BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Today, on XXXX XXXX, 2016, I shopped at the Target store located on XXXX in XXXX, California. While waiting in line to make my purchases, I heard the cashier ask the young man in front of me whether he wanted to apply for a Target Red Card ( credit card ). The young man said he was XXXX years old. He was unaccompanied by a parent or guardian. The cashier then asked a co-worker if that was old enough for a Red Card and was told yes. She then began processing his credit card application. I told the cashier that I myself was the parent of a XXXX year old, and that I would be upset if my daughter was getting a credit card without my knowledge. The cashier replied that she was required to obtain a certain number of new credit card applications per month, and that she got in trouble if she missed this quota. I told the cashier that I did n't think it was right to ( 1 ) provide credit cards to minors ; and ( 2 ) for Target to pressure its employees in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is the 5th or 6th complaint on XXXX/Altisource for this fraudulent behavior. Can you please, please investigate. It continues and it gets worse! 
The house has been improperly and illegally foreclosed. 
Stolen payments, from Chapter XXXX, many different servicers, and in-house modifications. 

NOW THE NEW PROBLEM ; I HAVE A RELOCATION AGREEMENT THRU ALTISOURCE TO VACATE BY XXXX XXXX AND RECEIVE {$4300.00} TO AVOID EVICTION. I HAVE 4-5 E-MAILS CONFIRMING, ON SATURDAY XXXX XXXX/ALTISOURCE EMBARRASSED ME AT HOME IN FRONT OF MY NEIGHBORS WITH A CONTABLE SERVING ME AN EVICTION AND COURT DATE. 
How can this happen in America? This was a malicious act and done purposefully by the some or all of the above parties. The money ( XXXX ) is a drop in the bucket to the amount they have stolen, insulting completely. The amount stolen of the payment history and trustee report is XXXX XXXX. The amount added to modification is approximately XXXX ( un-justified and never explained ) NOW COMES COURT DATES AND XXXX TAX ISSUES. 
I will attach emails.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was behind on mortgage due to my health and knee problem. I could not work and I have submitted to lender the request for mortgage assistance to keep my house. Lender had got the RMA but they did not do anything to me and my agent has been contacting lender but no result. They cancelled the notice of default however they sent me the notice of sale on XXXX/XXXX/2016. My agent has contacted Chase for more information but the representative from the Chase could not answer or get back to her anything. I need them to help to me review the application and provide correct information. They dont even want to give me or my agent update for request for mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called Wells Fargo to tell them my account is in the negatives and if I could get a pause on my overdraft fees. Was told they can not do anything and I am continually charged

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 monetary relief
Consumer complaint received 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
: :Addendum to case # XXXX : : Bank of America states the note was transferred to XXXX ( XXXX ), as XXXX APR, XX/XX/XXXX. If this is true, the deed to the property reflects the mortgage was satisfied by Bank of America, NOT XXXX. I have attached the deeds in regards to Bank of America. XXXX ( XXXX ), is mentioned nowhere in the deeds. Also, let it be known I have provided a copy of my drivers license, as well as official government mailings, proving my mailing address as of XX/XX/XXXX. My attached proof of address is well before the alleged transfer date. Also, let it be known, my address was NOT changed in XX/XX/XXXX, as Bank of America stated. Also, the addresses provided by Bank of America are of a generic nature, as there are multiple XXXX, as well as XXXX. There are no city, state, or proper zip code attached, which means I did NOT receive any mailings. Also, Bank of America claims there was not foreclosure proceedings conducted. There were XXXX XXXX notices issued in both XX/XX/XXXX, as well as XX/XX/XXXX. Reason being is Bank of America was the second mortgage. XXXX was the primary ( first mortgage ). XXXX refused to subordinate the second mortgage, which meant the property could not be refinanced or sold. This is why the property was disposed of via short sale. I have provided your own words in an attachment, as well as identification and the deeds.

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 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a " Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the " Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't

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 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have information that states that Bank of America purchased my mortgage loan from XXXX XXXX XXXX XX/XX/2006. I have filed many complaints and send communications to Bank of America to get all the information regarding this transaction but I have never received any response with said information. All entities keep giving me the runaround which confirms my allegations that no one really knows who owns my mortgage and note and all my documents are fraudulent. I am attaching Debt Validation Letter, QWR, and documents showing Bank of America purchased this loan in hopes that I can finally get some answers. I WANT ANSWERS AND I WANT SOLID CERTIFICATED PROOF OF WHO OWNS MY LOAN.

