BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX, 2015 I faxed Chase and sent certified mail a " Qualified Written Request ''. On XXXX XXXX, 2015 I received a package from Chase that contained and account history that had XXXX items listed " NO XXXX '' even though I was being charged various amounts and Truth and Lending Statement that did not have my signature nor my husband signature on it. I called Chase on XXXX XXXX, 2015 and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to find out, what am I paying for under the items on my detailed account history listed as " NO XXXX '', why the Truth and Lending did not have our signatures on it and why Chase opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 which none of the above Representives could answer. During this time Chase kept reporting to XXXX which is against the law under Fair Debt Collection Practices Act and RESPA. I then sent them another " qualified written request '' on XXXX XXXX, 2015 certified mail. In XXXX I did receive several letters from Chase requesting more time and then on XXXX XXXX, 2015 I sent Chase a Letter of Denial for Extension under RESPA. On XXXX XXXX, 2015 I received a copy of my " qualified written response '' ( with no response just the copy of my letter ) and a copy of the written notes on my account. I can prove that Chase has fabricated half of the notes as I have all the actual recordings to these dates. Unfortunately your programs will not allow me to attach voice recordings but I will mail in the disc. Chase has written me that information on the origination of the loan, accounting and servicing fees, debits and credits, Mortgage and assignments, Attorneys fees, suspense and unapplied accounts, property inspection fees and servicing related questions are propriety or unavailable, and will not be provided. How can I pay Chase when they can not provide proof that they own my loan. Chase has also opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 and they can not tell me why. What they are doing is criminal under the fair debt collection practices act and RESPA. I know that the CFPB do not represent the consumer but they must be stopped. How many other people are they doing this too. Please make them accountable for the same laws that we have to follow and there punishment should be the same as ours the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Rewards

Complaint:
My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2016, it came to my attention via my credit monitoring with all XXXX credit reporting bureaus ; XXXX, XXXX and XXXX that ( XXXX ) credit cards had been opened and utilized in my name with American Express. I notified American Express both via the phone and by filing a complaint with the CFPB regarding these accounts. On XXXX XXXX, 2016 I received a response from American Express REF # : ( XXXX ) concerning my case. In the letter American Express acknowledged that XXXX of the XXXX accounts was in fact deemed fraudulently opened where as the other XXXX were still under investigation. It also stated that it could take up to 60 days for their investigation to be completed. 

This past Thursday. XXXX XXXX, I was notified a total of ( 3 ) times by their now collection company representing one of the accounts that I originally disputed ending in :XXXX, the Amex Everyday card by their third party collection company ( XXXX ). They confirmed that the account they represented was the Amex everyday card ending in the aforementioned account number, that was all they would verify, and that they amount that was owed was {$2900.00}. I explained to multiple people during one of those phone calls that the debt was not mine and that I had already filed a complaint with the CFPB concerning this. Needless to say, they did n't care and proceeded to warn me of my consequences if I were to not rectify this debt by paying them. 

I am now filing another complaint to the attention of Amex concerning the remaining ( XXXX ) accounts that I have yet to receive a response on. Nevertheless, apparently AmEx has taken the liberty to assign and subsequently sell this debt to their collection company. First and foremost, I have never in my entire life had any accounts with this bank nor any of their co-branded affiliates. Again, I am disputing this account along with any other accounts that my be considered still open, sold or presently under investigation accordingly. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a request for validation that MCM signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I have an American Express Prepaid Redcard. It is loaded at XXXX. I went to a XXXX on XXXX XXXX, 2015 at XXXX. 
I loaded {$490.00} to my Redcard using my debit card. The receipt printed. On the receipt in showed an incorrect balance for the Redcard. This indicated that the load failed on American Express end. The receipt also shows that the money came off of my debit card. I initiated a dispute with American Express at ( XXXX ) XXXX immediately. I kept in touch with American Express for XXXX weeks. Still no money. On XXXX XXXX I spoke to someone at American express again. They got someone on line from American Express in Utah. This person was XXXX XXXX. XXXX said send him a copy of my receipt and I would have my money in XXXX days. It has been XXXX days since then and XXXX days since I first contacted AMex. XXXX XXXX ' XXXX email is XXXXXXXXXXXX. I have sent numerous messages to him with no response. So this evening I called the number again. I was told they were not doing anything. That they determined no money was due. 
So they take the money off my debit card, do n't load my prepaid card and keep the money. This is unacceptable. 

