BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My father died XXXX XXXX before the will was found and estate placed into probate my brother walked into Chase Bank on XXXX XXXX XXXX Il and removed close to XXXX dollars from a checking and savings account. These accounts were only in my father 's name. My brother was not listed on them. Chase fired the teller and has not replaced the monies as of yet. It is my understanding that they are required to replace monies stolen from any account. Why would the bank not pay these funds back into these accounts? They permitted a theft of the funds - they should pay them back into the estate. If the Bureau needs further information I would be happy to provide it. My desired resolution is for Chase to replace the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

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 2017-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was defrauded by XXXX at XXXX that have also defrauded XXXX also by selling an wrecked carthat has an bent frame that was a totalout car that is worth only $ XXXX-XXXXand that 's only selling the car as parts XXXXshowed me Car Fax that said car neverbeen wrecked purchase car in XX/XX/2013and the car is an XXXX Kia Optima thathad only XXXX miles on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank refuses to stop flooding our business mail box with unwanted, non-recyclable paper junk mail. This is despite several written request to stop for the past 2 years, and even filing a complaint with the XXXX in New York XXXX. The mail is addressed generically to " Our Neighbor ''. 

Chase Bank claims on their web site how " green '' and environmentally friendly they are. What a joke! Just another hypocritical big bank that floods the XXXX with unwanted junk mail while their management makes off with millions. " Green '' - Yeah Right!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose. 
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has been fraudulently using inaccurate information on my credit report for years. I have tried disputing the account multiple times, calling, and I will have no option at this point but to file suit under the Fair Credit Reporting Act unless this item is removed from my report entirely. 

There is an item they show on my report by the name of XXXX  ( acct # XXXX ), formerly under XXXX XXXX XXXX, which they are displaying with inaccurate dates, info, reporting as multiple entries with different origination dates, inaccurate status, and fraudulently showing this account as open on in collection when I have no unpaid accounts to my name. 

Transunion has made ZERO attempt to rectify this situation, and my FICO score with Transunion is a full 50 points lower than with XXXX or XXXX. 

I have contacted XXXX  and XXXX XXXX XXXX  and they concur that this is inaccurate reporting on the fault of Transunion. 

The handling and concern for myself with this matter on the part of Transunion has been appalling.

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 2015-05-20
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA mortgage which I think uses deceptive marketing techniques and fraud as a basis for concealing the total cost of the mortgage. First of all, there was no way to cancel my mortgage insurance despite my loan only being XXXX % LTV because I refinanced the mortgage for a lower rate and it has a mandatory 5 year MIP payment from the time of refinance regardless of the value of the home. We recently sold the house and now found out we have to pay the entire month 's interest despite closing on XX/XX/XXXX. This resulted in a charge of {$810.00} of interest regardless of closing earlier in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
* I was deceptively enrolled into the PayPal Credit Program without my knowledge. 
* I requested the Account be closed - PayPal Credit did not close it for 6 months during which more Fees seemed to accumulate. 
* I was billed erroneously and charged unexplained Late Fees. 
* I requested and was told I would receive documentation on these Fees at least XXXX times - I received nothing. 
* Their Collections people called and offered " pay off '' amounts but would NOT issue a letter indicating the " pay off '' would result in the matter being settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: Nelnet, Inc.
State: PA
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 have a Federal Direct Plus Loan. I have attached loan paperwork to show that it is on a Standard repayment with fixed monthly payments for up to 10 years with a fixed interest rate of XXXX %. I have been paying that fixed monthly payment of {$190.00} for 5 years, and received an email from my Servicer ( Nelnet ) XX/XX/XXXX, stating that after a periodic review, they had to raise my monthly payment so that I would be paid off within the remaining term. Although the increase was n't that much, I had never heard of this happening, nor did most people I asked. I called the Servicer, and the 1st XXXX reps I spoke with had no idea why, then I asked for a supervisor who was n't much help either, then asked to speak with his supervisor. I was given many explanations. First, it was a miscalculation or mistake, then I was told that student loans are different than regular loans, and they can basically do whatever they want as it is stated in the fine print. When I asked if I could see the paperwork with the mistake and that fine print, they said they would n't be able to as they service too many loans. They actually told me that they were saving me money because they do n't always find these mistakes until the end of a loan, and if people ca n't pay it in a lump sum, then they have to go into repayment. I will admit that I had a couple of late payments, which when I called to pay them, I was told that my account was in good standing, there would be no late fee, and they did n't even report late payments to the credit bureau. I asked the supervisor if these couple of late payments were the cause of this and he assured me it was not. I contacted the Dept of Education who put me on to an ombudsman who basically said this does happen ... but he 's not at liberty to give info about these Servicers, even though I saw a lot of negative comments about my Servicer on the internet. I wonder how much oversight the Dept. of Education has over all these companies they use to service their loans. I have XXXX other Servicers, and worry that this could happen to the other Parent Plus loans we have, or to my kids Stafford or XXXX School loans which would be far worse as they and all students struggle to pay off their loans without this even happening. I have been advised by many knowledgeable friends to continue to pay my old payment so that I am not agreeing to their new terms until this is straightened out. When I call to make my payments, I verbally tell them this and they say they are putting it in the notes. But now they keep calling to say I 'm past due. And XXXX agent said they might report me to the credit bureau which they said they did n't do. I would appreciate it if you could please help me with this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Credit Bureau Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Some unknown person used my credit card information for car service without my knowledge or permission. At the time the charges supposedly took place, I had no car and did not have driving privileges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: EdFinancial Services
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have student loans through a company that i make payments on monthly. However they have put late pays on my report and even put a 90 day late on when i still make payments monthly. I call them to pay them and complain about the late pays and they are very rude and unsympathetic even when it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

