vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been a Chase credit card holder since 2007. I use this particular credit card sparingly, pay my account in full every cycle, and do not carry a balance. In the midst of a difficult pregnancy, a move, and significant home renovations, this XXXX, I lost track of my calendar, and unfortunately paid my Chase credit card balance ( again in full ) less than 24 hours late ( my payment is due on the XXXX, and I paid online the morning of the XXXX when I realized what day it was XXXX. I called Chase immediately, and they were able to waive the late fee. Today, XXXX XXXX, I woke up and ( after another bout of morning sickness ) I realized the very same thing -- I had thought today was the XXXX, but it was the XXXX. I immediately went online and paid my statement in full : {$55.00}. I again immediately called Chase Credit Card Services to explain the situation, and they informed me that they would be charging me a {$25.00} late fee ( nearly 50 % of what my actual statement balance was XXXX and that they would be unable to waive it. I explained that I was a customer since 2007, who reliably paid my balance in full, which they acknowledged after reviewing my account ; and that I would choose to close my account and use another credit card if they refused to extend me the courtesy of waiving the late fee. Even after speaking with a supervisor, I was told that no one had the power to waive the fee ( which I can not believe is true ) and that I should go ahead and move forward with closing my account ( all over {$25.00}, which is silly from a XXXX dollar business 's end ). Ultimately, I was charged {$25.00} for the privilege of borrowing {$55.00} for less than 24 hours more than permitted. I think that this is an unreasonable business practice in light of the fact that the balance was only {$55.00} and that the payment was less than 24 hours late. Other credit card companies ( e.g., XXXX XXXX would waive this fee in light of the circumstances. I feel that I was treated unfairly and inflexibly given the circumstances and my history with the company. This is not how a company should treat its long-time customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed wrongfull charges with the Chase dispute department. I was told by the Chase representative at that department all calls are monitored and recorded. I was told the items I am disputing occured more than 90 days ago. But, due to my military service, they can be disputed if they had occurred within one year. Therefore they qualify to be disputable charges. I was told I would recover all fees that were originally assessed to me and provisional credit for the disputed items would be credited to my checking account. Addionally I was thanked for my service and was told the fees would be credited back to me as a curtesy. Some were manually credited back to me from customer service and some were done systematically by the customer claims department. 
After, I received notification that the items were not disputable and all fees that were credited back to me as a curtesy would be taken back. Chase made no contact with the merchants to validate the charges were indeed done in error. Next all fees that were credited back to me as a CURTESY and imputed manually by the Chase customer service department and systematically were charged back creating my account to become severely negative. 
How is claims department changing policies? If you are crediting back fees as a curtesy then how can Chase take back what they had promised on a recorded phone call? 
Soon, the she

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/XXXX I received an auto loan from chase bank to purchase a car for my daughter. Up into the last few payments I turned the car over to my daughter and several payments were missed. Once I realized in XX/XX/XXXX I made the payment and allegedly {$.00} cents was left on the payment. Chase agreed that I did not have to send in the {$.00} and forward me the title to the car with the bank name removed as a lien holder. For the past 3 years I have been trying to get chase to correct my credit report showing that the loan was paid in full. As of XX/XX/XXXX due to the {$.00} I spoke with chase bank who admits someone error in the credit reporting and they will make the change. For three years with the negative reporting by the bank I would like the account deleted from all XXXX reporting agencies. The car has been paid off since XX/XX/XXXX numerous calls to Chase bank with no success to get them to correct there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase Bank, N.A., XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL., filed documents that were intentionally inaccurate and submitted without any good faith basis to the United States Bankruptcy Court in the XXXX District of Illinois and the Circuit Court of the XXXX Judicial Circuit Court , XXXX County , Illinois in order to obtain a Judgement of Foreclosure and Sale on XXXX XXXX, XXXX. 

Since XXXX XXXX, XXXX, JPMorgan Chase Bank , N.A . has continued to practice unfair, deceptive acts and business practices by denying consumers Rescission Rights. 
Consumers Rescission rights are as follows : Rescission Rights ( Open-End and Closed-End Credit ) - Sections 1026.15 & 1026.23 TILA provides that for certain transactions secured by the consumer 's principal dwelling, a consumer has three business days after becoming obligated on the debt to rescind the transaction. The right of rescission allows consumer ( s ) time to reexamine their credit agreements and cost disclosures and to reconsider whether they want to place their homes at risk by offering it as security for the credit. 

To rescind a transaction, a consumer must notify the creditor in writing by midnight of the third business day after the latest of three events : Consummation of the transaction, Delivery of material TILA disclosures, or Receipt of the required notice of the right to rescind. 

