BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info. 
They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion. 
They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX. 
The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX. 
They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Nelnet, Inc.
State: GA
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:
Nelnet has ceased to accept payments on weekends. Recently, when scheduling a student loan payment online, I was unable to schedule a payment for any Saturday or Sunday. My credit card, utility and cell phone bills are all payable on weekends. Surely it 's possible for a Federal student loan servicing company to accept ACH payments on weekends as well. 

My loan accrues a few dollars a day in interest every day. If I ca n't pay until the Monday after the weekend, it costs me almost {$20.00} in interest alone. In my opinion, this is the most likely motivation for Nelnet to refuse to schedule payments on weekends. A student loan servicer should do exactly that - service my loans. They should not prevent me in any way from paying to my own detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a forbearance by a gentleman on the phone who assured me that a forbearance would get rid of my late student loan payments ( which I could n't make because I lost my job ). On XXXX and XXXX he kept his end of the bargain and they deleted the past student loan late payments, but on XXXX, I am still showing as late. 

I was recently promoted at my job and will have no problems paying my bills on time Please update XXXX to not show the late payments as discussed in the forbearance and I will be satisfied and my financial future will be back on track. 

I have attached a copy of my XXXX XXXX credit report, dated yesterday that I paid for, as well as a close-up image showing the discrepancy. 

