BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long

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 2016-02-14
Company: IQOR US INC
State: NY
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 currently owe money to XXXX from private student loans. This debt has been disputed and I have filed a Defense to Repayment and the collector is not only calling me repeatedly but also calling my mother in law and my husbands grandmother ( whom neither of them signed anything for me, and one of them does not even speak English ). They have no right to constantly call my family looking for me when they have no ties to me financially. This is unacceptable and harassment.

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 2015-06-25
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Team Recovery Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rec 'd call XX/XX/XXXX, XXXX, from XXXX seeking XXXX XXXX . Caller said he represents Allied Interstate [ a collection agency ]. I have been getting these calls since XX/XX/XXXX and I 've told Allied Interstate since that I do n't know her ; that the number called has been reassigned and to cease calling and removed my number, but to no avail has this harassment stopped to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter XXXX Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till XXXX XXXX. Supposely a letter was sent out to me on XXXX XXXX. - the same day that I filed for bankruptcy. On XXXX XXXX, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work orders were filed but they could n't tell me anything how this happened with all their safeguards. On XX/XX/XXXX..I called them again and I keep getting a different story. I have ask written proof of the bankruptcy to be send by email or overnight certified mail. Their response was I had to wait till the claim was investigated but could n't tell me when this would be. Nothing has been resolved or explained to me. Currrently, I have not received or seen any written proof that I have filed for bankruptcy. I ca n't understand why this taking so long when it was n't my fault, but the bank 's fault. They have all my information and the records show that I am current. 

To me, this is not only about money but also justice that needs be justified and solved in a righteous way!

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 2015-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Chase bank denied me credit on an application for a XXXX credit card with the reference number XXXX after citing my " bankruptcy '' from 2012 as the issue for denial. Yet, on the application they specifically asked whether or not the applicants has any bankruptcies on their credit file and I checked the box for YES and yet they still placed an inquiry on my credit report and proceeded to deny me for having a bankruptcy. I believe that this is extremely deceptive and hurtful to my FICO score. They were deceptive in their application process and misled me to believe that I would qualify for a credit card with a bankruptcy reported on my account as long as the FICO score, annual income and credit history was acceptable. My FICO score is XXXX which is exceptionally and my annual income is {$80000.00} which is more than suffcient to have this card. The reason for denying me credit was extremely malicious and had I known that they would deny me on the grounds of a bankruptcy, which they already knew I had, I would never have applied. When i called CHASE to complain about this deceptive behavior on their part they then proceeded to tell me that in fact i was denied due to inquiries on my report. That is also not true, I have only XXXX inquiries, XXXX of which was placed by them unnecessary. Knowing i have a bankruptcy, which is old, Chase should NEVER have placed an inquiry on my report since that was the REASOn they gave me for rejecting my application. As a result of their unnecesary inquiry my FICO scores have dropped XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: GREAT LAKES
State: TN
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:
In XXXX XXXX some of my loans went into repayment and I began making payments to Great Lakes XXXX. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made {$1900.00} in payment. According to my XXXX XXXX billing statement my payment history showed {$770.00} in principal payments and {$1400.00} in interest payments. I entered XXXX school in XXXX XXXX. However, in my XXXX XXXX billing statement, my payment history now showed only {$460.00} in principal payments and {$1700.00}, a shift of {$300.00} from principal to interest payments. The payment history on their site also now longer matches the information from the billing statements during that time. All the payments prior to XXXX/XXXX/XXXX are now all showing interest only payments. I noticed the issue after making my XXXX payment and contacted Great Lakes on or about XXXX/XXXX/XXXX. 

I was advised that someone would be researching the issue and getting back to me in XXXX3 business days. Three weeks went by and no update and the account is still showing incorrectly. I contacted them again today and they had no answers, despite having my call escalated to XXXX different supervisors XXXX and they advised that me it will take at least XXXX2 more business days to research the issue. When I asked for the detailed payment history for each disbursement ( token ) for the loan, I was first advised it would take XXXX6 weeks. However, once I spoke with a supervisor I was told it would now only take XXXX2 business days. I would like to make another payment, but I am waiting for them to correct this issue so that this payment is also not misapplied. 

