BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..

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 2017-01-20
Company: Navient Solutions, LLC.
State: NY
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:
My student loan which was with XXXX was originally consolidated to lock in at 3.1 % rate, now that navient took the loan over, they are stating that my loans are in fact not consolidated even though I have a letter from XXXX stating this. They also recommend that I can now consolidated my loans with navient in order to let wee my payments but higher rate than what I had locked in originally. Case manager ca n't seem to explain to me how my loan became unconsolidated during the navient take over. How can my loans became unconsolidated?? I feel it 's unfair that I have to consolidate my loans again at higher interest rate to avail lower loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
When applying for a continuation of a Home Equity Loan with my bank I was told that there was a lien from 1992 that held the first position of encumbrance. This deed of trust has been released but seems to not been recorded properly and is thus showing up even after years of having refinancing and a previous loan from my bank 10 years ago. I even visited the courthouse and Md Land Records and could not get help on what to do to repair this.

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 2021-05-11
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I HAVE AN ACCOUNT WITH YAMAHA FINANCIAL SERVICES/YAMAHA MOTOR FINANCE. I HAVE PAID WAY ABOVE THE MIN REQUIRED PAYMENT SINCE I TOOK THE LOAN OUT FOR MY NEW 2020 YAMAHA BOAT. WHEN I CALLED THEM THEY ADVISED ME THAT MY INTEREST PAYMENT IS IN ARREARS. THIS CAN NOT BE POSSIBLE. I HAVE REQUESTED AN AMORTIZATION SCHEDULE FOR MY LOAN AND A STATEMENT OF ALL PAYMENTS MADE WITH A BREAKDOWN OF HOW EACH PAYMENT WAS APPLIED AND THEY REFUESED MY REQUEST. I AM NOT SURE WHAT ACCOUNTING SYSTEM THEY ARE USING BUT SOMETHING IS WRONG HERE. THERE IS NO WAY I AM BEHIND ON INTEREST PAYMENTS FOR THIS ACCOUNT. THIS IS MY SECOND REQUEST TO INVESTIGATE HOW YAMAHA IS HANDLING MY ACCOUNT. SOMETHING IS NOT CORRECT HERE. THIS LOAN IS A 15 YEAR LOAN, NOT A CREDIT CARD. EACH PAYMENT SHOULD CONTAIN PRINCIPLE AND INTEREST PAYMENTS. I HAVE MADE PAYMENTS OVER THE AMOUNT REQUIRED TO PAY TO KEEP THIS ACCOUNT CURRENT. THERE IS NO WAY I AM IN ARREARS IN INTEREST. CAN SOMEONE PLEASE INVISTATE THIS COMPANY. I NEED AN AMORITIZATION SCHEDULE AND A COPY OF MY COMPLETE PAYMENT HISTORY. PAYMENT HISTORY ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a 30yr fixed rate loan with chase home fiance for the longest time i was paying XXXX dollars. then for some reason it became XXXX now i have recevieved my escrow and they have informed me my new payment is XXXX i sighed a 30 year fixed rate why is this happening i can not afford this i am a recent XXXX and on XXXX can someone please help me with this i dont want to lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was unhappy with Chase Bank that someone did not come and pick up me bringing to Chase Bank at XXXX XXXX XXXX last few days ago. I told you for many times that I can not alone filled out applicants on Chase Bank because of they will declined my checking/debit/credit.. I did not get bonus money {$750.00} for Chase Bank that I had many horrible disappointed that I did not get {$750.00}. I can not using telephone & videophone call Chase Bank. I ca n't accept making a call Chase Bank and i do not want fill out online applicant, so I want a live person meets with me into applying Chase Bank online while escort care team work what I want meeting with male in highest position as what I wanted in XXXX, XXXX as Chase Bank did not bring me to XXXX, XXXX or other location, that I need getting out of town immediate action as I need someone gets acquaint with me in horrible complaints since 1990 to presents. Tell Chase Bank that I was not happy with XXXX XXXX XXXX issues. Please show sad icons on check from XXXX XXXX XXXX released notification to Speaker XXXX XXXX when Chase Bank male official with Chase Bank takes my XXXX XXXX XXXX check with sad icons to XXXX at formal charging requests forward to XXXX XXXX XXXX and others. show Psychologist doctor takes look at what wrong with meet on my sad icons on rent check. I do not allow calling out to Chase Bank or any bank PLEASE BRING ME TO XXXX XXXX XXXX AT FORMAL REQUESTS : I do not like XXXX XXXX XXXX & U.S. Department of Housing Urban Development.involved with Chase Bank, XXXX, XXXX XXXX XXXX, and other bank must be notified to XXXX XXXX XXXX as in addition, tell XXXX XXXX that I do not like U.S. Department of Housing Urban Development. I was unhappy with unfit resident of XXXX continually in increased complaint notification to Speaker XXXX XXXX at formal requests both all of above comments must forward to male official with Chase Bank that he can takes care of my complaint issues to XXXX at formal charging requests. Bring me to XXXX or other location under Chase Bank requirement! 