BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services

Company response to consumer: Closed
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have several accounts with JP Morgan Chase. I received a notice on XXXX/XXXX/2015 that my mailing address was changed. I have been using my P O Box address for more than 10 years. In fact, I never requested to change my mailing address at all. Chase changed it without my approval and authorization and claimed that is " a protection to me '' which I totally disagreed. I called on XXXX/XXXX/15 and talked to XXXX ( supervisor of CA Banking ) and opened the case number under # XXXX. I needed to know who made such mailing address changed requested without my approval. That is the reason XXXX opened a ticket and someone would contact me. XXXX/XXXX/2015 a research support lady name XXXX XXXX at XXXX x XXXX called me. She is not helpful at all and claimed changing address from my mailing address to my residence address without my authorization is legal and is a protection to me. I totally disagreed. Customer has the right to use different address and bank shall respect the customer 's decision. I never request to change and someone changed for me and XXXX still claim that is legal and benefit to me and not feel nothing wrong for Chase 's overwrite at all. In addition, she kinds like a threaten to me by saying " Do you want to have a banking accounts with Chase? '' Sounds like if I do n't satisfy that changed address without authorization and I should cancel and close all my accounts with Chase. That is so ridiculous and unprofessional. I told her that I will file complaint to CFPB because that is totally unacceptable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a short sale. We have a very unique situation on this property. The owner signed a Deed of Trust with a man named XXXX XXXX XXXX, a business partner. However, he thinks she signed a vesting deed giving him 50 % ownership. That is not the case and the title company has confirmed. At XXXX point the seller XXXX gave him authorization to speak to Chase, which has since been revoked. This is relevant as he is currently occupying the property and has sent threating voice mails to the seller stating Chase has given him authority to live in the home through the end of the year on her dime. In the meantime we are trying to submit an offer to Chase for short sale review. The current buyer is cash and understands the title issues and plans to file a quiet title lawsuit against the renter/partner to remove the unsecured Deed of Trust from the property and remove him from the premesis. I have been trying to obtain a soft decline in Equator to upload the new offer since XXXX/XXXX/15. You will see in my notes the numerous attempts to have an offer task sent to us to upload the new offer including management escalations and there is nothing but ignoring our request and non response. I am a short sale facilitator of 8 years and constantly tell my clients the process is not a conspiracy but simply the process. But after the threatening voice mails and then this behavior by Chase, I am starting to think there is truly something going on behind the scenes to prevent our submission of this offer. I just need Chase to do their job and send us an offer task and start review of this cash offer that is the ONLY offer that would take on this title vesting issue! It almost seems like they want this property back. Just at a loss on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account at CASE, put in about {$100.00} then after a few months they transferred my money to a different account or something and then started charging me a fee. My wife went into the branch and they did n't know why the account type or transfer happened but would n't refund the fees so she took whatever was left in the account out and closed the account. Now the branch says I have to open a NEW account for them to give me back the money they stole ... I went there twice but they gave me the run around and the wait was too long. Regardless, the transferring of accounts feels like a scam, why did they do that, how can they do it legally? Why ca n't they just send me a check?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: JPMORGAN CHASE & CO.
State: WV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I moved from our home in XXXX XXXX to take a job in XXXX XXXX. The home was financed by Chase and I spoke with many people in an unsuccessful attempt to arrange a short sale through our realtor. Our neighbor was willing to pay XXXX in a short sale but the realtor said she was unable to arrange it because the Chase Bank site that she went to demanded {$200.00} to finish the application. Chase bank sold the house on the courthouse steps in XXXX XXXX for {$30000.00} on XXXX XXXX, 2013. Chase informed the IRS that we had capital gains in the amount of over {$30000.00} for which we paid enormous taxes. This week we received a letter from a Texas attorney who supposedly bought Chases interest in the amount we were unable to pay and is harassing us for over {$38000.00}. Throughout this process I took detailed notes, kept meticulous records, and still have all of the paperwork from that horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am very disapointed with Loan Me Inc.. this is company that instead of helping people is killing with their interest of 94 %. I got a loan with them On XX/XX/2016. in the amount of {$6500.00} Just a t the begining they charge to my loan {$750.00} dls for office documents. two weeks after they diduct from my account {$280.00} and monthly payment was {$500.00} interest only. 
when I went to my account to check how much was my principal balance. I was very surprise!!!!! ... .. that from the payment of {$500.00}. only XXXX cents had went to the principal balance. 
Be Very Carefull With This Company!!!!!!! DON T GET THIS TYPES OF LOAN, BECAUSE ITS REALLY BAD RATE 94 % INTEREST ... 
I WILL NEVER RECOMENDED TO NO ONE ELSE!!!!! MY LOAN NUMER IS # XXXX NOW I WANT TO ALL OF US THAT HAD BEEN HURT WITH THIS COMPANY CALLING " LOAN ME INC '' WE CAN ALL GET TOGETHER AND BRING THIS COMPANY TO THE XXXX XXXX SUPIRIOR COURT TO MAKE IT JUSTICE.. BECAUSE IS HURTING WITH THEIR INTEREST RATE.!!!!! Please Contact me at XXXXXXXXXXXX. Thank You!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AES/PHEAA
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:
I attended a school called XXXX. At the time i had no XXXX, XXXX diploma or nothing to that sort. They admitted me by claiming i had the relevant paper work. I left the school after only 6 weeks due to how unprofessional they were. I later found out that all the schools had been closed due to them committing fraud which included admitting students who did not have the relevant paper work. 
My credit has always been in the high XXXX to early XXXX. I have never in my life missed a payment on anything. I have only been in the country for 6 years as a permanent resident and am very vigilant and mindful in my credit. 
At the XX/XX/2017 Fed loan reported to the credit bureau that i had missed several payments. I believe they entered XXXX different types of loans and one of the payments they reported was {$1.00}! 
On my side i thought my account was still in deferment. I had also told them i had moved but im assuming the file was not updated. 
I am wondering where i stand with this. I wrote to them to get this loan discharged but have heard nothing to date. 
Are they allowed to report XXXX different entries for XXXX loan AND an amount of {$1.00}! 
They took my credit from XXXX to XXXX for a loan that i should be considered for discharge AND due to mail being sent to my old address. 
Please let me know where i stand. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Other

Complaint:
I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: AMERICAN ADVISORS GROUP
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a reverse mortgage at the urging of a loan officer and was refused the loan. I told her that I had a recent appraisal and that I did n't think I had the value needed. She looked at something in her office and assured me that she saw like homes with a much higher value in my neighborhood. I paid for the appraisal and consumer counseling at a sacrifice, to be told that my initial thoughts were correct. She told me what the appraisal was, it was more than I thought but still much to low to get the loan. I requested that she send me the appraisal and she never did.

Company response to consumer: Closed with explanation