BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house is in foreclosure. I received an extension for the sale date of my home for XXXX XXXX, 2015. XXXX XXXX, 2015 An '' Affidavit of Legal Publication - NTC OF SALE ON XXXX AT XXXX '' was entered into the court official records. XXXX XXXX, 2015 I received a loan modification approval letter for my Trial Period Plan. The XXXX of XXXX payments was made on time and receipt was confirmed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: COAST PROFESSIONAL INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a letter noting garnishment would begin on my defaulted loan, so I reached out to " Coast Professionals '' and tried to deal with it. For 3 months they kept rejecting mine and my husband 's pay stubs and they never allowed a time extension and began taking money out of my paycheck. They have been abusive via phone and have provided inaccurate information each time I contact them - quite literally the rules of the game change. 

I 'm now stuck having my wages garnished, and my son was paying them {$20.00} a month to get the loan out of default - they updated their " records '' today and decided my husband 's income combined with mine ( XXXX the income previously on record with them as we had been trying to scan his paystubs in but they said they were too dark and offered no other solutions - I mailed them a copy, scanned and emailed, faxed, and texted ) means my son needs to pay {$200.00} a month, XXXX the amount he 's already paying them. They 've provided no material information other than repeatedly mailing a bill to my address on file, even while we 've been working on this rehabilitation program. 

It 's worth noting that we began this process in XXXX 2016 - we did everything they asked of us, scanning, etc. repeatedly, and they told us they would adjust the date for garnishment to begin - XXXX XXXX rolls around and they began garnishing while I was still sending them information - which I had been extremely transparent about. When confronting senior management about this they said " Nothing we can do, get the pay stubs, pay it or the garnishment continues '' Horrific and unprofessional in every way. 

I am shocked and disgusted that my own government would give my federal tax dollars to fund contracts with companies that behave in such a predatory, misleading, and inhumane manner. We are paying them - they should be working WITH us to find a solution, not digging people deeper into a hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After numerous iterations with the bank things were finally resolved as far as the amount of a payment on XXXX/XXXX/16 during a conversation that I had with one XXXX around XXXX. I was told that I would be debited XXXX per month starting XXXX XXXX and that I would be billed XXXX for XX/XX/XXXX and XX/XX/XXXX and that I should not do anything until I receive the new bill. On XX/XX/XXXX ( ~XXXX ) I called again and spoke to one XXXX ( sp? ) who informed me that once the direct debit is set up they will not send a bill - which had been set up in XX/XX/XXXX. I was specifically told that the XXXX/XXXX/16 direct debit would be in the amount of XXXX and that I must send in a payment for XXXX that must be postmarked no later than XXXX/XXXX/16. I remitted the payment as instructed and have proof of payment on or about XXXX/XXXX/16. On XXXX/XXXX/16 I discovered that a unauthorized direct debit in the amount of XXXX had been processed against my checking account. I called the bank ( XXXX, XXXX XXXX requesting that the debit be reversed as it was not an authorized amount and was told that a ticket would be opened and that I would receive a call back within 3-5 days. I explained that this had the potential for overdraft fees to be incurred and requested that the matter be escalated to the executive office : I was told that they would not do so, but would have a supervisor call me. I received a call later that day from XXXX XXXX who also refused to open an executive office compliant, but who gave me an email box that I could complain to. On XXXX/XXXX/16 ( ~XXXX ) I received a call from XXXX telling me that they were processing the refund, but that there was no information as to the form ( I requested that the money be direct deposited to the account that it was taken from - an account within the same bank ) or the timing of said payment. Finally today ( XXXX/XXXX/16 ~XXXX ) I received a call from XXXX informing me that the refund would be issued with a check being cut XX/XX/XXXX or XX/XX/XXXX that we should receive by XX/XX/XXXX or XX/XX/XXXX. I explained that this was unacceptable and that I wanted this matter escalated and was given the name and number of his superior ( XXXX XXXX ) - I called and left a voice message but have not yet heard back. 

