BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or around XXXX XXXX, 2015 we ( my wife XXXX and I ) contacted Bank of America ( BoA ) regarding refinancing an investment property, the mortgage of which is currently serviced by XXXX. At that time it was suggested by the BoA representative that I refi the mortgage of my primary residence ( held by BoA ) as the home had likely increased enough in value to render PMI unnecessary. We agreed and immediately began sending the requested documents for both properties while BoA ordered appraisals for both properties. One of the items they requested was a copy of my most recent 401K statement which I provided. Then they asked for a copy of the 'terms of withdrawal, ' which I copied from the XXXX website and faxed to them. They said that was only the 'hardship ' terms of withdrawal and that they needed the entire text of the withdrawal terms. I called XXXX and they said that information was not available online and that they would mail me a plan description with that information. Time was running out for my rate-lock. The 401K booklet arrive and I copied the requested text from the booklet and faxed them that information. Then they said, 'we need all of the terms AND withdrawal. ' I told them that if they needed the entire text of the booklet, not just the part about withdrawals, they should have asked for that. If they wanted all the info about the withdrawal terms, they DID have that. Concerned that I was going to be unable to satisfy the never ending document requests I contacted several other lenders to see if they would use the appraisal for which I had just paid {$600.00}. None would, all stating that they would need to order a new appraisal. In frustration I called the appraiser who had done the appraisal for to see what other lenders they provided appraisals for in the hopes that I could find an institution that would use the BoA ordered appraisals. I was informed that they ONLY did appraisals for BoA!!! In anger I told the loan officer to just forget the loan for the primary residence and to try to complete the rental home loan for which the document requests had been satisfied. So now I am out {$600.00} for an appraisal that no one else will use despite providing all of the document request for which I was asked. I am thinking that my present mortgage is an FHA, as the loan was made via the XXXX program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AXOS FINANCIAL, INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After submitting my last complaint to the CFPB I have received correspondence from Axos Bank and a dispute affidavit form to submit & complete the chargeback against XXXX for merchandise not received and again Axos Bank has responded with the dispute being denied and no error has occurred and the transaction was authorized. This is not the reasoning for dispute. ( see documentation ) this is the second time Axos Bank Has denied the dispute for the incorrect reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Dovenmuehle was paid off on XX/XX/XXXX. When I logged in to confirm my loan was paid in full there was a disclosure that stated to allow 15-20 days for escrow refunds. Since that time has lapsed, I have called on at least five separate occasions and been told every time that a task would be opened and to allow an additional 6-10 business days for the refund. Today ( XX/XX/XXXX ) when I called, I was told that the " wrong task '' had been opened previously and now the correct task was being opened and I should allow another five days for the funds to be processed. I'm not hopeful they will resolve the issue so rather than continuing this fruitless cycle, I'm filing this complaint in hopes it will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was previously with Washington Mutual who used XXXX XXXX XXXX as their Trustee. However, when I was transferred to Chase who filed a Notice of Default on my property recorded XXXX/XXXX/2010, Chase used XXXX as the Trustee without filing a a substitution of Trustee nor providing any notice to me. For XXXX years I have been trying to obtain a loan modification without any real consideration to my circumstances. I work two jobs just to pay my mortgage, and I am still using 39 % of my income to pay my Principal and Interest, taxes and Insurance. Chase comes up with all kind of excuses even attempting to illegally transfer my loan, furthermore, I do not believe that they have the original note, nor does XXXX, my investor. My tax statement still reflect Washington Mutual as the payee? They have been out of business for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
JP Morgan Chase made a hard inquiry on my credit on XXXX XXXX, 2016 without my authorization to do so. Upon notification of the change on my credit I investigated the matter and notified JP Morgan Chase. They sent me a letter dated XXXX XXXX, 2016 stating that they contacted XXXX, XXXX and XXXX and asked them to remove the inquiry from my credit profile. On XXXX XXXX, 2016 the inquiries was still not removed from my profile. I contacted the credit agencies who then informed me that JP Morgan Chase never contacted them and therefore the hard inquiry is still on my credit profile. I contaced JP Morgan Chase again and then proceeded to dispute the hard inquiry with all the credit agencies. I received a letter from JP Morgan Chase dated XXXX XXXX, 2016 which is identical to the first letter they sent which says that they confirm having contacted the credit agencies and asked them to remove the inquiries from my credit profile. This has still not been done and it is likely to affect a life-important transaction I am about to make with my husband. This is definitely not acceptable and this matter must be investigated by a higher authority since I am unable to do anything more than I already have. Both letters referenced above is attached hereto. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
According to the date stamp on photos, as well as data on documents sent to me, which were received by me on XXXX XXXX, 2015, on XXXX XXXX, 2015, XXXX XXXX, a home valuation service, working on behalf of Chase, submitted to Chase falsified documents, stating that my home is vacant. It is my belief that Chase intends to use these documents to speed up the process leading to foreclosure. My home is certainly not vacant, and any XXXX of my neighbors, friends, and relatives are willing to testify to that fact. I respectfully request an independent investigation into Chase and their activities in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$1500.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : PORTFOLIO {$1100.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$650.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX {$130.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX  XXXX  {$120.00} ACCT # XXXX I noticed that you are reporting the referenced account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer at Chase for years in good standing. The joint account owner on my checking account is my mother, who has been with Chase since they acquired Bank One. Due to my employment status and job change, there have been times at the end of the payment cycle where money was deposited but showing " pending. '' Other times money was put in there after XXXX EST, but still before the end of day, and subsequent fees have been charges. There are many examples I can show, where even though my account was overdrawn by {$1.00} on a pending transaction, they charged a fee for items that were " pending '' and changed to " posted. '' Since XXXX 2015 I have paid approximately $ XXXX in overdraft fees. I find this excessive and ask for leniency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2015-11-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Client Number XXXX - Issue refinance to a low rate. Current rate 5.6 % Blocked from refinancing my home. Last year sold and investment property and paid down XXXX worth of debt. My credits score was at XXXX. For the last year I have paid all bills on time. See my credit report. My credit score is at XXXX. NO REASON. XXXX said serious delinquency on bills paid in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I called Chase bank on XXXX/XXXX/17. Letting the know that an Payroll ACH that was pending from XXXX XXXX for the amount of XXXX has been sent incorrectly and it will need to be sent back to XXXX. I also went into the XXXX Chase Bank location and asked a bank supervisor for freeze on the account until some the second account holder could come in and we get a new account due to fraudulent charges. They stated it was complete and now i see more charges coming out of the account when i requested a freeze and they stated it was completed. They also stated nothing would go in or come out the account until the freeze was lifted from inside the branch. It has been continuous issues with chase and they are failing to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a voicemail message from XXXX and XXXX. They stated I ignored a deposition and they were going move forward with proceedings. 

