BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower is deceased and the Estate needs communication with the mortgage company. However, the mortgage company continues to deny receiving the authorization letters. Several attempts to preserve the estates interest have been rejected and now the property is scheduled to foreclose. The estate sale of the real property would pay the mortgage company in full and the equity would be issued to the heirs. The mortgage company is Chase. There is no reason to foreclose on the property especially since foreclosing would deprive the heirs of their equity. It 's a simple probate with XXXX real property asset to sale. The necessary time needed is 3 months or less and the administrator would make mortgage payments until the close of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Paragon revenue group reported a debt to creditors prior to notifying me of the attempt to collect a debt, and willfully admitted it during our conversation in an attempt to resolve the issue. Customer service rep XXXX and customer rep XXXX were both EXTREAMLY in professional to me, my wife, and failed to put me in contact with their supervisor in an attempt to pay my debt in full. They both used deception and un professionalism to conduct themselves. It was the worst experience I have ever had with a company.

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 2016-12-06
Company: PMAB,LLC
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to transunion for the removal of the collection company ( XXXX XXXX XXXX ). After allowing time for the removal this hasn't happen. Last year this company and I reached a solution which lead to its removal. I ask for that to be the solution again since the dispute was to no avail.

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 2017-01-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-02
Company: Westlake Services, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX 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 2015-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I discovered unauthorized charges on my bank statement and reported them to Chase and filed a police report. While the fraud began with a single {$5.00} charge in XX/XX/XXXX, there was XXXX charges totaling {$1300.00} XX/XX/XXXX that caught my attention. 
XX/XX/XXXX I closed this account and reopened another account with the same bank. 

Today I followed up with the bank and I was told that even though this unauthorized charge was reported within 60 days of occurring, they were not going conduct an investigation or credit my account because the initial fraud of {$5.00} occurred and went unreported XXXX. ( I was informed I needed to pay better attention to my statements ) This unauthorized transaction occurred using a guest account with XXXX, who quickly identified and flagged their account as fraud, froze the funds and let me know the funds can be recovered, although I have to go though my bank to initiate the credit. 

Is this accurate? Can a bank not investigate an unauthorized charge to your account because that same company fraudulently charged your account an insignificant amount outside their 60 days reporting window?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Bread Financial Holdings, Inc.
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had an ongoing issue with Chase pertaining to a late payment incurred on my credit report for a missed payment for XXXX 2015, which reported as a XXXX 2015 late payment. The late stems due to the mistake of the booking keeping service I hired to pay my bills ), who failed to submit a payment to Chase, while at the same time sent m a month end statement that showed Chase had been paid. Hence I was not aware of the missed payment. I paid the account soon as the delinquency was brought to my attention. I had called Chase and was asked by them to send them proof of this error and in turn they 'd remove the late payment under the fact that the late was due to a " 3rd party error. 

I not only sent them the letter from the book keeping service, but I also sent them a copies of my XXXX XXXX bank statements, which showed I had over {$230000.00} at the time of the missed payment ( see attached statements ). 
Chase however responded back, by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally, another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error, and XXXX was more than willing to remove the late payment when I presented my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called Navient on XX/XX/2017 to advise that I had lost my job and wanted some options for repayment. They offered to put me into forbearance for 2 months, which they only did for one. I have another Federal Student Loan that is handled by My XXXX and I made the same call to them, and their representative XXXX told me about the Income-Driven Repayment plan and sent me the application and talked me through all of the steps and benefits. XXXX also talked me through the Public Service Forgiveness Program, which I greatly appreciated and he spent over 30 minutes on the phone with me. Further, XXXX explained that I could benefit by consolidating my loans, and also that if I did so I could choose a loan servicer. These were all things I did not know about. 

I called Navient back on XX/XX/2017 and their representative, XXXX, talked down the Income-Driven program and tried to steer me away from it and was not helpful. Additionally, she denied that Navient had only given me one month of forbearance, and while we were on the phone she corrected it to two months, as evidenced by the emails and updates I received while we were talking. I was not offered any helpful information about the Income-Driven payment option ; rather, XXXX told me that my monthly payment would INCREASE by {$1.00} per month if I went into that program. I felt like I was being bamboozled, as XXXX also appeared to try to discourage me from using the Public Service Forgiveness Program. I am currently working to consolidate my loans and will choose My XXXX to service it, despite the fact that the interest rate is a bit higher, but Navient should be called out on how they handle customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: RoundPoint Mortgage Servicing LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me.  I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help.  But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date.  This property has been in my family for XXXX years, and I can not let it be foreclosed on!!

I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly.  My interest rate is currently at 6.625% and will soon be at 7.25%.  I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income.  The problem was that my mortgage payment was going up as well as the cost of living etc.  I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information.  After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines.  However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas.  A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house.

I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions.  I am here to tell you that this is still a problem.  I want to save my home.  I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.

Company response to consumer: Closed with explanation