Sincerely, XXXX XXXX

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 2015-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
letter from EQUIFAX shows that XXXX acct # XXXX and XXXX account # XXXX were deleted from the credit file on or before XX/XX/2015.the letter is attached here. 
both accounts have reappeared on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fraud, Robo Signed Documents submitted to The Circuit Court of the XXXX Judicial Circuit XXXX County, Illinois on XXXX XXXX, 2016 case # XXXX XXXX XXXX. I have included a Certified Forensic Loan Audit with an Affidavit for my property XXXX XXXX XXXX, XXXX XXXX, Il XXXX. Shellpoint Mortgage Servicing and its council failed to review documents and files to establish standing and other foreclosure requisites ; filed notarized affidavits which falsely attest to such a review and to other critical facts in the foreclosure process ; and " robo signature '' of documents by parties and council. The wrongful filing and prosecution of foreclosure proceedings which are discovered to suffer from these defects may be cause for disciplinary and other sanctions upon participating council. 
XXXX XXXX XXXX Master Servicer Loan # XXXX, Shellpoint Mortgage Servicing - Loan # XXXX and its attorneys XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass Through Certificates - Regulated by the Securities and Exchange Commision. Note only one example of " robo signing '' and additional fraud is detailed are in the attached Certified Forensic Loan Audit, Assignment of Mortgage via XXXX, which is inactive but was submitted to XXXX County Recorder of Deeds by XXXX XXXX XXXX has XXXX XXXX signing on page 2 of 4 as Assistant Secretary of XXXX  and on page 4 of 4, has XXXX XXXX Signing as the Assistant Vice President of XXXX XXXX XXXX. I am request dismissal of case and Quiet Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX judgments on my credit report affecting my application process with future prospective landlords. The last name does not match mine or the addresses or date ranges and information that was provided by past landlords. XXXX landlord name I do not recognize but address matches to a location I lived XXXX years prior to judgement claim. Ultimately names and information do not match and also unknown.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax have reinserted previous deleted information that was deleted for more than a year back to my credit report. Also the refuse to grant me use or access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my personal credit profile that I am challenging as being inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. Because this filing was NOT a completed or satisfied action, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. By Consumer Law I have the RIGHT to know who the 3rd party entity that has reported this information as being verified in its accuracy. The Bankruptcy Court, a Federal Government entity has confirmed that they do not verify to the credit reporting agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My bank, TD Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. 

I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. 

This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. 

Any help you can give me will be appreciated.

Company response to consumer: Closed with explanation