It is totally unacceptable that a bank of this size should be unable to correct THEIR mistake and that it should take up to 20 days to return funds that were never authorized to have been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I filed a dispute on a charge on my credit card that the merchant charged me for on a service that was not rendered. Chase failed to make contact with the merchant or get proof that the services were rendered even though I provided proof it was n't. Rep on the phone stated he could not get anyone on the phone with the merchant so they closed the dispute in the merchants favor and refused to look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
WAMU was my servicer WAMU completed a recession due error of foreclosure while modification pending Chase has confirmed WAMU did have a modification pending with a few title issues that must be clear before modification would complete ( Chase has provided title report ) Chase became servicer when WAMU was shut down Chase has no record of noticing bankruptcy attorney of record as new servicer during bankruptcy, or any other filed documents in bankruptcy court Chase bankruptcy file pictures etc. is not my home XXXX XXXX XXXX XXXX - has no record of ever contacting bankruptcy attorney After responses from both parties raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid The Trustee Deed Upon Sale as not being valid Documents are being forwarded to bankruptcy fraud, and other authorities - we as home owners do not want to be taken advantage of by entities we sign power to transfer assignments and or foreclose with trustee and notaries whom are to protect us

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Went to XXXX to open up a checking account, was denied and told I was in XXXX. I requested my XXXX report and it was clear. Went to Chase bank to inquiry about old accounts and was told, they will not allow me to open an account with them due to claims. I asked did they report me to XXXX and was told no. I am not sure why I can not open a bank account with other banks. I currently have a checking account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
JP Morgan Chase continues to re-order transactions in their best interest to charge fees to my checking account. There have been several instances over the last 2 years where this has happened. In XXXX my account was charged nearly {$1800.00} in fees and in XXXX it was charged over {$2000.00}. During that time I received reversals of close to {$500.00}. However, that is not enough " good will '' to satisfy my as a consumer. In several instances, I have submitted payments originating from XXXX XXXX to be deducted from my account to coordinate with my Friday bi-weekly payroll. Chase will deny the transaction for insufficient funds when they are clearly available and charge a fee for a returned draft. Then, a few business days later, XXXX will resubmit, Chase will pay and then charge me for insufficient funds. Now, ive been hit for XXXX fees for the same transaction. 

Other transactions, such as XXXX they claim are recurring charges because XXXX " retains my card information '' and over the weekend charges are presented and then charged fees when deducted on Monday for Non-Sufficient Funds. I elect on Chases website to not allow overdraft from debit cards yet have been charged many times for debit card transactions. This is not explained in my cardholder agreement and I have been misled by this bank. Chase has been sued for charging fees before and without an agreeable resolution I will look to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I am currently a year and a half into rebuilding my credit. I have worked hard to resolve all outstanding issues and to gain and use new credit responsibly. My current scores range from XXXX, FICO, to almost XXXX dependent on the bureau pulled. My credit profile, while new and I work quickly to restore my credit, has multiple trade lines, all in good standing with very low utilization and perfect payment history, totaling almost XXXX in revolving credit. I started with secured and low credit line store cards, and have worked my way up to my first top tier rewards card I recently was approved for, a XXXX rewards world XXXX with a XXXX limit. My goal now is to phase out many of the rebuilding cards, secured, and store cards and move forward with sustainable products which make sense moving forward in my life. Discover it was one of the few cards on my goal list to have as a permanent credit product. I applied and was denied for an unsecured card, yet approved for a card with a co-signer. I am not in a place in my life where I need to or feel comfortable asking someone to co-sign on a credit card. I respectfully asked if Discover had a secure product, one in which I give my money as collateral for an equal line of credit to establish history, get my foot in the door, and help me build towards an unsecured discover product. I was told I did not qualify. How is it possible I can qualify for a top tier XXXX card with a XXXX limit, XXXX k in total unsecured credit, installment credit, a new car loan for XXXX @ 8 % ... ... .yet not qualify for a secured discover card with my money securing the line of credit??? I have respectfully asked for this to be reconsidered as I have already taken the credit inquiry but discover will not budge. I fell 1 ) that this policy and decision makes zero rational sense and 2 ) discover has failed to provide any reason which lends credibility to this decision. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home on XXXX XXXX, 2014 and signed a HUD for a FHA mortgage. I paid an upfront premium and I have paid monthly premiums since my XXXX payment. In XXXX, I discovered that FHA had not insured my loan. I contacted my loan servicer, Dovenmuehle Mortgage, and I was told that I would not receive a refund because HUD was holding my payments. I received a follow-up call from HUD in XXXX and was told that my premium had been refunded back to my servicer, Dovenmuehle. I have contacted Dovenmuehle multiple times regarding the status of my premium refund and information on monthly payment updates and was promised a call back and no one has called. I also called XXXX HUD departments and no one can find a case number or information on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I was called by my bank indicating my credit score dropped drastically. 
Barclays Bank charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.

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 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. 
But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax deleted XXXX Accounts from my report : XXXX ( Unsecured Loan ) I NEVER disputed these items and would like to know why they were removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation