BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
It is now over 3 years since i requested for a XXXX Short Sale on my mortgage account, Chase has been playing games telling me that they are reviewing my file. 90 days later they respond back to me telling me that the file was declined becuase the negotiator forgot to place my file under review. Now i have to reapply all over again. 

IT IS NOW 3 YEARS since Chase keeps doing the same thing, as of last month Chase told me that the file was delayed becuase my previous realtor and i needed to hired a new realtor if i want them review my XXXX Short Sale request. Now that i hired a new realtor Chase is refusing to review my application and they have placed a foreclosure sale date set for XX/XX/2015. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX my husband at the time, XXXX, purchased a XX/XX/XXXX XXXX At the time of the purchase, XXXX was a XXXX. We financed the vehicle with the military program JP Morgan Chase Bank NA had available. My name at the time of the purchase and repossession was XXXX XXXX XXXX. The address of the repossession in XX/XX/XXXX was XXXX, XXXX Colorado XXXX. 

In XX/XX/XXXX my XX/XX/XXXX XXXX was improperly repossessed by JP Morgan Chase Bank NA. In XX/XX/XXXX, I received checks for {$10000.00} and {$600.00} as well as a letter explaining that the vehicle was illegally and improperly repossessed. The check for {$10000.00} was reimbursed for the payments that were made over the course of the life of the loan. The check for {$600.00} was for the inconvenience of that action. In the process of gathering my tax forms for XX/XX/XXXX I received a XXXX form for the XXXX checks with total " income '' showing as {$10000.00}. I am at a loss why I am being taxed on a refund when the money that I had paid on this car was after tax. This has caused even more hardship than when the car was first taken. I am now paying taxes again for something that was not my fault and I should not have further repercussion for the banks misconduct. Had this XXXX been for the check for {$600.00} ( Lower amount ), I would understand as that money was income above and beyond what was paid on the vehicle. 

The impact this has on me for this tax year is that instead of getting a refund of {$1300.00} from the IRS for XX/XX/XXXX taxes paid in, I now owe {$180.00}. This needs to be remedied on your end as this issue was your error that precipitated this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Costco is changing their affiliated credit card from XXXX XXXX to XXXX XXXX. While I understand and appreciate that this is intended to generate more benefits for customers, the reality is Costco will ship a Visa credit card without asking permission of the customer, and providing no ability to opt-out. Having the affiliated credit card is not a prerequisite of membership. On a call today ( XXXX/XXXX/16 ), Costco confirmed that the card will be mailed, even if the account were to be cancelled. This despite the card is not valid until XXXX/XXXX/16 ... 10 weeks from now.

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 2015-06-17
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted our packet to Ocwen via XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They asked for additional documentation on XXXX/XXXX/2015. We provided requested documents on XXXX/XXXX/2015. As of XXXX/XXXX/2015, Ocwen is showing a complete financial package. Our housing counselor, XXXX XXXX with XXXX XXXX, has been in communication with Ocwen in regards to our file. In XXXX 2015, we became concerned because we were past XXXX days and still had no decision. We were told that we were waiting for a response from our investor, XXXX XXXX, and that it can sometimes take up to XXXX days for a decision. XXXX kept up contact every XXXX business days with Ocwen. As of XXXX/XXXX/2015, our last communication with Ocwen, we are still pending a decision. Our complaint is in the fact that it has been XXXX weeks, and we still have no decision. We have also submitted an escalation XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New modication in place, concern about fees paid by consumer for legal representation, DTI, NVP, and catastrophic illness of child in home, as a hardship, having explained this to previous loan servicer already, and having new laws in place, I would think my individual issue with home retention, asking for QWR for payment and other mortgage faults generated on servicer end looked at, the statements having been sent to my home asking for almost XXXX when the prior servicer poised to offer a workout after being turned down 3 times for a modification buy offered an in house mod after forced into a chapter XXXX, allowing my attorney steer me into a decision to convert to a XXXX, decided with other legal advisor a XXXX is where we were better off, but servicer asked for a XXXX increase, now the second servicer is asking for a XXXX increase as a XXXX tier XXXX is placed with a Balloon expected at Maturity but no correspondence with actual and all specs are explained transparently for what reason, not to benefit me it seems, with their saying they are here to help etc. etc, but monetary figures throughout structure does not seem to add up. As I said, increases to XXXX from XXXX now to almost XXXX is XXXX more between the XXXX servicers sharing same office space in XXXX XXXX XXXX Florida. XXXX payments they are saying are owed, on second mod, but first mod all payments were met with concern where they were allocated, XXXX XXXX XXXX XXXX XXXX XXXX, keeping current mod to become current seems is needed , but DTI and NVP were not a concern in my opinion to help my entire portfolio of debt and prosperity servicer has not asked me transparently XXXX on XXXX. Factual amounts of mortgage payment is not correct. Investor selling off its mortgage notes and servicer selling off its servicing rights leads me to be vigilant and concerned about changes happening in the set up of repayment and XXXX senario with statements sent to home now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received damage to my property. My insurance company issued a claim check for the damage, addressed to me and my mortgage company ( Ocwen ). I contacted Ocwen and followed precisely the instructions they provided to get the check endorsed and returned to me. I also included a written letter including address, loan number, and the desire for expedited service, along with a {$15.00} personal check for expedited return service. I never received the check back. My personal check was cashed, but when I called customer service about it, they said I did not send a personal check and that they endorsed and mailed the check via USPS. That was more than a month ago. I emailed them and faxed a copy of the cashed check. They continue to claim that I did not pay for expedited service and that the USPS lost my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this bill about 2 years ago and it is showing on my XXXX file that it is still in collections and my XXXX file is correct showing that I paid it and is off my file. I tried calling revenue recovery to explain the situation, but they said that it is closed and that I would have to call XXXX to clear it with them. I called XXXX and they are asking me security questions that I have no idea about so they ca n't do anything for me but to fax a copy of my id and social security card and to explain the situation. I 've been having to deal with this for awhile now.

