vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. 

I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. 

Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.

Company response to consumer: Closed
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I just filed a complaint # XXXX on the wrong website for with the CFPB. IT was on Saturday XXXX/XXXX/16 and the chat was closed but I was angry about what Chase Bank was doing with my deposit. I deposited a {$50000.00} check from XXXX Hospitals Self Insurance on XXXX/XXXX/16. It was payment for money I had put out due to one of their doctors. When I deposited the check, my bank in XXXX, WV said the check would be put on hold for verification and would be available to me on XXXX/XXXX/16. The my accounts section on Chase.com said the check was on hold until XXXX/XXXX/16. Then I got an e-mail from XXXX XXXX, Senior Vice President at Chase Bank stating the money, MY MONEY, would not be available until XXXX/XXXX/16 and I could call XXXX option 1 which I did and spoke with XXXX. HE said there was nothing he could do because XXXX XXXX, where the check was issued, does not verify. My complaint is that Chase Bank is holding MY MONEY 5 days past the time stated on my deposit receipt. I am having XXXX on XXXX/XXXX/16 and may have a few things coming into the bank before XXXX/XXXX/16 and will now have to pay some things later than expected due to this Senior Vice President deciding to hold MY money for an additional 5 days. This is very disconcerting to me that they have the power to do this to a long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
I have been paying on my son 's student loan for 10 years now through my social security check. It started out at {$2000.00} in XXXX. I have paid {$17000.00} at this time. They say that I have a balance of over {$5000.00} left. Now I find out that my son has been paying 15 % every two weeks from his paycheck being garnished. It has been this way for him for 2 1/2 years now. They tell him that his will not be paid in full until XXXX. Something is not right here and drastically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I received my statement from chase, And the fund I received was not the correct amount especially in my saving. also my checking had been compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 'm an XXXX. On or about XXXX XXXX, 2014, I received an email from a person who purported to be a woman in XXXX trying to collect monies due on a divorce settlement agreement entered here in Illinois, and asking my assistance for this purpose. I entered into a retainer agreement with her for this purpose, and she sent me a check for the retainer and put me in touch with her alleged ex-husband. The arrangement was that he was to send me checks for the settlement amounts, and I was to send them to my client through my business account at Chase ( where my client also had an account. ) The client gave me her bank info so I could wire transfer the check amounts to her account. The first XXXX checks went through uneventfully. The XXXX check ( well into the XXXX figures ) was paid as a wire transfer by my branch of Chase [ NOTE THE CHRONOLOGY HERE! ], but then the original check was refused for payment because some of the information on its face had been altered. When I was informed of this, I attempted to contact the client, with no success. I have tried a couple of time since then, but have still had no success. 
A few weeks later, Chase froze all of my accounts ( XXXX of them ), and they are still frozen. They have notified me that I am responsible for repaying them the XXXX-figure check. I could not possibly do so, even if I liquidated all my assets. Chase has essentially impounded roughly {$12000.00} of my funds. They continue to levy regular bank charges on both accounts, and to send me statements and other mailings. 
I retained an attorney for this matter last year, but he was conflicted out of the case when he became employed by a firm that represented Chase. His approach to the case was less than helpful to begin with -- it was his feeling that he had done an adequate job in that Chase had not actually filed suit against me for the XXXX-figure check, even if they had also not returned my funds. 
Although I am XXXX myself, I have no expertise in banking matters, and we all know what XXXX says about XXXX anyway. 
I have all of the documents that exist in this case, and have also sent copies of them to Chase, and will be glad to send them to you on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
No debt validation, no chance to verify debt, showed up on my credit report, did not receive bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Dear CFPB I received a modification, was current on the payments. the started sending payments back, then later found out they blocked my account internally. Since they made an error and wo n't remove any late fee 's or lawyer fees they added to the balance to allow me to become current would this become a breech of contract? If you are behind and they refuse It is your fault ... but I was not behind and they still rejected the agreed modification payment. keep in mind I had already made XXXX of them ... and they started sending them back to me with no explanation as to why ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a standard XXXX loan modification from Chase Bank. My income as reported is {$4500.00} per month. I have XXXX. The bank has refused to acknowledge these facts. Chase awarded me a modification that was 42 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I requested and authorized Chase Bank to perform a wire transfer of {$10000.00} to XXXX XXXX XXXX and have the {$10000.00} deposited into the account of XXXX. The money was transfered to XXXX XXXX XXXX but not deposited as instructed into the account of XXXX. I was later told by XXXX XXXX XXXX XXXX that XXXX XXXX XXXX would not release my money until I sent them a notarized letter stating that I authorized this wire transfer. Also, I have been told that there are two more transfers made on XXXX XXXX, 2016, to the account of XXXX that are also being held hostage by XXXX XXXX XXXX. 
When I asked who to talk to at XXXX XXXX XXXX, I was told that XXXX XXXX XXXX refused to contact me to inform me of the situation and what was needed. Therefore, I went to my banker at Chase Bank to ask for help and my Chase Banker offered to help. I requested through XXXX to have XXXX XXXX XXXX contact my Chase banker ; however, XXXX XXXX XXXX refused my request. So now, as a home business owner, I am losing sales opportunities during the holiday season and I feel that I am being used as a scape goat by XXXX XXXX XXXX to cover up their own screw-up. That being the case, I am now compelled to write a letter stating that I authorized the transfer and then pay additional expenses to get this letter notarized. The wire transfer is supposed to be a expeditious method to transfer funding. It has now been thirteen days and counting to complete this transaction because a middle man decides to dictate changes to the rules of engagement. I gave my authorization to Chase Bank when I signed the wire transfer documentation. Does XXXX XXXX XXXX think there is illegal or fraudulent activity occurring with this transaction? If so, why have n't they contacted my bank and the legal authorities. Instead they are holding my funds and making money everyday they do n't deposit it as instructed. Why are they refusing to communicate with my bank or me? Because everyday they hold on to my funds, they are making money on it. 
Hence here is the statement that XXXX XXXX XXXX is demanding before they will release my funds as directed in the referenced wire transfer instructions : I, XXXX XXXX, XXXX, on XXXX XXXX, 2016, authorized Chase Bank to withdraw {$10000.00} from my Chase account and wire the said {$10000.00} to XXXX XXXX XXXX for deposit into the account of XXXX. I am directing you, XXXX XXXX XXXX, to release and deposit the said funds as instructed via the wire transfer ( XXXX, XXXX ) into the account of XXXX forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XXXX, 2015, I received a letter from Chase Bank indicating that they were closing my line of credit because they no longer offer the product. They indicated that there was no cost to me and that I could pursue other credit products that the bank offered. 

