and checking account so i do n't have all money in XXXX account and connect them online so i can make the transfers accordingly. The bank will posted payment on my checking account and if i do n't have the money i have until XXXXXXXXPT to make the deposit. The reason that I have a savings account is to transfer money from this account and keep my checking account with a daily balance for security reasons. What they did n't say is that they overdraft your account at midnight saying that the payment went the day before but no payment was posted in your account so you do n't know until they charge you Usd XXXX for each overdraft. this has happened several times during last 12 months and the respond is the system made the payments at midnight. Last week they took usd XXXX on the same day, Usd XXXX for each transaction and in one year Usd XXXX. I spoke with an agent Friday XX/XX/2015 and explained that my account was n't overdraft at all the day before so how can they charge a customer for something that did n't know and did n't happen in my account. No explanation they only said that the system does this automatic. I expect that they refund all my overdraft fees and stop taking advantage of the customers. thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been receiving calls at my place of employment. I am a XXXX. They were calling my cell phone then they stopped and started calling my employers phone number. I 've told them to stop and explained that this was n't my phone and my place of employment. 

They are rude on the phone demanding personal information, and explanations. They are looking at my credit report and telling me I should be able to pay. They do n't listen, they ask why ca n't I pay. when I tell them that that 's none of their business they say yes it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
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 on this loan since XX/XX/XXXX. At the rate they apply my payments, it will take about 40 years to pay it off. No matter how much I send in for payment, they apply XXXX % of the payment toward the interest. The payment is about $ XXXX monthly. My minimum pay- ment is {$500.00}. Some months the entire payment is applied to the interest. 
Even if I send in extra payments separate from the regular payment, the extra payment goes toward interest. Even a {$1000.00} payment only got {$100.00} applied to the principal. They take the extra payments and apply I was told the extra payments were applied to " Capitalized interest '' not toward the principal and the due date was just moved forward. so by paying extra, my next due date is currently in XXXX XXXX even though I make monthly payment. This is government financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have XXXX account - I got the recommendation to apply for Chase Saphire card at there. Please refer to the attachment. Also I got one mail ( postal ) to apply for Chase Saphire card at there. That 's why I applied for it on XXXX XXXX, 2015. Come to know yesterday that it 's been declined. Worst than that-there is a hard inquiry on my credit report regarding this application. The reason given to me " Too many credit card accounts with us ''. Obviously Chase is paying XXXX to display these kind of advertisement and links to tempt the users to apply for that. More over why they are sending the mailers when they know that i will be denied for the card. Chase might say that situation changes over time etc ... but why to tempt the customer and XXXX up the credit report. It seems left hand does n't know what right hand is doing - their marketing team keep on sending mailers and advertisements just because economy is good without in consultation with card approval team.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have had a open auto loan with Westlake financial since XX/XX/2014, and they have yet to report my good payment history to the credit bureau. I have called several times as well as submitted a copy of my social security card and nothing has been updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are working on a short sale and I am not getting any responses from the negotiator. 

On XX/XX/XXXX we were counter to increase the price to match the appraisal. 

On XX/XX/XXXX the buyers agreed and submitted the price increase On XX/XX/XXXX negotiator said she needed an appraisal I responded immediately " why do you need an appraisal when you have on and already countered '' I have not receive a response from the negotiator since and have sent several messages Last week I confirmed with a supervisor they have a valid appraisal good through XX/XX/XXXX and a new appraisal is not needed and yet the file is still at a stand still and my calls are not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX University in XXXX Florida. They called me several times and pursued me to attend classes. I believe they preyed upon a person who did not know what to do. They had me sign all these documents without explaining that it was going to cost me {$24000.00} for a few XXXX classes since I already had an XXXX degree from XXXX XXXX College. I believe this University is a scam and is overcharging students while engaging in predatory practices to get them to enroll. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Ocwen loan servicing LLC has violated ALL rules AFTER a BK discharge of a XXXX % exempt property. They knew of it as they were at the BK and cancelled lifting stay over 5 years ago. The last FILING of a suit against us managed to get a false judgement in the Fed court systems to then get a judgement on eviction and writ of possession. Knowing the rules, we could n't comprehend that on the day the writ happened they would break the law and hire the local constables, and police AFTER REPEATED notices to them and Ocwen of the proof of the BK 's orders and exemption papers and that XXXX of them would drill into my door and surround our private property to remove ALL our possessions and have ME XXXX and not my husband or friends who witnessed it! 

Calling it " XXXX '' and having no charges or warrants to back it. I spent 10 hours in XXXX XXXX without being allowed to speak to a judge or to see the charges all with out ever asking WHO I was! Sense then we 've been living in a motel and seeking Many charges against them. We put a claim on their bond and was given the access codes BACK to our home! 
We RETURNED to an uninhabitable home and asked to have it fixed and because of the destruction of our personal property and of our home itself and Because of our asking, they get someone to lock us out again and put back a for sale sign up AFTER I noticed all the other real estate web sites of the theft of our home not anyone having the right to sell it. I 've been also letting the agency 's know and at this point? It 's a waiting game and we are miserable! Thanks for reading ....

Company response to consumer: Closed with explanation