BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX I received a phone call from Chase Bank. I looked up the number to make sure since I didn't know the number. Once I answered the call the women said she was calling from Chase Bank ( forgot her name unfortunately ). She informed me that she was calling because they received an alert that my account was flagged for fraud. She told me my card had been used at a XXXX XXXX in XXXX for {$140.00} ( this has never happened to me, but I believed her due to calling me from the bank ). She already had my information and then told me she was going to send me a verification code via text ( chase text number ). I gave her the code, she told me she was mailing my card to my XXXX XXXX address and it would be there in 7-10 business days. Once we hung up I checked my email and noticed that I had an email saying my card was successfully added to my XXXX XXXX. I thought that was really odd, so I looked at the code she sent me again. Sure enough it was a code to add my card to her phone. I checked my savings account and she took a total of {$1400.00}. One withdrawal of {$500.00} and a {$200.00} ; then nine {$80.00} 's. I called the number she called me from back ( which was Chase Bank ). Explained to them what happened and they said it clearly wasn't true. Turned off my card and said they were mailing me a new one. They said she did it through XXXX XXXX at the ATM machine. I told them she had all of my information and she called me from Chase Bank. I am having to dispute this with the bank still ( they just denied my claim ). They credited my account today XX/XX/22, but told me they are taking the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via XXXX regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least XXXX per month depending on what our house appraised for. They took a payment from me of XXXX including XXXX for the appraisal and XXXX for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter " rejected ''. I was never notified that the appraisal was rejected. XXXX said that she called my cell phone XXXX. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole XXXX from me by taking an application fee that they never intended to do anything with and XXXX for a worthless appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am concerned that my loan servicing company SPS ( Select Portfolio Servicing, inc. ) is purposely delaying my loan modification process in order to prevent me from qualifying for the program before it ends in XX/XX/XXXX. I have repeatedly been told that my application is incomplete and asked to provide information that was already provided. They do not notify me that documentations are needed at the time, I have to follow up regarding status only to find that it is on hold because they are awaiting information ( generally that they already received. ) They are also now requesting that I produce a " new '' rental agreement for a XXXX property I own to prove income. I showed them the original lease that clearly shows a switch to month-to-month tenancy after it expires. The same tenant has occupied the residence for years and it is not reasonable to ask him and HUD to execute a new agreement since we already have an implied month-to-month per the original lease. HUD ( which is a government agency ) accepts this as an agreement and pays us based on it. In addition, the servicer has my tax returns and bank statements that clearly show the rental income ( which is at a loss so has no bearing on the loan modification. ) In addition to documentation from HUD with the breakdown of what they pay and what the tenant pays which can be verified by tax returns and bank statements. This is a clear and sufficient paper trail but they are staying it is not because the lease eludes to a new written agreement. Reverting to month-to-month tenancy after lease expiration is standard practice in the industry and the document is worded accordingly. In addition, this is a legal real estate document provided by XXXX so we can concur that it is worded to be enforceable by law. This modification was started over 4 months ago and is being held up for frivolous reasons. I have also only just learned that the program shuts off in XX/XX/XXXX so if my application is not complete by this date that I will not be eligible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: STME LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have signed a contract stating that, the seller of the property I am buying can refuse unreasonable offers, over the specified monthly payment. I have placed my home on the market and am in escrow. I have been told, as well as the title company that the home ca n't be sold, if she refuses. The reasoning is due to taxes that would have to be paid for capital gains. I have consulted an attorney - been advised that this is very close to crossing lines, since the seller is an attorney who is selling homes, loans money, etc. Multiple emails have been sent to the seller, with no response ; until pay off information was requested by title company. I was told that if she knew I was going to end up selling, she would have charged me more to buy the house. I had previously requested a home equity loan, and was given a XXXX separate loan, so I am now paying additional interest on the home. Apparently, because this person does n't want to pay additional taxes, I am not able to sell my home, obtain my equity so I can move on in my life. She is expecting all of the people who are under contract with her company to stay in their for 30 years at a high interest rate, rent the home out, have someone assume their loan, or give the property back, so that it can be resold at a higher rate. The homes are as is, I have found out that there is an oil tank in my back yard that has not been decommissioned, and the house is over XXXX XXXX XXXX, so I am not the first buyer of this property. Also, I have recently found out that paperwork has not been filed, showing proof that I am currently purchasing the property. When I did have someone who was interested in assuming my loan, the current seller wanted to charge me {$350.00} to file the paperwork. According to the title company, nothing has been filed on my home purchase and I have lived in the house, paying taxes for the past 5 years. The list goes on and on.