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I detected a fraudulent charge on my card and reported it immediately ( w/in a day of the charge ). Chase ( the issuer ) reissued my card then proceeded to bill us for the charge. Only a second call and a lot of run around got the charge reversed. They acknowledged that they knew the charge was fraudulent, claimed to have made a mistake, and just claimed ( again ) to have corrected it. Creating confusing and complicated barriers to a fraud claim seems a clear attempt to profit from criminal activities and ( needless to say ) violates the terms of our credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Westlake Services, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A month ago I was looking to go back to work. I was emailed by a " foreign company '' asking me to fill out an employment application online because they wanted to hire me for a purchasing position. I filled out the application and the next day they said they wanted to hire me and have me start right away, however, they needed time to issue me a company credit card and so wanted me to use my credit cards to begin purchasing products and sending them to their customers. They would give me account information which would allow me to transfer money onto my credit cards and after the money had posted they wanted me to purchase items and send them to clients. After about XXXX weeks I started noticing that the wire transfers that I had made were being sent back to the banks and the reason given was, " no authorization '' for transfers. I did n't even know the credit cards companies could send the money back without talking to me first so I immediately went to both credit cards and asked them to shut down the accounts and not send any of the transfers back because these people had the merchandise that I purchased for them. Over and over all the credit card companies would tell me is that they had never heard of anything like this and after XXXX hours on the phone, and multiple insults with XXXX credit card company they did finally copitulate and shut down the account so that no further funds could be sent back, however, the other credit card company would not do anything to help me no matter who I spoke with. I did file a report with my local law enforcement agency and the FBI but that did n't matter to the credit card company. I now have to payback a healthy amount to that credit card company and I am not getting any direction from local law enforcement or the FBI so I do n't know how long I can keep the other credit card company from unlocking my account and sending the funds back to the scammers. The other credit card company who sent all the funds back wo n't see this as a scam ( because they have never heard of a situation like this ) and on top of the many insults I have had to endure from them, I will have no choice but to pay the money back and will not be able to utilize my credit card while I am doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX billed us $ XXXX/month for unauthorized Internet access. [ We thought our son on the West Coast had ordered service. ] When we requested by phone and email an explanation from XXXX, they apologized, soothed, evaded, and finally stonewalled us. 
We then learned from Senate subcommittee testimony that XXXX had bought information from other companies, then submitted unauthorized charged to credit card companies, in this case Chase Credit Card Services 's Visa. 
We also learned from the same hearings that Chase routinely violated its own internal policies by posting unauthorized charges from third parties. And that XXXX topped their list of third companies with the most disputed charges. 
When president of Chase Visa in XXXX, DE was contacted by mail, he through a subordinate dismissed every complaint. 
Chase not only continued to bill the disputed charges, but reneged on a refund of our recently renewed membership fee, and despite 15 years of on time payments never cleared our resulting " delinquency '' with credit reporting agencies. 
As our claim was XXXX ; {$1000.00} and the Visa balance, " late fees, and penalties '' totaled XXXX ; {$300.00}, Chase knew no lawyer would take our case. Multiplied thousands of times, such actions generated millions of dollars for XXXX and Chase. They also boosted stock prices and executive bonuses. 
In effect both XXXX and Chase Visa simply stole money, because they knew they could. Electronic muggings by the Too Big to Fail. Or prosecute. 
Moral of the story : Scrutinize every charge from every account every month, then question unrecognized ones immediately. And vote out politicians who let XXXX XXXX write the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 

To date the bank has reimbursement approximately {$9500.00}. 

The bank refuses to reimburse the balance of the money taken, which is {$2500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.

Company response to consumer: Closed with explanation