BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: Gitsit Solutions, LLC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I began short sale negotiations on XXXX/XXXX/16 with XXXX XXXX of XXXX, after I lost my job on XXXX XXXX, 2016 with the XXXX. I knew I was n't going to be financially fit to maintain the current XXXX modification plan approved by XXXX. XXXX XXXX and I have been in touch throughout the process. For I 've completed all of the paperwork XXXX required from me ( see RMA ) to complete the short sale process. I was eligible to receive {$10000.00} for relocation assistance under the HAFA modification program the property is my primary residence. Effective XXXX XXXX, 2016, XXXX transferred the loan to KONDAUR Capital Corporation ( see Notice of Servicing Transfer ). I was told by XXXX XXXX that they do not participate in HAFA program ( see text messages ). I have no other place to go and I 'm rebounding from becoming gainfully employed in XXXX 2016. I am appalled that XXXX transferred the loan in the middle of the short sale and the new servicer KONDAUR is not a participating in the Home Affordable Foreclosure Alternatives Program. I 've complied with all the requirements according the short sale paperwork and by the required deadlines. I am seeking relief of {$10000.00} under the HAFA program to assist me with the moving expenses of my XXXX children, my belongings, and finding another residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: FL
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:
I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Frost-Arnett Company
State: TN
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:
My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Debt Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed a validation letter for the debt disputes. The debt collector failed to respond. The original creditors were filed in XXXX XXXX bankruptcy. In addition, the reported balances is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello : I am contacting you with a copy of my email ( phone calls also made ) to my home loan service company XXXX Mortgage Servicing who has recently corrupted my class action law suit modified home loan agreement after taking it over from XXXX who got my loan from XXXX XXXX XXXX. My loan was modified per the settlement and up to date payment wise since XX/XX/XXXX and now suddenly this new company has altered my loan agreement by adding a self serving insurance product ( PMI ) funneling funds from my property tax escrow account set in up my loan payment agreement just for property tax. This unauthorized or advised PMI ( Property Mortgage Insurance ) product they 've added is causing a negative balance and disrupting the allocation of my online loan payments to this company and loan. I read that the practice is called loan padding and is rampant as of late even after the XX/XX/XXXX passing of the homeowners protection act. Can you please advise or assist me in seeking the right course of action as I am being run around by the company and building a negative balance even with making still my regular agreed payments. 

SincerelyXXXX XXXX XXXX XXXX XXXX, Florida XXXX : I called in and spoke to your customer service representative XXXX XXXX a week ago as well emailed you regarding the PMI mortgage insurance just added to my loan payment which your representative confirmed was an error since it was never part of my loan agreement and was never authorized. I advised I needed this corrected as its obstructing my mortgage agreement and payments and being taken out of my property tax escrow account. I had to make my regular monthly payment for XXXX made on XXXX XXXX online using the principal and escrow tabs as the scheduled total payment tab was still reflecting the erroneous amount. Now!! It looks like the monies where incorrectly disbursed, your still showing payment due for XXXX and I see monies from my property tax being scheduled for a premium payment disbursement to the unauthorized PMI insurance!! I am making screen shots should this not be resolved and I having to contact the district attorney 's office and legal representation along with the copies of my loan agreement which has NEVER had the PMI as part of it. I need your error corrected and my XXXX payment applied as per my agreement correctly. 

Loan:XXXXXXXX XXXX XXXX XXXX XXXX , Florida XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX/XXXX/XXXX my cell was spammed as I rec 'd nonstop texts/emails. XXXX I began to receive nonstop robocalls as well as texts, emails & voicemails. XXXX advised me to use my phone in airplane mode and wifi. I could not use my phone via cell tower until XXXX when, for some reason, the spamming stopped. XXXX a thief using a fake unauthorized debit card in XXXX withdrew {$3000.00} from XXXX of my bank accts from a Chase branch ATM ( no cameras ). thief answered my " highly secure '' questions and was recognized by the Chase electronic voice to be me. I did not receive a text/email alert b/c my phone was inoperative. the XXXX withdrawal transactions were approved. thief then requested Chase transfer by phone ( XXXX ) {$2500.00} from XXXX different accounts & thief withdrew the rest of my money down to the last XXXX in a XXXX check cashing store ATM in XXXX NY. the XXXX transactions took 27 minutes. on XXXX my phone was working. I checked my accounts and immediately alerted Chase and the police to the fraudulent activity and theft of cash from my accounts. XXXX Chase rejected my claim of the {$5500.00} loss and I am appealing. combo phone spamming/debit card theft is something " Chase had never heard of ''. they are accusing me of sharing my information with someone, including my debit card, PIN and all of my secure information. I did not share any of this information. I have my authorized debit card in my possession at all times and I certainly did NOT give out my credit reports to anyone. the " highly secure '' questions are asked randomly by the bank and taken right off a person 's credit report. there have been no credit card purchases or accounts opened in my name - this crime was specifically for the theft of cash money. as of this date, XXXX XXXX, XXXX, Chase is not cooperating to reverse their conclusion that I am a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I opened an account with SoFi recently, and had money moved into the account both checking and savings. When I tried to move money to another external account on XX/XX/2022, and on XX/XX/2022, they froze my account and told me to call the fraud department. I finally got them on the phone and they asked me very personal questions, were rude, and said they would write a report. They would not tell me when my account would be unfrozen, despite me expressing how concerned I was as I may need that money soon! I have called many times and left 2 messages over the past two days. No one is picking up or returning my call. I am extremely upset and have never had this happen at another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to formally complain about the fee associated with setting up an auto draft for bi-weekly payments. 

