BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Nationstar became a XXXX sub-servicer of my mortgage loan 3 months ago, the company has failed to post my monthly mortgage installment payments against my account in a timely fashion. Each month, I receive a call from Nationstar inquiring as to where my payment is when, in fact, the company had received my payment well in advance of the due date. I received another such call yesterday ( XXXX/XXXX/2016 ) inquiring about my XXXX XXXX payment. My mortgage installment payment ( due XXXX XXXX ) was electronically sent to Nationstar on XXXX/XXXX/2016. I also received a letter in the mail stating that I would be assessed a late fee if Nationstar did n't receive my XXXX XXXX payment by the end of my grace period. Nationstar has my XXXX XXXX payment! How can this happen month after month? I have reason to believe that the company is failing to post payments in order to access late fees on its customers. This practice is reprehensible!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

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 2022-06-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card bill was paid on time but paid twice in the amount of {$1100.00} x 2. My bank reversed the duplicate payment, because the credit card company refused to refund the overpayment. Now, the credit card company has issued a {$35.00} charge as a Returned Payment Fee. I did not expect to have to fight to get my money back, and I certainly didnt expect to be charged for it. My bank is also looking into the matter, but there has been no resolution to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a judgement showing from Chase card XXXX XXXX XXXX XXXX for {$3000.00} the reference number is XXXX. This money was collected through wage garnishment XX/XX/2012. It is still showing on the credit report, but is not showing that it has been paid. The balance was paid in full by wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was in the process of reviewing my bank statements when I was preparing my taxes and noticed that in XXXX a check that I wrote to a cleaning company posted twice to my account it was the exact same check with the exact same date and the exact same amount and the same check numberwhen I noticed the clerical error I notified my bank they researched and admitted that they incorrectly paid out the XXXX and they would look to resolve the issue 30 days later I have not had a resolution and I am being told that I can not receive the funds back in my account until they have received the funds back from the bank in which they had paid out multiple times. They do not have a date for a resolution and stated I would never receive my funds if the bank they had paid out to never returned it back to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase lien release complaint. 
We 've now spent well over six months battling with ChaseBank over their proper title lien position on our property. 
We ca n't refinance, sell our home, or even procure another equity loan at a lesser interest rate unless they do so. 
So far they have been nothing but obstinate and evasive, in regards to solving this issue. 
Chase has been paid, in full, by XXXX and we have proof of that. It now seems evident that Chase wo n't relinquish their erroneous first position lien as they can use it on their financial statements as an asset. 

Here is the acquisition of banks regarding our property : XXXX Inc acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX We now have a second lien which is our current mortgage held by XXXX. XXXX should actually be in 1st lien position since our 1st was paid off when we re-financed. 

Six months ago we filed an application with XXXX XXXX XXXX to procure a business equity line of credit. XXXX XXXX XXXX discovered that Chase still has a first lien upon our property that should have been released in XXXX. XXXX XXXX XXXX contacted them and requested the lien to be removed. XXXX XXXX XXXX has our signed limited power of attorney to make the request on our behalf. Chase bank told XXXX XXXX XXXX that no such lien existed and asked XXXX XXXX XXXX to prove that one did indeed exist. 

XXXX XXXX XXXX has had several months of correspondence with JP Morgan Chase. Chase would not move forward and so XXXX XXXX XXXX could n't move forward either and our request of an equity line of credit was denied. XXXX XXXX XXXX 's title department stated at this point it that we would need to request the lien release personally. 

On XXXX/XXXX/XXXX I called the Lien Release Department at Chase and asked them to provide a copy of the recorded Release of Lien. 

The Chase Lien Release Customer Research department finally admited that they had failed to release the first lien on our house in XXXX. 
At that point I was told that Chase does n't have a proper power of Attorney in order to file for the lien release Again here is the acquisition of banks regarding our property : XXXX acquired by : XXXX acquired by : XXXX acquired by : Washington Mutual acquired by : JP Morgan Chase XXXX paid off JP Morgan Chase in XXXX So essentially Chase is now trying to get a Power of Attorney, from themselves, so they can release the lien that they should have already released back in XXXX. 

