BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is related to a previous complaint which was prematurely closed by Chase Mortgage ( CFPB # XXXX. ) Since the filing of the above referenced complaint, communication from Chase has completely stopped. After filing the previous complaint I was advised by XXXX XXXX in the Chase Executive office to submit a settlement offer to them and that is all they would need. XXXX XXXX sent me a XXXX envelope on or around XXXX/XXXX/15 and the settlement letter requested was returned to XXXX via XXXX two business days later and would have been received before XXXX/XXXX/15. XXXX XXXX contacted me to advise they had receive my settlement offer and that they now needed additional paperwork. I was told what additional information was needed. This additional information was sent to Chase via XXXX ( at my own expense after they said it would not be at my expense ) and was received by XXXX XXXX in the XXXX, Co. mailroom on XXXX/XXXX/15. Since receipt for this information by Chase there has been no one assigned to handle my case and no communication from Chase. I have attempted on several occasions to contact XXXX XXXX. I have never been able to get her to answer her phone and have left numerous voicemails, none of which have been returned. 
Chase sent a letter to the CFPB indicating that I had not submitted the requested information to them by their self imposed XXXX/XXXX/15 deadline and my case was therefore closed. First of all, Chase has blatantly misrepresented the facts of this case/complaint. They have all the information they have requested but no one from Chase has made any attempt to contact me. I initially contacted Chase in a good faith effort to attempt to settle this loan I am unable to pay before it goes into foreclosure. This issue has been ongoing now for approximately XXXX months and I would like for Chase to address this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to Indigo on several occasions regarding this fraudulent inquiry. And every representative that I'd spoke to made it very clear that this a serious matter and that it would be taken care of. And it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filed prior complaint with CFPB case number XXXX regarding credit reporting during a unemployment forbearance received for months of XXXX, XXXX and XXXX of XXXX Credit reporting still has not been corrected as stated in their response to the complaint on XXXX/XXXX/XXXX. JP Morgan Chase stated my mortgage was reported current/paid as agreed during months of XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX credit bureaus have my mortgage reported as 30 days late for XXXX and 60 days for XXXX XXXX. Request credit reported be amended as stated in JP Morgan Chase 's response on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
THIS COMPLAINT IS ABOUT VERIFYING THE PAYEE OF CHECK CHASE BANK PAID OUT. Chase Bank is being very evasive. We have already discussed the issue of whose name was written on the front of the check. THAT IS ALREADY A MOOT POINT. Chase keeps AVOIDING THE MAIN ISSUE WHICH IS WHO CASHED THE CHECK. After several months, and complaints, they now say it was cashed at XXXX and not at Chase Bank. There are XXXX XXXX, and XXXX accounts. How does Chase Bank which has a fiduciary duty to its customers, expect them to resolve these types of fraudulent issues, if they do n't verify payees. If the person took the check to XXXX, where is the XXXX account number on the check. How does Chase know it was XXXX? What is the address of the bank? How was the person verified? Stop blaming the customer for your failure to VERIFY THE PAYEE. Please provide FULL INFORMATION about who cashed the check. How does Chase know that the person whose name on the front is the signer on the back. Chase has NO VERIFICATION of who cashed the check! If people can take Chase checks to any bank without being verified, they Chase is contributing to negligence and fraud. Chase is taking the position that they do not care who cashed their customers ' check by not verifying payee. In other words, it does n't matter who the check is payable to, Chase Bank does not have a way of VERIFYING who cashed the check. If someone walked into Chase Bank with a XXXX check, does Chase check ID or verify the person or do they let anyone cash a check? Chase needs to provide PROOF of person who cashed the check, and credit my funds for {$2800.00} if you ca n't do so. It is evident that they have not even contacted XXXX, to inform them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have a mortgage with Benefical Finance XXXX We have been attempting to apply for a HARP mortgage because our interest rate with Benefical is 8.8 %. In completing the application for the HARP loan- XXXX discovered that Benefical has never recorded our mortgage payments with the Credit Bureau . In order to have the best credit rating possible, we were asked to have Benefical report our mortgage payments to the credit bureau. They refused, stating that is not their practice and that they would not do so. We need to have our mortgage reported in order to qualify for the HARP loan. I s there any way we can get Benefical to report our mortgage payments. Our mortgage payment is substantial and it would benefit us greatly to have it reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is a complaint against Chase Mortgage. 
Reason for the complaint : Chase entered into a contract ( backed up with a commitment letter ) with me and reneged on these terms and offered a completely different package two days after missing the closing date. This ultimatum provided me no options but to accept the revised terms. 

During the 45 day period, I met all financing contingencies in my purchase agreement with the Seller, as these were cleared by Chase along the way. Additionally, I had provided everything Chase had requested and I also received a Commitment letter from Chase to provide the loan. I cleared all contingencies in the Commitment letter. Chase decided just days prior to close that I did not meet the income criteria, ( information that it had all along, a fundamental driver of any loan approval ), and instead provided me a total new loan terms. This was done after providing the commitment letter with the original loan terms. Considering this was done after having missed the original closing date, I had no choice but to accept the new terms. Chase is ethically, morally, and legally bound by its original commitment and I am hoping CFPB will assist me in holding Chase accountable. 

Further details of this complete transaction along with a time line is provided in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Solutions To Portfolios, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank NA Mortgage has illegally reported XXXX late charges on our credit bureaus severely affecting us from getting any home loans or refinancing. 

No notice was given to us, no grace period was given to us, we were not notified by certified mail, but they went ahead causing severe financial and emotional damage to us. 

Even after explaining they are not willing to understand or resolve this matter.