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 2016-07-29
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fleeing XXXX husband, I left my home and started over. My husband remained in the home with all possessions. XXXX would not aid in the return of my possessions or childrens possessions. This was in XXXX. In XXXX, my husband had me sign a paper saying I no longer provided income in the household so that he could modify the mortgage agreement. To my knowledge all was paid and fine. In XXXX XXXX I find out my husband has moved from the home and there is a for sale sign in the yard. I called the realtor and asked had the bank taken the home and what was going on. The realtor could not tell me any information. Although the for sale sign was in the yard, she did not know anything. She stated the locks have n't been changed and she assumed someone was still living in the home. I called Chase Bank ( mortgage company ) and spoke with them. No information on foreclosure but the taxes had been paid. I went to the court house later in XXXX and looked at the file on record. Therr was minimal information and I did not understand the material due to a XXXX XXXX XXXX. I recently went back to look at the file again. There are now a stack of documents in the file dated for XXXX that were not in the file. I found it odd that notaries from surrounding states were used and the notaries were employed by the law firm agency who was the substitute trustee on the house. I do not understand these papers. My home was sold for XXXX and the loan was for XXXX, yet the tax value is XXXX. I 've believed this to be a scam from the beginning. Also, I was not properly notified of the forclosure. The file now contains a form saying my copy was left with my husband, who did not inform me of the foreclosure. These forms were not in the file previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear Bank of America I received response to complaint XXXX The response is confusing and raised more questions Bank of America response mixed XXXX different loans and properties that are not related except by my name, mailing address, phone etc.- which raised more questions XXXX XXXX, XXXX Declaration by XXXX XXXX Here are the questions XXXX XXXX signed XXXX XXXX, XXXX Declaration of Diligence to reach me- How did XXXX XXXX try to reach me? 
Bank of America has confirmed based on response I had XXXX loans with Bank of America - with same name, address, phone number I was talking to Bank of America every other day to complete modification in which I was told my XXXX assigned representative would be responsible for completing both home loans modifications - when the new provisions were put in place to modify second home mortgage XXXX XXXX - at no time tried to reach me - my mailing address, and phone number is the same to this current date. 
XXXX XXXX - should have been able to contact my modification representative whom also worked for Bank of America Regarding XXXX XXXX Letter XXXX XXXX, XXXX the letter states the foreclosure was XXXX XXXX, XXXX - XXXX XXXX sent XXXX XXXX XXXX, XXXX XXXX I wrote back to XXXX XXXX and explained the XXXX from XXXX XXXX was not in envelope XXXX XXXX wrote back and stated XXXX XXXX did not acknowledging XXXX XXXX, XXXX foreclosure XXXX only XXXX XXXX, XXXX - XXXX with no explanation- stated DO NOT SEND ANY MORE QUESTIONS Bank of America - you attached XXXX - XXXX and XXXX- XXXX - where are the XXXX ? same as XXXX XXXX and did not attach neither XXXX 's. XXXX XXXX states foreclosure XXXX from XXXX XXXX and XXXX XXXX - and XXXX XXXX would not explain why there are XXXX XXXX. 
My question to Bank of America is why are there XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX Explain and attach XXXX 's with next response The Fair Debt Collection Practice Act does not support deceit, trickery, misrepresentation etc.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am currently in a program that has never been explained to me and am not paying anything back bc my income is so low. I would like a better explanation of the program I am in and how I am supposed to pay my loans back by a real person who XXXX as as their first language who has more understanding than I do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Bank Of America and asked them if I can split my mortgage payment into 2 payments sent in at different times during the month. They agreed. Earlier this month I sent in half my amount due, with the other half being sent next Friday. Today I got a letter from Bank of America stating that they took the funds I sent and applied it to an applied funds account, which means they do n't show me as having paid anything

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 2015-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Issue: Cash advance

Complaint:
After using the service XXXX for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Bank of America has recently ( XXXX, 2015? ) reclassifed XXXX as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional {$10.00} fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such additional financial burden - it is the family of the prisoners who pay this fee, not the prisoners who are already being punished. Just to illustrate : My {$100.00} transaction was charged {$6.00} fee by XXXX ( which I was aware of ) then the credit card company charged an additional {$10.00}, then it is treated as a Cash Advance with 25 % interest on the TOTAL amount of {$100.00}, so more than {$25.00} in interest. I 'm not great at math, but I believe that puts the transaction at about XXXX cents on the dollar. The credit card companies do have a choice in how the classify these transactions. Please look into this matter. It is wrong on so many levels. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged an overdraft fee of {$35.00} on XX/XX/2015. The payment that caused my account to be " overdrawn '' did not post to my account on XXXX/XXXX/2015, after a cash deposit cleared the account. My account never had a negative balance. When I called the bank, they refused to credit me the NSF fee stating that the payment was processing. I was only able to speak with the bank via chat session. I have a copy of the transcript of the chat session.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is in follow-up to CFPB Complaint Number XXXX. 

The response from Bank of America does not address the original complaint. While Bank of America can release the joint account information ( accounts ending in XXXX and XXXX ) to the other co-owner of these accounts, I did not give Bank of America permission to release my personal account information ( accounts ending in XXXX and XXXX ) to any third party and Bank of America has not proved otherwise. 

My disputes with Bank of America 's response are as follows : 1 ) Bank of America provided a signature card for the account ending in XXXX showing joint ownership for this account. This fact is not in dispute. Bank of America did not show signature cards for the accounts ending in XXXX and XXXX which were personal accounts opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
2 ) Bank of America provided a Deposit Agreement and Disclosures document, effective XXXX XXXX, XXXX. The accounts and bank statements in question were all opened at the same time in XX/XX/XXXX. The XX/XX/XXXX rules were not in effect in XX/XX/XXXX. 
3 ) The consolidated statements that list all XXXX accounts was created by me for my personal convenience, doing so did not Bank of America permission to release private account information to any third party. The consolidated statements were addressed and mailed to me monthly XX/XX/XXXX through XX/XX/XXXX. These consolidated statements were never shared with the co-owner of the joint account because that person was not entitled and still is n't entitled to my personal account information, doing so eight years later is a breach of identify theft. These consolidated statements unless redacted of all personal financial information can not be now sent to a third party, eight years later without my consent.

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 2019-05-28
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient added {$700.00} to each loan original amount and plus increased my interest rate on a couple of loan to 10.25 %. Payments have not been calculated accurately.

Company response to consumer: Closed with explanation