BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.

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 2016-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
Re : Chase Bank, XXXX XXXX XXXX, XXXX IL XXXXEarlier this year my son ( XXXX years old, no job, no income ) and I walked into this branch, where my wife and I have all of our accounts. My son requested a credit card, and the " banker '' asked me what my household income was. I asked my son to turn around, and I whispered to the " banker '' that it was in the " XXXX figures ''. I told the " banker '' that I would not be a signer on my son 's credit card account, not as a co-signer, not as guarantor. The " banker '' assured me that I would not be responsible for his account. The banker DID NOT explain to me AT ALL that the " household income '' number that I gave him VERBALLY would play a major and primary role in determining the credit limit that they granted to him. I left the branch and my son stayed with the " banker '' to complete the application. I did n't sign anything, nor was I given any disclosures. 
A few days later my son received the Chase credit card in the mail with a {$33000.00} credit limit!!! 
YES, that 's correct A XXXX XXXX XXXX DOLLAR CREDIT LIMIT for a XXXX year-old who has no job, no income, and NO ASSETS. 
As far as I am concerned the " Banker '' who filled out the application committed fraud because he did n't disclose to me the purpose of the " household income '' number and did n't tell me that it was going on the application. 
I consider the action by the bank to be predatory, outrageous, but unfortunately, I 'm not surprised at all. Chase wants him to run up a large balance, charge him 20 % interest and then he will be servant to him for the rest of his life. Another bank being such a good corporate " citizen '' helping a XXXX year-old start his life in the hole .... 
Today, my son told me that he has a {$5000.00} balance, does n't have the money to pay it, is very depressed over the issue and had not be able to concentrate on his life for the past month or so. I called Chase and asked them to withdraw the " household income '' number from the account, as it was used fraudulently. I was hoping that by doing so, the bank would then recalculate his limit to a much, much, much lower level. Of course the bank said it ca n't be done and that they have to call my son to get his approval to lower the limit. I told them that per the legal credit card agreement the bank can reduce the credit limit at any time without asking the customer ( my son ). I said that my withdrawal of the " household income '' number should give them sufficient reason to reduce his credit limit. I told them that if my son knew I was talking to them he would n't talk to me for many years! But, of course the bank could n't do anything and as such, my son still has his {$33000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Chase Private Student loan fell delinquent in 2011 due to unemployment. I called numerous times to resolve the delinquency and apply for forbearance, but was told there was nothing that could be done. A few months later, it fell into collections and was charged off. I have called many times to see if payment arrangements can be made, but they are demanding the balance in full. I am in the process of buying a home, and can not pay the balance in full, but would like to begin paying on this loan. I need assistance dealing with the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: First Data Corporation
State: WI
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:
TRS Recovery Services sent me a letter stating that a check that I had written at a local grocery store did not clear due to a stopped payment and they were collecting on this debt. I checked with the bank and the checked did clear and the bill was paid. I attempted to call TRS however they offer do not offer an option to talk with someone to resolve the dispute. The only option is to complete a form that requires you to provide bank routing numbers, account numbers, drivers license and social security number. I am uncomfortable with sharing this level of confidential information to resolve this issue. I have verification that the check did clear and the debt was paid I would like an alternative to resolve this. It appears as though there have been a multitude of complaints regarding this company 's business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After foreclosing on the property in XXXX XXXX Chase rescinded the foreclosure in XXXX XXXX. I then began the process of qualifying for a loan modification, I entered into a agreement with Chase in XXXX XXXX with payments of {$4100.00} per month until XX/XX/XXXX, the agreement further called for a principal reduction of {$440000.00} if my mortgage payments were made on time and I was not in default. My payments are current and I am paid through XX/XX/XXXX XXXX, more than one year since the agreement. Chase has not kept their part of the agreement by reducing the principal balance as they have stated in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Home Equity Line of Credit which was initially opened approximately XXXX when I purchased my home in XXXX, WA. The HELOC currently has a {$0.00} principal balance and has been dormant for many years. Since it 's opening, it has changed ownership several times with different lenders. 

I received a notice dated XXXX/XXXX/XXXX that Everbank had assumed ownership effective XXXX XXXX, XXXX. There has been no activity/service provided by Everbank. Nor have I received benefit from its use. 

I received a letter dated XXXX/XXXX/XXXX that since it was in the repayment period with no future draws allowed, Everbank would like to close the account and prepare a lien release. The enclosed documentation stipulated the {$0.00} balance BUT demanded a {$120.00} recording fee from me. 