I have attached a copy of my receipt. This clearly shows the money was taken from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
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:
MIDLAND FUNDING via my account being sold to them by XXXX XXXX has been illegally charging me fees in excess of over {$2000.00} for a computer purchased in XXXX/XXXX/2006. The original amount owed : {$1200.00}, and the amount I have paid into the debt due to their illegal practices : {$2900.00}. The amount they have sent to the debt collection agency-MidlandFunding {$3500.00}. I have included copies of the paperwork that shows the double billing XXXX added to my account each month that I paid my bill. They added late fees every month, no matter what date I paid within the month, and added huge amounts of additional finance charges ( not all the same amounts ), and sometimes XXXX in one month so that they could keep illegally charging additional fees to my account. This debt was paid and I want to file against XXXX and Midland Funding for their deceitful practices of double charging customers every month for over eight years. As you will determine from the paperwork proof I have provided, that this debt is invalid and XXXX should be fined for these practices. Midland Funding and XXXX claim they have been sending me bills to an address I have not occupied since 2006. I signed off on no new finance charges etc as they claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was charged by my bank HSBC a monthly amount of {$20.00} from XXXX 2015 to XXXX 2015 without knowledge or authorization. When contacted the bank they refunded me {$40.00} out of a total of {$140.00}. No explanation were given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Owned XXXX on damage debt and settled payment on XX/XX/2016. They sent collector Transworld System , Inc. Collection Agency that it was not collected w/ letter dated XX/XX/XXXX. I have copy of credit card payment of the debt was collected by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
Concerning American Express Serve prepaid card. An ATM transaction I was charged for but did not receive the funds. Theft of funds by charging me more then what was approved I have disputed the ATM transaction and Serve sent this document claiming to be from the merchant. The document and statement are fraudulent. I went to XXXX XXXX and got a copy of the transaction and as you can see it was declined by the institution. I also contacted the ATM provider, XXXX, they too show it was declined. 

Attached is the statement showing amounts taken from my account along with receipts for what was authorized. I was only able to have these XXXX transactions corrected by including them with the disputed ATM transaction. You can only dispute it if they send you a form. Complaining to customer service goes unnoticed and they are used by management as a shield for their unscrupulous practicies. As a result I 've been taken for thousands over the years. 

Serve blames the merchants. This is not on the part of merchants, this is being done in the '' back room '' of Serve. When the correction of the XXXX transactions was made, the statement reflected not what was taken out XXXX XXXX & XXXX but what the original payment order was XXXX & XXXX. The difference of XXXX was put back into the balance. When I confronted Serve with where the money went and where it came from I was put on indefinite hold, shuffled around to numerous departments and fed all kinds of XXXX. until it was admitted Serve was the culprit. They call it " padding ''. Padding their pockets is theft. 

I wish the CFPB to force Serve to cease its unscrupulous practicies and turn over detailed transaction records relating to all current and past accounts held in my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
When I have scheduled phone appointments with Ocwen Loan servicer, the relationship manager or representative do not have access to all of my records. When I refer to an affadavit or appraisal that I submitted, the person asks me to resend it. I have uploaded to this website and the Ombudsman Office. I believe Ocwen 's Office of Ombudsman Office and the relationship managers are hostile in negotiations with me. A foreclosure was dismissed over a year ago, and I believe Ocwen has a target on my back. Ocwen refuses to fix any mistakes they made like failing to finish processing my loan with an affadavit submitted to dispel any accusations of irregularities with signatures. Recent HAMP offers only address payments and not the underwater principal loan balance. I made it clear that I already have a XXXX agreement in force and that they insist I submit new modification paperwork. I clearly marked on there that a HAMP will not fit my circumstances, an in house would need to fit my special circumstances as the XXXX was an in house agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy 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 non-monetary relief
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
, XXXX XXXX, Il, XXXX, entity number is XXXX, and the address in Delaware is XXXX, according to the CA Secretary of States XXXX XXXX. So, this company is a customer of the prepaid city payroll. I am not speaking about other Sears, but only what happened to me, that since I was added to their account, and the management kept it a secret, they had also all the powers to control it, spend it and so on. That 's explaine, why I could not get any statements from them, and was fed tomorrows. I have every check that was deposited on the statements and every XXXX says that the money were deposited into checking account, ending XXXX ( I am not going to put it here, but I will send to you ). And, of course, it was not my account, it was their account. These people, I worked for, were living of me. Shame! I want justice, and I want all the refund. Not only, how emotionally had they broke me, not even including. Thank you. Please, I will wait for your response. MY phone number XXXX XXXX XXXX. Thank you, again, with all my respects, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation