vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Bank of America VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Bank of America VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: NY

Complaint narrative:
I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had my bank account since I was in high school. At the time of opening the account with Bank of America there was no need to order checks as there was a limited amount of transaction being conducted. 
I now found myself in need of checks as I was asked to pay my rent and deposit using that form of payment. I went into the Bank of America branch in XXXX, Ca and asked to order checks and to get a couple temporary checks so I could pay my new landlord. I was told by the teller that new checks are only issued for new accounts and they would be happy to sell me a cashiers check for {$10.00}. I was told that no exception would be made even though I have never had checks before. I feel that this practice is unfair. The bank clearly has the ability to issue a temp. check they just refused to do so in order to charge me XXXX for a cashiers check. Bank of America is holding my money hostage unless I was willing to pay a fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have paid on my loans for about ten years and the balance has not gotten smaller, it has actually increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We fell behind in mortgage payments have been trying to get a modification since XXXX but Chase will not give us a decision. Now are faced with foreclosure.

Company response to consumer: Closed
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am getting tired of this. Our house is underwater, and has been for quite some time. We 've had the house on the market for over a year. We finally received an offer 6 months ago and the bank is still playing games with the buyers. They went out and got a VA appraisal which came in at {$420000.00}. They made an offer of {$400000.00}. The bank has finally come down to {$430000.00}, to which our buyers counter offered {$410000.00}. At this point they are very close to the VA appraisal, but Chase will not work with these buyers or this appraisal. Chase has been playing around with this for 6 months now totally disregarding the appraisals. All we want Chase to do is to take the VA appraisal into account and work to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank allowed an unauthorized withdrawl from a 3rd party representing themselves as me of over {$6500.00} from my checking accounts despite multiple egregious and obvious errors in documentation ( deposit slip had XXXX different misspellings of my name, transaction occurred in a state which I have never banked ). Furthermore, despite an initial attempt that was thwarted ( a bank associate attempted to contact me but it was days before my wedding so i was unavailable ) but failed to make any notation of the account and the 3rd party went to a separate branch and completed the transaction. Chase refused to initiate an investigation until I signed an affadavit ( which delayed the start 3 days as I was again getting married and not near a chase branch ) and has gone 12 business days with no contact or action ( despite a claim of an already absurd 10 business day turn around ). Chase 's verification and consumer protection processes in the branches are clearly insufficient and create significant risk to consumers. Furthermore, Chase expects customers to be able to absorb a financial impact of this size for a period of nearly a month with no recognition of the impact on their day to day lives a loss or communication as to the status of the claim along the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This letter is to complain Chase freedom credit card. 
My account number XXXX Name on the card : XXXX XXXX. 

Chase freedom provided me XXXX INTEREST on purchases which expire on XXXX/XXXX/2015. 
I paid my balance in FULL {$8500.00} on XXXX/XXXX/2015. 
Chase charged me interest {$110.00} XXXX {$6900.00}, APR 18.99 % ) on XXXX/XXXX/2015. 

I called Chase customer service XXXX XXXX XXXX to resolve this interest charge middle XXXX after I received the billing letter. Eventually I was transferred to a supervisor. Let me list our conversation briefly as follows : me : My record showed I called you and was told there will be no interest if I pay off before XXXX/XXXX/2015 supervisor : No, it expired in XXXX. 

me : I DID call you and was told there will be no interest if I pay off before XXXX/XXXX/2015. Can you tell me when did I call you? 
supervisor : Yes, you called sometimes in XXXX. 

me : Yes, I called and was told there will be no interest if I pay off before XXXX/XXXX/2015. 
supervisor : Why did you call us to confirm the expiration date? You should go find the paper and check the terms? 

me : I called just want to confirm the expiration date. I think it is part of credit card service. Can you waive this interest charge? 
supervisor : No, it is final. 

me : Can I talk to higher level person about it? 
supervisor : No. what can I do for you next? 

me : Please cancel this credit card for me. 
supervisor : OK, I will process your cancellation. 

Next, let 's talk about my records. 

My records showed that I called both Chase and XXXX XXXX on XXXX XXXX same day, same hour, and the same purpose. I called to confirm the expiration dates respectively. 

I called XXXX XXXX ( XXXX, my account ending in XXXX ). My calling date and purpose was confirmed. 

Please find attached picture of my phone system which showed I called chase XXXX XXXX XXXX XXXX XXXX, 2015. 

Please find other supportive documents with this letter as well, such as bank account record, etc. 

Thank you for your attention! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: DE

Complaint narrative:
XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX, 2015, I applied for the Home Loan Modification Program. I submitted the required information per the Mortgage Assistance Checklist, per Chase. I copied and mailed the application packet to Chase. Once Chase received my application package. A rude representative called me and asked for verbal financial budget estimates over the phone, when she had the information in her hand. She also asked for another copy of my check stubs that she claimed she could not read. I found the initial process to be indifferent and suspect. On XXXX XXXX, 2015, I received the completed review. I was given XXXX OPTION- a standard short sale? Really? I requested a modification and/or forbearance, due to financial hardships and future uncertainties. I was proactive, while foreseeing a job loss. I have no desire to sell my home, nor am I in the foreclosure process. I am proactive in pursing foreclosure prevention options. 

Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further, and noticed that Chase made incorrect calculations. On the application, SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}, respectively. It also, show my total housing expenses as {$0.00}. 

According, to SECTION XXXX : Contact, Dispute and Appeal Information Section, I filed an appeal. I mailed an appeal letter to Chase ( Mail Code XXXX, XXXX XXXX XXXX, XXXX, La ). I have not received a response or any communication on the status of my appeal letter. 
Currently, I am temoprailry unemployed and requested Chase to reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.

Company response to consumer: Closed with explanation