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 2016-04-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other fee

Complaint:
Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BlueChip Financial
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a complaint from my mortgage company that the monthly payment for my mortgage loan has not been received for two months and if not received my house will go into foreclosure and i need to submit two payments including late payment fees immediately. I pay online through my credit union and when I check the monies have been deducted from my account on time. So I call the mortgage company and tell them that according to my checking account that they should have the money and their should not be any late fees. The representative tells me that even though my account may have paid the company may not have received the payment on time. I asked if they received the payments and he stated that my account has not been paid yet. So I contact my Credit union who tells me that the issue was handled by a phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to consolidate multiple of my student loans into XXXX loan. All were accepted aside from ACS Education Services. I was told that the release of the loan was not accepted due to the fact that ACS was " reviewing '' my loan for the most updated information and fees applied. I was also told that the loan would be released once the " process '' was completed - this was XXXX 2016. Months later, I submitted a XXXX request to push things forward. I am being told that things are on hold yet again for the same reasons - XXXX 2016. My request to speak with a manager was denied and I have no other way or options of pushing things forward before the deadline to add loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance and it was consistently mishandled by the loan processor XXXX XXXX. When i applied for the loan with the loan officer XXXX XXXX he called customer service to stop my automatic payments that were being directly debited from my checking account. He gave me a closing date in XXXX. I was told that i would not make a mortgage payment for XXXX or XXXX and in XXXX my auto drafts would be turned back on by customer service. I was not notified of a closing date change. I was concerned because I did n't receive any closing information. On XXXX XXXX i emailed XXXX XXXX to ask what the status was she told me my new processor was XXXX XXXX. She forwarded my email to her. A week later she emailed me after my propose closing date and told me to make payments until i get closing documents in the mail. XXXX XXXX I contacted her asked for the status she told me my closing date was XXXX XXXX and not to pay XXXX mortgage it was already factored into the loan. She never contacted me to give me my new closing date. I informed her i already paid that month she advised my choices were to have my bank return the payment or they could return it after closing. I had the bank pull the payment back. I went To closing on the XXXX as planned. On XXXX XXXX they called and told me the loan was disapproved because i had a 30 day late on my account because my payment was returned. I would not have pulled they payment back if she did n't give me the option. I should n't have been given a 30 day late i closed before the payment was 30 days past due. She also told me the XXXX mortgage payment was already factored into the loan for the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Credit Adjusters has been repeatedly contacting my husband asking for XXXX XXXX ( not his name ) on a debt that is not his, nor is it mine. This debt was previously with another collection agency and it was proven to not be mine and was removed from my credit report. It was sold to National Credit Adjusters in an attempt to collect money that I do not owe.

Company response to consumer: Closed with explanation