This complaint will serve as Notice to JPMorgan Chase Bank, N.A, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Il to rescind loan transaction XXXX based on failure of JPMorgan Chase Bank , N.A . to : Consummate the transaction, Delivery of material TILA disclosures, and Receipt of the required notice of the right to rescind. 
If the consumer rescinds the transaction, the creditor must refund all amounts paid by the consumer ( even amounts disbursed to third parties ) and terminate its security interest in the consumer 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: OR

Complaint narrative:
Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE AUTO RUN MY CREDIT WITHOUT MY CONSENT AND MADE XXXX HARD INQUIRES ON M CREDIT REPORTS DATED XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I currently have all my student loans through Nelnet. They acquired them 5-6 years ago. When they initially acquired them from my previous loan holder they changed my repayment terms for my loans to 25 years with out my consent. I called them as soon as I noticed and told them I did n't authorize them to change in repayment term. They ended up setting up the loans as one set up a 10 year repayment and another set up as 15 year repayment. My payment was around XXXX a month. I have been repaying these loans for the 5 years. I have had to times when I went on 3 months of XXXX that I put the loans on forbearance for 3 months. Through this 5 year times they have tried to reset my loan repayment term to 25 years without my consent. I only notice when I call and ask what my repayment term is. Every time they supposedly tell me they put it back to the original repayment term. This just happened again and now I am being told that they can not put it back to original repayment term without my payment going up. Please help. I feel like I am being taken advantage by them and I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I finalized my home modification with Chase Bank in XX/XX/XXXX. It was a long and painful process fraught with lost paperwork, trial period after trial period, etc. My story in that regard is probably like literall millions of others. However what makes mine different is that unknown to me, until just a week ago, my house had been foreclosed upon in XX/XX/XXXX. Meanwhile, it is now XX/XX/XXXX and not only has my family been living in our house, but we have been paying the mortgage since XX/XX/XXXX. We get a statement from Chase every month, and we mail in payment. Since XX/XX/XXXX, we have paid around {$110000.00}. However, deeds and records show that while we were in our " trial '' period, they foreclosed anyways. We are nowhere on the deed filed with our county. I believe that we have been defrauded from our home while Chase Bank keeps cashing our checks like nothing is wrong. I have consulted an attorney but ca n't afford to pay him. He said he believes we have a very good case to sue for fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Receiving many phone calls from Chase Bank and my bills are paid. I think they are just computer generated but very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise XXXX fraud, but when it happen they will close the account and let the customer deals with the balance. 
Also, I lost my cell phone when I lost my credit card. All my personal information store in my cell phone. I also have Chase app on my cell phone. I have used the email from XXXX and did not log out or change my email. I did not know if someone with credit card and access to my email. In addition, when I review the sale slip, anyone can sign on the sale slip and it does not prove anything. On the related account XXXX, I report these transactions as fraud. Some transactions i misread see on my statement to report these as fraud. I 'm working on reporting those, but Chase have blocked my account to report additional fraud charges. I have filed the police report and send it to Chase. I 'm working on my identity theft report, and will fax or send it to Chase when I finalize all the information. 
Chase should work on behalf of the customer 's behalf and do impartial investigation. 
Chase should work on behalf of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Continue case # XXXX. CHASE keep lying to CFPB because I phoned CHASE two times on XXXX 2015 to have them to stop any payment to XXXX in case XXXX filed charges from my credit card. Each time, CHASE 's representative promised me that CHASE will block all charges from XXXX in case XXXX might charge me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EMCC Holdings, LLC
State: CA

Complaint narrative:
I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
A debt in the amount of {$94.00} has been reported as a collection account on my credit reports since XX/XX/XXXX. The debt was a medical debt that was paid through an insurance settlement. The debt should never have been reported on my credit report as a collection debt as it was paid off by the law firm that handled my settlement. I disputed this item numerous times through the credit bureaus, but my attempts were unsuccessful. I even requested any documents to verify this debt, but never received anything from the company. Since I was able to actually obtain the documented proof of the paid debt from the law firm that handled the case, I had this item re-investigated in XX/XX/XXXX through the credit bureaus. This item still came back having been verified as a collection debt owed by me. Obviously, neither the Receivable Solution Specialist ( collection company ) or XXXX XXXX XXXX ( originator ) took the time to properly verify that this account was paid. After calling Receivable Solution Specialist and getting nowhere, I called XXXX XXXX XXXX, who originally reported the debt. They immediately realized this was an error. I spoke to them back in XXXX and they apologized and informed me the item would be removed. This item is still on my credit reports as an unpaid collection account. Had the XXXX XXXX XXXX or Receivable Solution Specialist properly checked their information, it would not have had to spend countless hours hours correcting their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
most of my medical bills was in my bankruptcy and was discharged its hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Fleet Financial, Inc.
State: VA

Complaint narrative:
As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CHECK INTO CASH INC.
State: CO

Complaint narrative:
Over the five years since my bankruptcy, this debt collection company has called my place of employment telling co-workers and bosses that may wages will be garnished, and i will be served. I provide them with my lawyers name and number, but they never call. 

Today they called and left a message on the main number stating " this is XXXX XXXX and there has been a complaint filed against you. Please you or your attorney contact the age at XXXX. '' When I called they said a judgement was granted against me and they were going to garnish my wages now that they were able to verify my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stephen L. Bruce, P.C.
State: OK

Complaint narrative:
in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I 'm asking that this please be removed from my credit reports. It 's been paid and is still appearing as a collection.

Company response to consumer: Closed with explanation