BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Went to refinance my home loan depot called me so I applied for loan. I told them than I was involved in modification. They took my money of XXXX and told me I was fine. Lead me on for two months. I finally called them back many times always blown off with different excuses. Now in the mean time I spent XXXX for bug inspection also. I'm a XXXX Veteran who is on a very fixed income. They never once called me or told me that because of my modification I wasn't eligible for loan. I finally called texted email them many time after it had been XXXX months of time. A XXXX finally called me and told me the news after trying many times to see what the hold up was. I feel they took advantage of a poor XXXX Veteran. Also told me they put in for a refund because the XXXX thought they should have caught the problem but they never refunded me my money. I feel severely mistreated lied to and also stolen from it was just wrong. I just hope that I can help other veterans not to be scamed like I was by loan depot. Please advise how to handle this problem so it doesn't happen to other older people and veterans. Thank you so very much. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: FL
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 HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, XXXX AND EQUIFAX TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, called to product change my Chase Sapphire Preferred credit card to a card that does not have any annual fee associated with it. During the call, representative advised I could change to one of three cards. The card ultimately selected was the Chase Freedom Unlimited credit card. However, on XX/XX/2022, upon receipt of card, i noticed the card as the Chase Freedom card, not the Chase Freedom Unlimited card I selected. Upon calling the number listed on the back of my Chase Sapphire Preferred credit card, the representative said there was nothing that could be done to change the card to the Chase Freedom Unlimited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: GREAT LAKES
State: CA
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:
Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.

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 2022-03-14
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We bought and closed our house on XX/XX/XXXXXXXX  through a conventional mortgage via Mortgage company : Dovenmuehle Mortgage , Inc . Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. 

Our monthly payments also included PMI ( mortgage insurance ). Over the last few months, we have made additional payments towards the principal to bring down our outstanding balance to 75.06 % of loan to value ( LTV ). In addition, the monthly payments have been on time with no delinquencies. In the month of XX/XX/XXXX, I called and requested cancellation of PMI. 

The XXXX tax form 1098 issued to me clearly states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property ''. 

I received a letter dated XX/XX/XXXX stating that I meet the requirements, however I must order a new appraisal which would cost me about {$750.00}. I called the company on XX/XX/XXXX, they said these are based on rules by HUD ( Housing and Urban Development ) and transferred me to them. HUD however states they only deal with FHA loans and not conventional loans. Dovenmuehle continues to give me the run around making me pay {$75.00} per month for PMI. 

It has been less than 6 months since the initial appraisal, it does not make any sense on why should we waste money on another appraisal. Also, the company refuses to tell me at what LTV will they automatically cancel the PMI without requiring another appraisal. 

This is clearly a case of exploitation of the consumer. Please help! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I called TD Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is against Planet Home Lending. We took a forbearance in XXXX for our mortgage. They accepted our forbearance but marked our credit reports as late throughout the entire time of the forbearance. I inquired about this and was told that we were not current in our mortgage payment in XX/XX/XXXX due to a returned check. We weren't current but they still took us for forbearance. I also was told that when we did the Loan Modification in XXXX of XXXX we had not brought the payment of {$1100.00} current so the late payments had to remain. 

My husbandXX/XX/XXXXduring the covid pandemic, and that was XX/XX/XXXX. I didn't realize we had a returned check until months later. I thought that since they accepted us for forbearance we were current and in good standing. 

We made the payment of {$1100.00} to make up for the XXXX late payment in XXXX of XXXX. Planet Home didn't acknowledge that we made that payment and indicated in a letter to me that we were behind in our payment of {$1100.00} at the time of the Loan Modification which isn't true. I have spoken with representatives at Planet Home Mortgage about them saying we didn't make up that payment when we did and was told it didn't matter. 

Planet Home Lending knowingly granted a forbearance to us when they knew we were not current on our mortgage it appears to me. 

It was several months of getting my husband back healthy after hisXX/XX/XXXXand XX/XX/XXXXXXXX. I can document all of this if needed. 

So in short, Planet Home Lending granted forbearance knowing we were late in XXXX with a returned check. When I inquired about the late on the credit reports I was told we had not made up the late for XX/XX/XXXX of {$1100.00} BEFORE the loan modification of XX/XX/XXXX. That is not correct. That late was made up in XX/XX/XXXX. 



Thank you.

Company response to consumer: Closed with explanation