Thank you for your assistance in this matter, and I look forward to seeing the result showing as it should be properly reported per my verbal conversation with the representative at Great Lakes,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an dispute with Capital One Bank on XX/XX/2016, XX/XX/2016 and XX/XX/2016 and I not received an response back. 
This is what I said in my dispute. 
" First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One never responded to all of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Nelnet, Inc.
State: MD
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:
Nelnet was servicing my student loans. I did not qualify for in-school deferment because my school was not XXXX XXXX. There were several conversations about a forbearance and/or deferment for several months from XXXX XXXX through XXXX XXXX. The forbearance was finally granted and was retroactive to to XXXX XXXX, XXXX but covered all months between XXXX XXXX, XXXX through XXXX XXXX, XXXX. My account was brought current with Nelnet but was never updated with the major credit bureaus. This behavior is contradictory to the FCRA 623 ( a ) ( 2 ). They are direct violation of the the FCRA. I have asked customer service representatives to send me written proof of my forbearance but they keep sending me a payment history. The last representative I spoke with told me, " this is not going to help your credit report, we are not fixing that ''. My loans have been consolidated. prior to the consolidation, Nelnet refused to even acknowledge the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Danco Financial Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase bank is the issue. I made a purchase with XXXX XXXX about two months ago and attempted to cancel the flight as there are numerous emergency landing in the past 8 weeks and also a cabin was smoky. I was told that there is a XXXX cancellation fee for each person when the website stated XXXX dollars. When I questioned this by calling the airline they stated that the fee is XXXX dollars for each. I tried to explain to them that the site uses the word " segment '' not round trip and they is very misleading. Every other airline site has very clear policies. I called them to resolve they will not, I told them I was a credit for the cancellation and all they will do is provide a voucher which means I 'm forced to fly with them EVEN THOUGH I do not feel safe. I 'm flying with a XXXX year old, I refuse to take my child in an unsafe airline, they are holding my money hostage, I have not used their service all I want it my money. I contact Chase via social media XXXX and they took the claim and gave me some non sense that the claim might not be approved after explaining to them these people are fraud and mis leading, I have never filed a claim with Chase ever, been a loyal customer, and I though credit card charges were protected in events as such. There is still no response via social media, I tweeted them about an call and their response was " We will call you when we are able '' extremely unsatisfied, not professional at all! All I want is my funds back on my CC, I have used the service, they are unreliable and unsafe and my credit card should protect me in instances as such instead of siding with the merchant. I have NOT benefited from anything I NEED HELP ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my home with USAA and did not receive copies of any of the loan documents that I signed. Additionally, I received {$310.00} less than the amount identified on my final Closing Disclosure form.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received several calls from a company name legal support services, I then Received a voice mail stating that I needed to be home to sign for a legal letter, a phone number was left from the phone number XXXX to call XXXX if I needed to reschedule the delivery of these documents. Curious to what these documents were, I called the XXXX number. Someone named XXXX answered the phone, and said she worked for the legal support services for Chase. She informed me that the documents being sent were a notice of legal action taken against me by Chase for a credit card from 2004 that I had no memory of. I told her that I would not be home to accept these documents. She then informed me that if I am not home at the time of delivery, they would send someone to my job to deliver these documents about a court case that is now pending against me. She then said that they were also going to take garnishments from my wages. Still unclear of this credit card she is referring to, I began to ask questions in which she responded that she is not obligated to disclose this info. She could only tell me that I was going to have to pay the credit balance of XXXX XXXX and something dollars, in addition to court and legal fees. She then placed me on hold, came back to the phone and said Chase was willing to settle this credit card debt for the amount of {$990.00} if I can agree to pay it in full. If I agreed to pay the {$990.00}, the legal documents that I had to sign for would not be sent, no one would come to my job, and no garnishments would be taken, and I would not have to appear in court or have any legal actions taken against me. Scared from all of the threats, I agreed to pay the {$990.00} over the phone, even though I have no memory of a Chase card from 2004. She then gave me a confirmation number XXXX and said I would now receive documents in the mail, with all the details of our transactions, and a letter of XXXX balance that I would have to reference if I get called again. I have yet to receive anything in the mail. I just received my statement from the bank and noticed that the description for that payment says XXXX XXXX XXXX, a company I never heard of, again they told me they were legal support services for Chase. Please assist. I believe I was scammed, fool, tricked, and misled and forced to pay something that I did n't have to, but was forced out of fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I Have provided proof in writing of XXXX XXXX dollars that was consolidated. proof!!! I have never been to a XXXX in my life. I need this handled. And there is absolutely no papers on that loan either ; I have proof of the XXXX XXXX not XXXX XXXX ; what is wrong with you people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
CHASE BANK MORTGAGE LOAN # XXXX WAS NEVER AGREED UPON AND MODIFICATION NEVER SIGNED, CHASE HAS SINCE AQUIRED XXXX TO TAKE OVER LOAN WITH A NEW MODIFICATION XX/XX/XXXX, CHASES AND XXXX HAS COMMITTED DUAL TRACKING FOR OUR PROPERTY XXXX XXXX XXXX , XXXX CA XXXX WE RECENTLY RECIEVED OUR FIXED NOTE ( PAID IN FULL ) WITH THE CHASE LOAN # XXXX AND A FULL RECONVANYCE WITH THE XXXX LOAN # XXXX BOTH LOANS HAVE DIFFERANT LOAN NUMBERS AND DIFFERANT XXXX # FOR THE SAME PROPERTY. THEY STOLE OUR PROPERTY OF OVER 23 YEARS AND WE WERE CURRENT WITH OUR ! ST LIEN HOLDER, AND NOW THEY SOLD OUR PROPERTY UNDER OUR NAME FOR XXXX, BUT SENDS A RECIEPT FOR {$150.00} WE WERE EVICTED OUT OF OUR HOUSE IN XX/XX/XXXX BY FRAUD AND THE PROPERTY IS STILL IN OUR NAME IN XX/XX/XXXX WITH CORRESPONDANCE OF FEES AND INSURANCE CLAIMS ON PROPERTY, BUT WONT SEND OUR FINAL CLOSING STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with Bank of America a few years ago. They forced me to enroll in auto payments, which prevented the ability to add an extra amount to my payment to pay off my mortgage. Their online system does not allow you to make inter-month additional payments to either principal or my escrow account. I think BofA intentionally makes it difficult to pay off your mortgage. I 've pursued my complaint with them directly and I am told I can either schedule an additional payment ( I ca n't afford to make 2 payments in a month and add {$100.00} ) or mail a check for the additional principal I want to pay down. It is not convenient. I do n't understand why I ca n't make an additional payment whenever I want for whatever amount I want when I have additional money available with the intent of paying my mortgage off earlier.

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