Today, I contacted Everbank and spoke with 'XXXX XXXX, Client Services manager who was adamant that they were fees due me and stipulated by XXXX XXXX auditor/recorder. She gave me the number for the XXXX XXXX XXXX. I spoke with XXXX XXXX in that office. He shared that the Washington State legislature mandates that the collect {$73.00} + $ XXXXpage for recording the document. Any fees charged otherwise are set by the bank. 

My perspective? This mortgage was likely purchased in a package of loans by Everbank. Likely they would not have made that purchase without the expectation of profit from that package. However, for my mortgage, a small subset of that package, they have provided NO service and I have received NO benefit. Consequently, I see NO justification for fees to be paid BY me while no services have been received. I consider this a completely unjustified fee from Everbank. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX residing in the above mentioned address with my wife and XXXX children. I write to complain the treatment that my mortgage company is giving me. I have my mortgage with Chase home finance and my account number is XXXX. The phone number is XXXX. Last year I had XXXX and I was in and out of the hospital for more than six months without working. At the same time I lost my younger brother who was helping financially. Also I have XXXX of my children in college, XXXX in high school and the last XXXX in elementary school. My wife works XXXX day in a week XXXX. I requested for mortgage assistance and they denied me modification instead, they offered me a plan that was higher than my monthly payment, but I did not take it because I could n't afford it. Since this year I have lost XXXX of my sisters and my wife is still working XXXX day a week as XXXX I applied for another assistant again and they denied me without a specific reason. They transferred my mortgage to another Chase branch that wrote me and told me that I would not participate in any Chase Assistant Program. I really want to keep my house with my family, if they can offer me a reasonable modification because of my hardship at this present time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus continues to refuse to provide paper monthly statements mailed to my household, which was agreed upon over 14 months ago and after numerous complaints still agreed to the statements mailed monthly to my household. Seterus again has removed all account information and previous history on my account online. Seterus also eliminated and prevented digital monthly statements online. These issues never have been resolved no longer that a month or so then back too varying degrees of missing account information, no online or mailed statements received. I have no ability to have a history of account activity, nothing stated on account online how much my payment is or due date. These reoccurring issues have been going on over 4 years now.. I contacted Seterus on XXXX and was put on hold again XXXX XXXX stated a work order was generated and I will receive statements next month. Same action every time but no solution ever. I am certain 100 % that next month nothing will be corrected and Seterus will take 6 months to correct this after responding to this complaint, and after the correction the following month the problems will be back ... ..LOOK AT PREVIOUS COMPLAINTS ... ... ... .HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid debit card with a balance of {$500.00} and was having issues making payments the whole time and only 2 transactions successfully processed. The card does not work and the company promised on XX/XX/30 that if the card did not work by the end of the day that they would send a replacement. They also stated the card expired at XXXX  PST. They tried to blame it on me trying to use the card for cash access however I was not doing this, I was trying to purchase something on XXXX. At the end of the day I called for a replacement and they stated that the first representative was incorrect and they can not make a replacement. They also said the card expired at XXXX  EST, in contrast to what their first representative stated.. My card expired with a {$300.00} balance due to the company purposefully trying to not replace my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Receivables Performance Management, LLC
State: TX
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:
I was a victim of identity theft and noticed a collection from RECEIVABLES PERFORMANCE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLES PERFORMANCE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-06-06
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc.

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 2015-05-20
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I was student at XXXX college and school was closed before I got to grauduate. I applied for loan discharge with XXXX and those loans are supposed to be forgiven soon but I still have a balance with genesis lending about XXXX $ and I was told that I am responsible for this loan even if my school closed on me. I think this is unfair, I suffered enough already, waisted 2 years of my life and now I have to start all over again and have to repay closed school balance. Genesis lending loans have to be forgiven too.

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 2016-07-20
Company: Cascade Capital, LLC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2021 I walked into Carmax I was told to put down payment to get vehicle.. so {$5000.00} cash was taken and car insurance was issued before I could leave lot {$350.00}. So I had to get insurance with esurance.. 

According to 15 USC 1605 ( a ) - down payments or cash are illegal in any consumer finance charge everything should be included in the finance charge. And 15 USC 1605 ( a ) ( 5 ) -insurance should be included in the finance charge NOTE* a finance charge is the sum of all charges

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. 

The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.

Company response to consumer: Closed with explanation