To set up bi-weekly payments on the mortgage, the mortgage servicer ( Mr. Cooper ) charges a {$2.00} fee each time a payment is made. This fee is charged each time a bi-weekly payment is made, so monthly, the amount comes to {$5.00}. On months where three ( 3 ) payments are made, the fee being charged is {$7.00} fee. This charging of a fee to make bi-weekly payments seems like a UDAAP Violation, as I am ultimately being charged a fee to " pre-pay '' my loan with bi-weekly payments. Furthermore, this fee would fall into the CFPBs recently expanded definition of a junk fee. When past servicers serviced this loan and past servicers include XXXX, who is NOT a bankthere was not a fee for this service. 

My loan terms currently state that there are no pre-payment fees, and by charging a fee to pre-pay my loan through bi-weekly payments, this practice seems deceptive and arguably abusive to the customer. Over the life of a 30-year loan, these fees calculate to {$1900.00} which is more than a single monthly payment. While I understand there could be a fee if you called in to make the payment on the phone versus self-service online, the bi-weekly payment is an auto draft agreement. 

An additional consideration is that Mr. Cooper services over XXXX XXXX consumers. If we took a conservative estimate of 45 % of customers using a bi-weekly payment structure, then Mr. Cooper is easily charging XXXX XXXX of those customers the fee. Based on an annual fee of {$65.00} per customer, Mr. Cooper is netting over {$100.00} XXXX a year on this junk fee alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and XXXX , XXXX has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: LEXISNEXIS
State: FL
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:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was rear end last XX/XX/2021. There was a police report and its not my fault. 
I hired the XXXX XXXX to help me because the XXXX insurance at the beginning is ignoring my phone calls. I reported the accident to the GMfinanciaL WHO FINANCE THE XXXX XXXX XXXX also to the XXXX. At first the car is at my driveway waiting for the XXXX to evaluate it. They said they have to tow it to the repair shop. I have no choice except for them to take it and be evaluated. They said it is a totaled car, the representative of the XXXX XXXX I thought is helping me for me to be protected. 
They are the one supposed to be talking to the insurance ( XXXX ) company. It took 9 months before I learned that the GMfinancial reported me that my car was reprocessed. I told the GMfinancial that the XXXX XXXX paid them {$5000.00} at first and they still took the car and told me they are going to sell it parts by parts. I told them that car got XXXX insurance and they should pay the difference. XXXX XXXX is the contact representative of the XXXX XXXX and this is the very issue why I hired them for contingency arrangement. I contacted the GMfinancial addressing why put me in reprocessed status when the insurance company should be the one taking care of it plus the law office. Im the victim and still a victim. It disturbed my routine and I can not even qualify for a loan nor refinance because of this reprocession report that the GMfinancial did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank refused to add my spouse to my checking account with proper identification because the ID presented on two visits did not meet their standard of " legal and proper. '' All IDs presented are legally permitted ; temporary DL issued by Florida, XXXX XXXX credit card, valid XXXX Passport, Temporary work authorization issued by US Immigration, Social Security Card. None were accepted. On a second occasion, when planning a trip to XXXX with my spouse, the bank refused to put a travel notification on my debit card because they consider XXXX at risk for financial crimes. I have come to the conclusion that they are discriminating against us based on his country of birth and origin. All complaints to the company have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX I have a chase account XXXX I made a deposit and one of the names didnt sign on it. Now they are hiding my money for 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
American Express is not willing to grant any credit application based on what it believes was a violation of its policies from XX/XX/XXXX. When they lowered my credit line back in XXXX, they did not state or communicate that all credit applications would be denied. They steered me into believing that the actions were temporary and not permanent. Now they have taken the limit on a subsequent XXXX American express account that was paid off, the account balance was negative and had a credit on the account and they lowered the credit line to {$1000.00} in a response to my complaint with the CFPB. I'm being bullied, harassed, and unfairly processed as a credit applicant. 

American Express, please advise the following : XXXX. Based on the FCRA, what facts and findings do you have to permanently ban me from any credit application and now allow for any types of credit to be processed. 
XXXX. Please advise why this was not communicated in XXXX, as if I would of known I would not have had the credit damage of the application denials. 
XXXX. Please advise why a credit account with a paid-off balance was reduced out of the blue for no reason. 
XXXX. If this was an annual review, why was it not processed during the same account review back in XX/XX/XXXX as the XXXX card was reviewed. 
XXXX. Why after a perfect payment history since XXXX, are all of these actions happening? 
XXXX. Why was the letter that I mailed on XX/XX/XXXX not responded to? 


Referencing CFPB complaint : XXXX

Company response to consumer: Closed with explanation