I called them back and they stated that I owe a debt of {$84000.00} that I could settle for {$9000.00} and avoid an issuance of a XXXX. The woman I spoke to said if they issue a XXXX it could result in an IRS lien for over {$200000.00}. I told her to contact my attorney and she screamed profanities. 

Here are the violations they committed:1 ) They claimed I ignored a deposition. I was never sued in the XXXX place. 
2 ) They claimed I owe {$84000.00} on a specific debt, which is not correct. Also, this debt is out of the statue of limitations since XX/XX/2012 
3 ) They claim I could avoid the issuance of a XXXX. They only way XXXX could avoid the issuance of a XXXX is paying the debt in full. 
4 ) Used profanities during the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Synchrony bank doesn't communicate properly when a CD is maturing. They have a complicated way of communication that involves logging in the account and retrieving messages from the INBOX located within the online account. The customer doesn't get any option after 10 days of the grace period, and has to pay penalties if he/she wants her money available for withdrawal.

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 2017-01-09
Company: PLS GROUP, INC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a vehicle title loan in XXXX with PLS on XXXX XXXX in XXXX Wisconsin. The title loan was paid off and the title was handed to me in person. I then went to the XXXX and received a clear title with the paperwork PLS provided. 2 years later I received a threatening phone call from " XXXX XXXX XXXX, XXXX '' stating I owed on a installment loan which I never had, A PLS employee at the store where the a ledge loan was taken out told me the prior employees took out loans in other peoples names and keep the money. The store was closed since this happened and my credit has been destroyed. I have asked for copies of the paperwork and PLS refused. Today ( XXXX/XXXX/XXXX ) I spoke with XXXX at the corporate office ( XXXX ) XXXX, they do admit they had a problem and would look in to it for me. This is a XXXX, I myself am a XXXX in the XXXX. Please give me a hand clearing my name and credit, I should also be provide compensation for the financial damages to me. I look forward to working with you. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-01-18
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I called and requested a 30 day payoff, I was told the steps I needed to take to get the information sent to me. I sent the fist letter on XX/XX/21, after not hearing from them, I reached out to them again and this time was told that I needed to sign the request and resend it. I did that and still no response. I have tried calling and getting no answerer, so I decided to fax then the same letter again to phone number that they provide on their statement XXXX, this number never picks up so the fax is no good either. My home is almost paid off, I just want to pay it off, any help that you can give me would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation