vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My parents XXXX XXXX XXXX XXXX banked at Chase prior to both of there deaths. I want to know how a bank account can remain active after their deaths and if the bank has any property under my father XXXX XXXX. 
I am not sure why this account was able to have someone access it and transfer money into it which my attachments upon close review demonstrate this. I am attaching files which show the timeline of employees interaction upon his death. I want to be allowed to review his estate matters as no administrator. I want permission which as a person in his will and the Texas law allows As I have a certified copy of his will and his death certificate. 
I request information on both my parents to be reviewed. under the Texas Estste Code : Sec. 151.003 EXAMINATION OF DOCUMENT OR SAFE DEPOSIT BOX WITHOUT COURT ORDER ( a ) A person who possesses or controls a document delivered by a decedent for safekeeping or who leases a safe deposit box to a decedent may permit examination of the document or the contents of the safe deposit box by : ( 1 ) the decedent 's spouse ; ( 2 ) a parent of the decedent ; ( 3 ) a descendant of the decedent who is at least 18 years of age ; or ( 4 ) a person named as executor of the decedent 's estate ina copy of a document that the person has and that appears to be a will of the decedent. 
( b ) An examination under Subsection ( a ) shall be conducted in the presence of the person who possesses or controls the document or who leases the safe deposit box or, if the person is a corporation, an officer of the corporation. 

I look forward to visit and review by parents closed accounts.

Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The complete taking of my tax returns past two years, desperately needed to survive amid extremely poor job prospects. It could have been allocated towards getting me out of default gradually while allowing me to scrape by slightly better.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase put an hold on a XXXX Credit Card and did notify the consumer. 
1 ) Issued credit for XXXX 2 ) Put a hold on the account after charging {$530.00} against credit 3 ) Did not notify the customer on credit freeze - reason for freeze unknown 4 ) Blocked disputes online 5 ) 5 phone transfers including supervisor to verify account - rude agents, not nice 6 ) Over 1+ hours to verify account - call transferred again 7 ) International agents asking highly sensitive questions about credit related questions after the account is opened - i.e., what is the point in verifying the account after charges are already levied 8 ) The agents are outside of America and are not under US Jurisdiction - in case of real consumer fraud, it is impossible to extradite their frauders back on US soil to face charges both civil or criminal 9 ) Agents have accents that are difficult to understand causing undue stress, harm and frustration resulting incorrect verification. 
10 ) Countries being used are non-democratic authoritarian countries with a poor human rights and labour laws/standards 11 ) XXXX, high XXXX activity, very high risk of data theft and risk to millions of American consumers - i.e., data can be used to track citizens, purchases, and other activity by competitor nations. 
12 ) Bank can not guarantee security of consumer or security of data 13 ) Bank is forcing American citizens to engage with international audience ; banks policies themselves create unfriendly interactions with international audience - resulting a negative perception of Americans ; i.e., undermines soft power and diplomacy in the region. 
14 ) State Department should conduct an audit on all international call centers and survey to see if these cross-cultural interactions advance soft power or undermine it ; i.e., private organizations should have regulations and federal guidelines that promote positive US perception In this case bad bank policies and procedures ( not notifying client of account freeze for two months ), freezing account without merit, and transferring unhappy US customers over to another country ( most pivotal region of the world ) does not promote US interests abroad. 

The job of the government to review these issues holistically and in a XXXX degree. 
1 ) Bank policies, notification protocols and communication with customers ( Business Operations ) 2 ) Outsourcing and type of call being outsourced and locations vs. US strategic interests ( Foreign Relations ) 3 ) Security of US consumer data ; identify theft and risk of foreign actors exploiting this for self-interest, etc. ( National/Human/Cyber Security ) 4 ) Consumer experience ( Domestic Reputation ) Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from Wamu Bank in XX/XX/XXXX but per my creit report is says Chase has it since XX/XX/XXXX Since the change of banks there are several problems with this bank, Listed below are my complaints,1, They are miss applying my payments, See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied2.When I started my loan with Wamu my loan was XXXX XXXX 5 years later it was XXXX XXXX. No one wants to explain this to me. 

3. Have paid extra funds towards my escrow, but it is not applied to any accounts please see examples. also dose not show the over paymentsSuspense AccountsAs the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower 's funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower XXXX a partial or incomplete payment, though it can also be utilized if you overpay as well. 

4.Shows many payments in suspense do not understand where these payments are going they are not and were n't short paid at any time. 
Misapplication of Payments or Inaccurate AccountingOne of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may : improperly apply funds ( in violation of the terms in the mortgage contract ) ignore a grace period, and/or fail to credit funds to the accountBank in question Wamu and chase Please look at all information attachedXXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXXLoan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: NY

Complaint narrative:
I subscribed to XXXX online and was sent one issue of the magazine. I was never billed for a yearly subscription, and indeed no yearly subscription was ever sent. I decided that they were incompetent and that it was better not to have a subscription. A year or so goes by and I get a bill ( in XXXX 2015 ) from a collection agency. I send XXXX subscription service an email telling them that I am only theoretically responsible for paying for one issue of the magazine and that because they have already severely inconvenienced me, I felt my debt to them had been discharged and that I would be paying them nothing. They responded with an email apologizing and reassuring me that I did indeed owe them nothing. Now, more than a month later, I have received another notice from a collection agency. I owe no money, they have agreed that I owe them no money, and still they will not stop harassing me and damaging my credit rating. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GATEWAY FIRST BANK
State: LA

Complaint narrative:
We are part of the devastation that hit Louisiana in the flood of XX/XX/2016. Our house received 56 inches of water. We have requested a second draw from Gateway Mortgage Group and they had and inspector come out and saiy that we are at 1 % repair. Gateway says they can not release anymore money until we are at 50 % complete. The money they sent us, {$25000.00}, was used to buy materials : demo supplies and tools, windows, insulation, electrical materials, sheet rock and finishing supplies, primer and paint, flooring, and hire contractors to complete repairs on plumbing, electrical, insulation, sheetrock, painters, window hangers. Luckily I am able to do flooring and a few other repairs to save money. I have exhausted all of my financial resources trying to recover the loss of 5 vehicles, and over 50,000 dollars of household contents where we only received XXXX for that. My wife and XXXX teenage children have lived in one room and a shell of a house for 4 months. We are now fighting to repair our home with 30 % of the repair money and not able to get the anymore until we are at 50 % complete. Do the math : We are in financial ruin. I can not even go and buy groceries this week. Help us please.The phone number I have for Gateway Mortgage Group is XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Swe Homes LP
State: TX

Complaint narrative:
I have a mortgage with S.W.E. Homes and they handle my escrow account also. I have recently changed my insurance company. I have contacted S.W.E. Homes over a month back and ask them to use my escrow account and pay the initial down payment on the new policy. They have refused and have not given any reason as to why!!! 
S.W.E. Homes Contact : XXXX XXXX. 
XXXX XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blitt and Gaines, P.C.
State: IA

Complaint narrative:
I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. 
They also refuse to come get the car even though it is too late. Please help! Thank you! 

Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
i have filed on these ppl several times mi id my whole purse was stoden a few years back these ppl stold even my insurance cards my drivers licemce everything the original hospital or whatever is now gone i cant get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I funded a loan with Prestige Financial during my Chapter XXXX bankruptcy. My first payment was due before my bankruptcy was finalized and I told them they needed to change the initial due date. I am currently 26 days late due to major loss of income and they call me at least once a day, and email me as well. I have requested they not contact me, other than XXXX Mail, and prior to 30 days late. I have been threatened to " not risk this '' XXXX late payment status ], to " govern myself accordingly, '' and that I " must not need this car. '' I was told they would attempt payment on XXXX and I stated I would call in the afternoon to process. I emailed on XXXX to tell them I would need to make the payment on XXXX, which would be 28 days late. I received another threatening email as a result. I was also told that the payment was attempted at XXXX, which was against our recorded agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: VA

Complaint narrative:
I have XXXX in loans and the repayment plans maximize your interest. I am on a payment plan and I am getting no where with them. Each time I set up a payment plan, it maximizes the interest and nothing gets paid on the principal balance. While this is happening, I am still occurring Intrest even though I am paying on it every month. It 's hard to pay something off when you keep occurring charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: GA

Complaint narrative:
I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.

Company response to consumer: Closed with explanation