BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.

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 2016-03-05
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank has disabled my ability to make mobile check deposits into my account and there is also a pattern of delays on transfers made into this account which I only use to pay bills, causing fees or late payments. These delays and inabilities to make deposits create a situation that allows chase to impose insufficient funds fees and it seems predatory, as I always attempt to make these transactions leaving reasonable time for them to be processed. For example : I have XXXX dollars worth of bills coming out on XX/XX/XXXX but only XXXX dollars in the account on XX/XX/XXXX. I make a transfer of XXXX dollars on XX/XX/XXXX and Chase say it takes up to 3 business days to process but they will not process the transfer for 5 days and then charge me insufficient funds fees. This has happened more than once but only when my account is low or I have bills coming out of the account and it seems it is in order to allow them to collect fees that should not have been charged. Also the only way to make funds available within one day is mobile check deposit which they have disabled for my account. There is no chase branch within XXXX miles of my home as I have moved so I am unable to make deposits in the branch so it seems as though I am being targeted to incur these fees in order to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hello : I purchased an iPad on my credit card from XXXX. The credit card company advertises card benefit services and purchase protection for 90 days. We no longer wanted the item after 15 days, and contacted the credit card company. After mailing the company back our item, they are requesting information which is on the product ( which they have in their possession ). They said they are unable to give us the information ( even though the item is in their possession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. 
First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. 
On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. 
Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. 
On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: Old information reappears or never goes away

Complaint:
I recently received a credit alert stating a new account has been added to my transunion report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via transunion and the inquiry came back without being fixed. This is only showing on my Transunion report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.

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 2015-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Current Servicer sent us a letter that our loan is in default and threatening legal action. We purchased a home on XXXX/XXXX/2016 mortgaged through XXXX. We were provided payment coupons that said that our first payment was due XXXX/XXXX/2016. I sent a payment XX/XX/XXXX to XXXX XXXX plus additional principal payments. A day after the payment was sent, I received XXXX additional invoices, 1 ) Loan Care and 2 ) XXXX XXXX each claiming that they were the ones I should send my payment to. I called both companies on XX/XX/XXXX and both claimed that I should pay them. I was able to get XXXX XXXX to say that XXXX was who I should pay and that the payment made to Loan Care would be transferred to XXXX. I set up auto pay with XXXX, but noticed they did not take the payment out as scheduled by XXXX/XXXX/2016. I called and was told that they have not received any funds and that I was a month past due. Consequently, they could not auto draft my payment and manually took my payment ( plus additional principal ) over the phone. I was not notified by LoanCare that XXXX purchased the loan ( on XXXX/XXXX/2016 ) until I received a letter mailed XXXX/XXXX/2016. Long story short, I have made all of my payments and am still in default on my loan facing legal action. I am also concerned that I will be paying interest on what was paid while they XXXX with the money I sent.

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 2020-10-06
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mailed letter today saying from Allied International Credit Corp that I owe a debt of {$110.00} to ebay. I logged into XXXX and no such debt is owed. This company is using my former name and my home address and mailed me what I believe is a scam letter trying to collect a check or money order from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank puts holds on all of my purchases, debit and credit. I always go to the same gas station and the debit purchase is ALWAYS on hold for at least 2 days. They have a policy of not charging overdraft fees for under {$5.00} -- yesterday was the day before payday, so I was going to put {$4.00} in the tank like I have to do sometimes but the pump was stuck and ended up giving me {$5.00} - I went to the bank branch nearby ( they are always very nice ) and they looked at the history and said that yes it should take a few days to go through and since I got paid today, there should be no overdraft fee. 
I have noticed that WHEN they can charge a fee for a purchase, they will have that purchase go through that same day instead of pending it for a few days. I was charged a {$35.00} overdraft fee because they did n't hold this purchase like they normally do - I realize it was my fault technically for going over the {$5.00} mark by XXXX cents, but it is these overdraft fees that make it very hard to pay my student loans and other bills and lead to further overdraft fees because I am always playing catch up ... It seems like they are not playing fair by choosing what purchases to " pend '' and what ones to rush through just so they can charge a fee. Because I try my hardest to pay all my student loans and rent, etc on time, I live paycheck to paycheck and often have to rely on that & lt ; {$5.00} rule - but I still have paid Chase over {$200.00} in overdraft fees since XX/XX/XXXX ... It is a HUGE burden on XXXX people, on people struggling with masive amounts of student debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card
Issue: Other

Complaint:
Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.

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 2016-02-16
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.

Company response to consumer: Closed with explanation