As it has become obvious that Chase is purposely stalling the release of this lien on our property for there own gain ; we are asking that you grant us assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried for years to get modification on this property. I have sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Diversified Consultants, Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i took out this loan, been making pymts on it. Chase call today and informed me the loan was not process. I informed them we had the bk interview bk in XXXX when I bought it. 

they do n't have the loan that I am paying this loan on. I made XXXX {$500.00} as to date out of my chase cking acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Other

Complaint:
On XXXX I rented a vehicle from XXXX in XXXX, XXXX, XXXX. I charged this rental on my Chase VISA card ( XXXX Mileage Plus ) and I thought, chose to waive the damage waiver because Chase had sent me an email that such insurance coverage would be provided if I used this card to pay for rentals overseas. Apparently I accepted damage waiver, but with a XXXX XXXX payment due if I had an accident. On XX/XX/XXXX I had a blow out on the left front tire, requiring towing and replacement of the tire, then on XX/XX/XXXX I scraped the left side of the car on a narrow, walled road in XXXX. I returned the vehicle on XX/XX/XXXX and was charged XXXX XXXX in additon to the rental charges. I submitted a claim to Chase and provided them all supporting documents describing the damage and repair costs. They declined to cover the charges of {$910.00} stating that I had failed to affirmatively decline the Collision Damage Waiver on the rental agreement. It appears to me that I declined the Rental Company 's insurance by taking responsibility for the XXXX XXXX excess damage waiver. I feel that Chase is misleading customers into using their credit card by offering this insurance coverage yet denying claims that are seemingly covered. Had I known I would have had to go through so many hoops only to be denied, I would have opted for the rental car insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Recently my loan payments increased because of an increased need in my escrow account. I am retired and tightly budgeted so an increase of $ XXXX/month is impossible ( partial payments are not accepted ). I learned the reason is an increase in homeowners insurance and taxes. I have explained this to Chase but they say that their hands are tied. I have had to wait to pay each month until my Soc Sec check arrives which makes my payment late. I am appealing the taxes and I have changed insurance companies. Recently I caught up but I still receive telephone calls from Chase Mortgage even when my mortgage payment is not late ( before the XXXX of the month ). They insist knowing the date when I will pay, and they say the calls will stop if I tell them the date when I will pay. I consider this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Several months ago I was making a XXXX reservation and enrollment in XXXX program. Attached with the XXXX program was a promotional offer for a Chase Credit card that would have provided bonus miles as part of the XXXX program. I did not purchase the airline ticket and canceled the reservation. I believed that the XXXX program was not completed and also assumed the credit card application was voided because of that. I never received the Chase card but am being billed for initiation of an account. I advised the card company over XXXX month ago of this situation. Now, they are billing me {$100.00} for the card initiation as well as late charges. How do I get these charges canceled for the product ( credit card ) I never received, for services I 've never been provided, and having purchased nothing against the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Nelnet, Inc.
State: CT
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:
Nelnet had placed me on the wrong repayment plan in 2012 after calling to discuss that it did n't make sense for me to be on a 10 yr repayment when I would qualify for the Public Service Loan Forgiveness after making 120 payments. They switched me to a 25yr standard plan and told me that I was all set with my plan to qualify for the PSLF. I now have found out that they lied and that plan does n't qualify for the PSLF. I was told none of my payments counted towards the 120. I have made more than {$19000.00} in payments. They tell me there is nothing they can do to change this due to their records of the change made in 2012 not mentioning the PSLF. So just because their records are bad and they do n't save their recordings of the conversation, I am out XXXX dollars and told I need to start from square one again making my payments. ONBUDSMAN was no help and dept. of ed was n't either. Please help!!!! 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I called loan Depot.com, XXXX for an check of their rates on a home equity loan. I was transferred to XXXX XXXX XXXX who proceeded to give me a high pressure sales tactic for a 30 year mortgage loan of {$100000.00}, which I did not want. I did not accept this offer, and only told him I would think about it. I had subsequently decided to accept a more conventional HELOC with another lender. Loan Depot.com called my house numerous times, and today a fully filled-out loan application ( minus my signature ) arrived in the mail. I feel this is completely out of bounds and I am very upset about this. A lesser informed consumer might feel obligated to accept this offer, which obligates them for 30 years. I would like the CFPB to issue a warning to loan XXXX and XXXX XXXX stating that this tactic is unethical. I 'm not sure if this is illegal, but if it is please take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My checking account currently has a block or restriction preventing use of mobile deposit, this is due to number of times overdrawn/currently overdrawn. I do not have any branches and or ATMs located near me in Connecticut, I will need to use mobile deposit in order to bring account positive and for future deposits. The rep I spoke with earlier today stated I could transfer funds from savings, however, a federal regulation prevents a number of XXXX transfers per statement cycle. Needless to say, this does not resolve matter.

Company response to consumer: Closed with monetary relief