Company response to consumer: Closed
Consumer complaint received 2016-11-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: J R Brothers Financial, Inc.(Closed)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.

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 2016-09-30
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for and received a Trial Period Plan toward a modification from Caliber Home Loans. 
The first payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement. 
The second payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement, and then removed the same day. 
In a letter dated XX/XX/2016, our check was returned. 
We sent a replacement check with a letter on XX/XX/2016 outlining the fact that this check was intended as the second payment on the Trial Period, and requesting this payment be posted XX/XX/2016, the original date it was received. 
Caliber again returned our payment, along with the same form letter. 
Our XX/XX/XXXX payment was received today, XX/XX/XXXX, and we are concerned that Caliber may deny our modification on the basis of late or missing payments. 
All payments were sent by Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a Chase customer since they bought WAMU, so 8 years now. They just closed my account with no notice and no notification. I have money in it. I do n't understand what is happening. I want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: POPULAR BANK
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
This is my second complaint regarding E-Loan ( previous case # XXXX ). That issue was resolved by my giving up requestion the cd I opened and funded be made a trust account. Presently since the account has been funded I have received the incorrect amount of interest ( below the percentage I signed up for and have poof of ). After getting no satisfaction by dealing with e-loan I called XXXX XXXX XXXX XXXX a branch manager of XXXX Popular. She intervened and called Eloan in XXXX after which I received a secure message from eloan that the correct amount of interest would be transferred to my linked ( outside ) bank account with 24 to 48 hours. That was on XXXX XXXX. The interest has not been transferred and in fact when I log on to their website I get a message that I do n't have any accounts there. I have spent numerous hours on the phone and sending emails to this bank. At this point I want to close this account, have my entire opening deposit of {$250000.00}. transferred back to my linked account with no penalty as well as the interest I am entitled to.

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 monetary relief
Consumer complaint received 2015-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a " FULL SATISFACTION & RELEASE OF JUDGEMENT '' from the circuit court of the county I lived in, at the time for an account I settled with them for an HSBC credit card. A month later, XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating I had a balance to settle with HSBC and they threatened taking me to court and garnishing my wages. I panicked and settled the account with their office. I had XXXX different credit cards from HSBC and figured it was for the other XXXX. 
A few months after that, and just a couple months ago another agency contacted me trying to collect on this same account. I had the release of liability from XXXX XXXX XXXX that I was able to fax to them so that they would cease and disist on further collecting on this account. 
Now, an office is trying to collect on an account with HSBC that I never had and does n't even appear in my credit report. 
That lead me to dig up all my papers and look into whats going on. 
This is how I just noticed that the account I settled with the circuit court and the account with XXXX XXXX XXXX was for the same account! I called the law office from the first time it was collected through the circuit court, and the lawyer told me that I should contact XXXX XXXX XXXX and demand my money back and that if they would n't comply I would need to get a lawyer. 
How is it that anybody can get this information and con people into paying it again? Like I said- few months ago another agency tried collecting on this account yet again from another supposed collection agency. This has been taken care of twice, to my dismay, and twice more someone has tried to collect on it again. 

I had a lot going on at the time, when I paid the account off for the second time, so it did n't even click in my head to check if it was the same account or the other XXXX I had with HSBC. And with the threats, it made me panic and just want to get it over with. I 'm hoping to recover what I paid the second time around, because it had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It is with great regret and frustration that I write to you requesting help.I must begin to tell you that I am a victim of serious health problems and predatory lending, I shall attempt to describe the circumstances which occur and were beyond my control. I was enticed into a loan by a company called XXXX. I signed a negative amortization loan. A couple years later I owed more than the house was worth. It was also and is today a 9.99 % loan. 
I was unable to sustained my monthly payment. I became extremely ill in XXXX with a XXXX condition. I had XXXX. This a XXXX. I was no longer able to XXXX at my XXXX office a full XXXX hours. 
Due to my XXXX condition, I was required to XXXX. In XXXX XXXX I had XXXX. I had physical limitations due to XXXX. 
My work load was reduced I began to default on my mortgage. I attempted to resolve my delinquency to no success I am recuperating and working now and I am asking for another chance. I am regaining stability. I want to keep my home. The bank does not want to hear or see that these were circumstances beyond my control. I am asking for another chance. 
Please review and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!

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 2016-08-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Hi! I am a XXXX in Oregon representing the seller. Chase Bank denied a loan to whom appears to be a well qualified buyer, who is an American citizen, but works overseas ( this was the reason the lender 's loan originator gave to me. ) The parties have been in contract for over 3 weeks and Chase just denied the loan. This buyer paid for and received a copy of the appraisal, which came in without issues. However, since Chase denied the loan, the buyer and his realtor had to scramble to find a local lender. They did and asked Chase to transfer the appraisal which the buyer paid for up front. Chase will not assign the appraisal to the new lender. So, the buyer has to pay for a new appraisal and my seller has to agree to extend the contract another 4 weeks to make time for the new appraisal, processing and CD notification requirements and underwriting. This seems like discrimination and expensive and almost illegal. This buyer has the resources to pay for another appraisal. Many buyers do not. Please explain to me how Chase can get away with these policies. Can we get that appraisal assigned to the new lender? 
XXXX XXXX, Principal Broker, XXXX Out XXXX XXXX XXXX XXXXXXXXXXXX CHASE FILE # Reference Number : XXXX Borrower ( s ) : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Again, this does n't add up. I asked the new lender if there were any red flags on the buyer, and he said absolutely not. I just feel like the laws were changed to protect the consumer, but it seems like we have more, and more issues like this cropping up. I just want to understand. Thanks for anything you can do to help. XXXX XXXX

Company response to consumer: Closed with explanation