I need both the detailed token payment history and the payment application error corrected. Further, I would like to have a detailed token payment history sent to me monthly so I can continue to monitor their compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: GREAT LAKES
State: CA
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:
XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XX/XX/XXXX second loan with this bank two separate loans. First was XXXX XXXX dollars purchase single XXXX home XXXX XXXX no land attached. XXXX XXXX XXXX notorized and requested my XXXX XXXX XXXX dollar loan with land as collateral for purchase of XXXX XXXX, location XXXX XXXX XXXX XXXX valley XXXX XXXX of XXXX XXXX. Deed recorded at Auditor 's office XXXX XXXX XXXX of XXXX. Washington Mutual Bank gave me XXXX XXXX XXXX dollars XXXX XXXX. XXXX XXXX XXXX passed XXXX land deeds to XXXX XXXX XXXX first was recorded in XXXX Wa XXXX of XXXX. Other XXXX XXXX XXXX stamped XXXX WA XXXX of XXXX. Public sewer did not come in too my property till the XXXX of XXXX XXXX. My XXXX mobile sat empty till XXXX of XXXX. JP Morgan Chase has been trying to bully me out of my land, I requested their research department to secure the land deed and Estimate acreage from their XXXX Wa Branch XXXX XXXX. They did nothing. First complaint to Attorney General XXXX XXXX public XXXX ref. Complaint XXXX of XXXX. Ref complaint of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I had ordered a replacement debit/atm card for my savings account but never received it so I went into a branch to order XXXX because I was told when I visited the bank in XXXX of 2015 that it was never ordered. I was then told that the temporary card would be destroyed & I asked if I could take some money out XXXX & was told sure. I went to the atm & it said XXXX balance I was like how is that & told the banker I was talking to, she pulled up the transactions deposit on XXXX then a {$100.00} withdrawal on the same day of the deposit & then another XXXX transaction XXXX but the XXXX is the day I went to the bank & realized the unauthorized withdrawals. The banker reported the issue & I was given a temporary credit for the unauthorized withdrawals. Today XXXX I received a secure message saying that the credit is being reversed. How is that when I did n't make the withdrawals plus it was done from the Chase branch atm location that I made the deposit so I need to see the proof they claim to have to reverse my credit. I had absolutely no reason to take {$200.00} from my account when I had just deposited it & had also took out {$300.00} from another account to have money on hand & still had over {$300.00} in that account when taking the {$200.00} from the {$300.00} I withdrew to put in my Chase savings account! I had over a {$1000.00} deposited into my checking account with another bank on the XXXX, took out {$300.00} to make the {$200.00} deposit into my savings on the XXXX & days later still had over {$300.00} in my other account with more than {$900.00} being direct deposited into my other account on the XXXX of XXXX! I had absolutely no reason to touch my savings account especially after making the deposit & keeping a {$100.00} of the {$300.00} I withdrew & certainly not on the same day of the deposit! This was fraud due to skimming & Chase needs to find out who did this to me & stop trying to blame me for something I clearly did not do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is the second CFPB I am filing because the response to the first CFPB did not address our efforts to resolve this issue. The Affidavit of Lost Note is NOT acceptable to us, as it would be admitting that we have a home equity loan, which we DO NOT. We want CHASE mortgage to find the original note to our house, with our signature, proving that we took out a home equity loan. Since XXXX, 2016, we have been trying to resolve this issue of the 'lost ' note so we can refinance our house at the lowest possible conventional loan rate and not the home equity rate and attachment. We still believe, as told to us numerous times that the loan is miscoded. CHASE says it is not, but they have not been able to prove it. A Lost Note Affidavit is not proof. This resolution is not acceptable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Chase XXXX credit card charged me XXXX service fee even when told them that I am not going to use this credit card and do not require their services for travel. The Chase representative refused to refund XXXX fee, even I told them that I am not going to use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You.

Company response to consumer: Closed with explanation