BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted our QWR to the lender 2 times and again on XX/XX/2017 - the lender has not responded to our inquiry and are proceeding with a SD of XX/XX/2017 - the lender is in violation of our right to the requested information to assist our client property.

Company response to consumer: Closed
Consumer complaint received 2017-03-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services

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 2016-06-03
Company: Northstar Location Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am in the process of paying this debt collector the amount owed, and I am using the online payment system to minimize communication with them. Their website ( XXXX ) allows you to make payments, no matter what date you choose to make your payment it will be drawn on the day you go to the website and make payment. For example, last month I scheduled the payment for XXXX/XXXX/2016 and I processed the information for the payment on XXXX/XXXX/2016, the payment was drawn out of my bank account on XXXX/XXXX/2016. I have the printout of the information that I submitted for the payment and it clearly indicates XXXX/XXXX/2016 for the payment date. This is deemed as a deceptive and false payment practice of Northstar Location Services and should be investigated, ASAP.

Company response to consumer: Closed
Consumer complaint received 2016-08-02
Company: Northstar Location Services, LLC
State: IL
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:
Northstar Location Services , LLC has resurrected a XXXX year old collection account that was written off by XXXX 9 years ago. It was also disputed with XXXX two years ago with CFPB ( Case # XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX wrote this debt off and deleted it from my credit report. This debt/account ( see attached document ) is over 9 years old. I have not had any communication from XXXX XXXX since filing bankruptcy in XXXX 2007 and XXXX XXXX. XXXX. since they informed me that they were writing it off and deleting it from my credit reports. I have not and do plan on reopening a closed old account with NorthStar collections. I have not contacted them. I have only received these letters and occasional phone calls which I do not answer.

Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: SERVICE 1ST MORTGAGE, INC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Service 1st is targeting veteran mortgage holders with deceptive advertising and misleading disclosures that grossly underestimate escrow accounts and try to convince veterans to switch from low fixed rates to adjustable mortgages at extremely high costs.

Company response to consumer: Closed
Consumer complaint received 2015-12-21
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.

Company response to consumer: Closed
Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
or the last few weeks I 've been receiving phone calls between XXXX : -XXXX in my timezone as I am living in XXXX and I explained this to them repeated that it was waking up my XXXX wife and causing XXXX. Every time the caller was abusive, threatening to serve me with papers, have me arrested for failure to appear, calling me names like dead beat even after I confirmed it was not me be verifying the last XXXX of my social. An earlier company said it was a debt from Bank one from 2011 and I had not done business with them during this time. I simply asked them to quit calling and they refused. They would make a threat and then hang up. I continued to ask who they were, any informaton they are required to give you and everytime they refused. I would call back and they would hang up repeatedly even when I would ask to speak to a supervisor. It 's hard to discribe the language she ( XXXX ) used every time she would call me or I would return her call. Finally tonight I was able to get the companies full name in order to file a complaint when another agent answered. This is not my debt and every time I register a new phone number the calls continue to my cell phone thorough skype to china. Once she insisted that I confirmed it was my debt when I clearly did not and threathen me again. I do n't know the exact number of calls this week but I 've talked to them over a dozen times and she said plainly they will not stop until the guy is caught so clearly she knows it 's not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In XX/XX/XXXX, my bank account was frozen and funds taken for a debt that I knew nothing about. My bank provided me with information stating that Forster Garbus & Garbus had filed suit against me in XX/XX/XXXX. I called Forster Garbus and Garbus in XX/XX/XXXX and requested they send me all information regarding this case, as I had not been notified prior about any collection efforts. They sent this information dated XX/XX/XXXX, to my home and I reviewed it. I ascertained that the debt was valid, and since that time I have made repeated calls to the agency requesting to make payment arrangements for the debt, and for them to stop attacking my bank account and causing NUMEROUS overdraft fees to my account. I have received no answer from the agency, and my bank account was again hit on XX/XX/XXXX, causing financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After working with Chase Bank on an Internet scam ( XXXX ) for over 18 months with credits applied to my credit card account ( ending in XXXX then changed to XXXX to eliminate this issue ). I closed this account in XXXX 2015 with balanced paid in full. In XXXX 2015 I received a letter saying I authorized them to reopen another account which is not true. Now I keep getting bills with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased and air intake and I thought PayPal only give the seller the money when I receive my item but they denied my refund and I never even got a delivery date just a date they would receive funds from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Westlake Services, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I became aware of having to recertify my REPAYE loan with Nelnet student loans. 
Prior to this these people have been great but due to misinformation, incorrect directions, and each person telling ( or not telling ) me what I need to know I now face the possiblity of almost a {$10000.00} capitalization on my student loans. 
After submitting form after form, time after time, without anyone helping me get this problem solved I finally, after mentioning I wanted to know if Nelnet had a corporate omnibudsman, I was informed there was a resolution center .... Wow ... 
Since all the calls are recorded I have proof and when I asked the supervisor who is held accountable and why should I have to have my interest recapitalized, she said that is an internal matter. the {$10000.00} I have to pay does not matter to Nelnet and they are going to force me to accept this even though it is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Chase XXXX XXXX XXXX based on an attractive bonus offer for frequent flier miles ( XXXX ) based on spending within the first year. The offer was XXXX XXXX for spending {$2000.00} in the first XXXX months, another XXXX XXXX for spending {$10000.00} in the first year, and an another XXXX XXXX for spending an additional {$10000.00} in the first year. I met the spending requirement for the extra XXXX in the first year, now the company is refusing to issue the miles stating that the bonus offer was never attached to my account and I would have had to have complained in the first XXXX days of opening the account in order to have it changed, even though I had a year to met the spending requirement. Chase also claims that the offer was only available to select individuals who received the offer by e-mail. However, the offer was advertised on the XXXX XXXX website, which is where I applied. I even have a screen shot of the offer I applied for that I shared on social media at the time. I have talked to several representatives at Chase and all are refusing to honor the bonus offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion added previously deleted inquiries from my credit report. 13 days later, those same deleted inquiries were placed back on my file. I called Transunion and inquired about this and they stated they experienced a glitch and would remove them. Upon checking my report, the inquiries are still on my report and have not been removed as promised.

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 2015-09-01
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.

Company response to consumer: Closed
Consumer complaint received 2016-09-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned

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 2020-01-19
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company sent me a letter asking for collections regarding a debt owed to XXXX in the amount of XXXX. I just called XXXX and verified that I have no balance due on my account. This company is making false claims and threatening to report it on my credit report if I do not respond in 30 days. 

I have sent in a letter disputing their claims as false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: NCC Business Services, Inc.
State: FL
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:
Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.

Company response to consumer: Closed with explanation