I have had the line of credit with Chase for about 10 years. I was never late and was in full compliance under the loan agreement. Chase indicates that there is no cost to me ; however, that is an incorrect statement. There are actually at least ( 2 ) costs to me : ( 1 ) closing the account could negatively impact my XXXX score since a portion of the XXXX scoring is based on age of accounts, credit utilization percentage, and etc. - this could result in " higher '' borrowing costs. ( 2 ) there is the cost of my time in reseaching other credit products with other banks. 

As a Treasury/Banking Professional for a Government Agency, I am very familiar with Chase and the products they offer. There was no need to close this account and the reasoning provided by Chase was prima facie - false, misleading, and damaging. 

My expectations are that Chase immediately reinstate the line of credit or roll the credit availibilty into another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.

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 2016-11-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I previously had an account with Citizens Bank ( previously Charter ). The account came with a credit card WHICH I NEVER USED. I closed my accounts ( CD/Checking ) with citizens a couple years ago-forgetting about the charge card because I cut it up upon receipt. About 2 months ago, I received a letter from the bank stating they were increasing my credit line. I immediately contacted them and told them I do not have any accounts with them The man said, " we do not automatically close the charge card ''. I explained that I have no idea what the card number was nor do I know what my account # was because I had closed the accounts 2 yrs. ago. He did assist me and stated he closed the account. I informed him I wanted a letter, in writing, stating that all accounts have been closed. It has been 2 months since I contacted the bank and to date I have never received anything from Citizens acknowledging that the credit card has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: Automatic Financing, Inc.
State: NC

Complaint narrative:
Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.

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 2016-11-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.

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 2016-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have my mortgage with SLS ( SPECALIZED LOAN SERV. ) I have been denied a loan modification several times for crazy reasons My home is listed as a MERS account. It has been sold over six times without sending a GOODBYE LETTER or notice. The monthly fees keep changing. 
changing. My payments are being sold as mortgage backed security, therefore the home can not collateral. MY TITLE IS CLOUDED AND SLS ( SPECIALIZED LOAN SERV. ) IS NOT BONDED TO COLLECT IN MY STATE. They are in violation of the TEXAS XXXX XXXX. NOW THEY ARE TRYING TO FORECLOSE ON MY HOME. PLEASE HELP CODE. They are trying to steal my home PLEASE HELP ME or

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NC

Complaint narrative:
constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
In XXXX XXXX, I obtained a mortgage loan with CCO Finance through Citizens Bank. I was required by Citizens to open up a checking account and pay the loan from this account, which I did. I opened up the checking account at Citizens with {$500.00} and funded the new Citizens checking account by setting up a monthly automatic draw from my checking account at XXXX XXXX XXXX. I confirmed that the XXXX and XXXX XXXX payment to CCO mortgage was timely paid ; I then stopped reviewing this account as it was on autopay. Twenty-two months later, in XXXX XXXX I received a letter from Citizens that I owed the bank {$2300.00} in penalties and interest as each payment from XXXX to Citizens was deemed late. 
According to Citizens, most auto transfers from XXXX were late. According to XXXX, the monies timely cleared each month from the beginning of this loan. I provided XXXX substantiating documentation to Citizens showing each XXXX payment timely cleared. 
Based on the XXXX and XXXX records, of the 21 autopays ( which was made by check from XXXX to Citizens ) ; 10 cleared on the day the check was received ; 5 cleared 1 day later ; 1 cleared 2 days later ; 2 cleared 3 days later and 3 cleared 4 days later. I inquired why is took upwards to 4 days for a check to clear from an account with history ; Citizens was unable to provide an answer to this question. 
Citizens set up an overdraft protection account and drew from this account each month. I never set up the overdraft protection account. I specifically requested documentation from the bank showing I set up this account ; they are not able to provide this documentation. 
I asked Citizens why they informed me of this overdraft situation after 22 months ; they were not able to answer this question. 
I closed the aforementioned Citizens checking account in XXXX XXXX and paid directly ( autopay ) from my XXXX account. There have been no late payments since XXXX XXXX. 
I determined that of the {$2300.00} ; {$1800.00} was monies from the Citizens overdraft account and this amount was paid back to Citizens. Citizens still claims I owe {$740.00} in penalties and interest. 
I pay some XXXX creditors monthly for personal and business purposes using autopay and never have had a problem with late autopayments. 
I spoke with numerous Citizens representatives over a six month period in an attempt to resolve this matter. 
I spoke several times with a representative from the Citizen 's Office of Chairman in an attempt to resolve this matter and provided all relevant documentation. 
Citizens just sent the remaining {$740.00} to a collection agency.

Company response to consumer: Closed with explanation