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 2015-08-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had an account with BB & T since before XX/XX/2007 with no fees. I had no activities so I rarely looked at my account statement. After 8+ years of no fees some time this year my account has been assessed fees greater than {$100.00}. I feel it bad practice and possibly against banking regulations to arbitrarily begin feeing a customers after years of no fees. 

I made no changes and was not notified of the new fees placed by the bank. With the XXXX XXXX scandal I want to make you aware to make sure your bank is not following the same path. 

I feel I was robbed of my money just like a bank robber now it seems the bank is the robber.

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 2015-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call 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 2017-04-28
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are processing a short sale with PNC. On  XXXX   XXXX ,  2017 , I spoke with  XXXX   XXXX  at PNC, requesting a status as to the acceptance of our short sale offer. She informed me they are submitting to Investor end of this week and they will have an answer within seven days. On  XXXX   XXXX , I called PNC and spoke to  XXXX  ID #  XXXX . She said they had sent letter out on  XXXX / XXXX /   17 sta ting they were waiting on answer from Investor and would have an answer within 30 days. On  XXXX   XXXX , I called PNC and spoke with  XXXX   XXXX   XXXX   XXXX . She said the file is active in loss mitigation, they believe they have everything they need, sent to and waiting on answer from Investor. No decision yet. Just suggested calling in weekly, or if we want, twice a week. On  XXXX   XXXX ,  2017 , I called PNC, and spoke with  XXXX  ID #  XXXX . She said still no answer from Investor. They have gone passed the 30 day window. After that, they had issued a denial based purely on no answer from Investor. They then re-opened it with Investor, trying to get an actual answer. It stays formally as denied until they get that answer. It is unacceptable for them to refuse to issue an actual decision based on the merits of the offer due to not hearing from THEIR clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. 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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE ADDRESSED THESE UNAUTHORIZED INQUIRIES WITH TRANSUNION & CURRENTLY SEEKING VALIDATION FOR THE UNAUTHORIZED INQUIRIES, I HAVE NO CLUE WHY THEY ARE ON MY REPORT & I AM ASKING THAT THEY ARE REMOVED IMMEDIATELY, I AM ALSO PURSUING 1ST TIME MORTGAGE APPROVAL WHICH THESE UNAUTHORIZED INQUIRIES ARE HINDERING

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 2016-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
In XXXX of XXXX after being contacted multiple time by American Express with offers and calls to switch my XXXX branded American Express card opened in XXXX XXXX to a XXXX card because of the upcoming end in XXXX and American Express ' agreement. Eventually, I called American Express sometime around late XXXX or early XXXX XXXX to do this change and ask some questions about account history. A friendly representative informed me that upon switching to the XXXX XXXX XXXX XXXX my account history would be retained and the card would n't affect my average age of account because it would back-date to XXXX XXXX to match my XXXX card. For the past year I thought everything was fine as my new XXXX XXXX XXXX read " XXXX since XXXX ''. However, I recently requested my credit reports from XXXX and XXXX and realized that the American Express XXXX XXXX XXXX card had reported as opening in XXXX XXXX. Realizing that American Express had made in error in my credit reporting according to the promises made by the representative, I contacted them on XXXX XXXX, XXXX to find a solution. After speaking with XXXX customer service and the credit bureau department at American Express, I was allowed to open a dispute about the error so they could investigate if I was given incorrect information so that the proper date could be reported to the bureaus. This dispute was opened with XXXX in the XXXX XXXX XXXX office ( extension # XXXX ). On XXXX XXXX, XXXX, I spoke with XXXX ( ext. # XXXX ) who said the dispute was still being worked on and that he would make note that I was hoping for an update. On XXXX XXXX, XXXX I spoke with a supervisor named XXXX who informed me that while I had been given incorrect information upon opening the card they were unwilling to fix the error. I called again on XXXX XXXX, XXXX and spoke with another supervisor XXXX ( ext. XXXX ) who after acknowledging again that the case I opened on the XXXX of XXXX had found that I was given incorrect information about the backdating of my XXXX XXXX card, was unwilling to fix the error. XXXX even asked that if I had been given proper information if I would have still opened the card in XXXX of XXXX. I promptly answered no but again he was unwilling to correct the error. I feel as if American Express performed a " Bait and Switch '' by promising me something in order to push me to open an account with them, only to renege on their promises and refuse to correct their errors.

Company response to consumer: Closed with explanation