vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
The debt to Receivables Performance has been paid in full. The debt has been satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: SD

Complaint narrative:
these people keep calling every day -- have a XXXX XXXX so not able to XXXX but XXXX the phone numbers they use from multiple states and they never use relay to call -- - the XXXX searches for phone numbers say rpm and receivables performance management from others complaining who they are so think this is their debt scam coming back for more tries at debt they completely made up and was disputed many times and each time they would just change who supposedly owe and try again and again and again and this fraud collection has a history of making things up and harassing people to pay debts they faked and will not leave me alone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: WATERSTONE MORTGAGE CORPORATION
State: IN

Complaint narrative:
I was referred to Waterstone Mortgage by a realtor. I was told to work with a gentleman named XXXX XXXX. After speaking with XXXX XXXX on the phone and him reviewing my situation he referred me to his colleague XXXX XXXX so that she could advise my husband and I how to get our credit started again. We met with her and she advised us to get a savings loan, a prepaid credit card and to become authorized users on a family member or friends credit card in which we did all of those things. The authorized user was false information. She also told us NOT to pay off any of the items that we owed on our credit report. Af the end of the 30 minute meeting she told us that we owed her {$300.00}. No cost was mentioned until the end of the meeting. My husband gave her {$200.00}. She said to do the 3 things she mentioned and call her back, we did and it took 2 weeks to hear back from her. She said to come back to the office to talk. We went back and she had lost our file, she said that she left it at her home and I found it odd that our file would be at her home. We had to give her all of our information again and the last {$100.00} that she said we owed. We paid her in cash she said that they did n't take debit or check. We did n't get a receipt and I know that is my fault but when we gave her the money XXXX XXXX was there, although I did find it quite odd that XXXX put the money in her purse. She then gave us one of XXXX business cards and wrote on the card that we would get {$300.00} off our closing costs when he got us financed. I tried calling and texting XXXX a dozen times or more and I never heard back from her. This originally took place the beginning of XXXX 2014. During the winter we saw a place that we were interested in and I happened to know the broker. The place had been sold but I told him that we were working with XXXX XXXX and he laughed and told me that XXXX had discretely quit Waterstone and was no longer in that line of work. I called him because I still could n't reach XXXX and XXXX told me that by rights she should refund my money. He then refereed me to his brother XXXX and when I told him what had happened and he said that XXXX was a family friend but he would never use her in his business because she checks out and goes to XXXX quite a bit. I learned my lesson but I feel like me and my family have been taken for money that we could have used and we trusted someone that was supposed to be helping us. I have XXXX children of which one has XXXX and I 'm paying more for rent than a house payment would cost me. I feel as though XXXX took advantage XXXX. Even if no action is taken against her I think people need to be warned about the way she conducts business. Thank you for your time and I would appreciate it if you would look into this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Recievable Performances had been given a alleged debt by XXXX account # XXXX and has also place this debt on all three of my credit files, after having this debt disputed to XXXX and also with the consumer financial protection bureau there are the results : We received your complaint about the XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. This item identified in your complaint has been deleted. when pull credit files this debt is still posting to my credit files please have this deleted from all credit files, XXXX thanks

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 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Greetings, I am a teacher who have been banking with XXXX XXXX for more than 12 years. My account with XXXX is a joint account with my wife and she received a credit card from the bank approximately a week ago. For the past two months the bank has been sending me credit card offers in the mail and I decided to accept the offer on Saturday XX/XX/XXXX. However, my application was denied. The problem that I am having with the entire situation rest in the fact that with this credit card rejection, my credit score will now be affected for several years. This is not fair to me, as I have been making valiant efforts to fix my already week credit. The question therefore is, is it right for your bank of over 12 years that knows your employment status, which includes your monthly direct deposit, and have all the details of your general eligibility prior to making such an offer, proceed to making the offer and then turn around and deny you the credit card knowing, that it would impact your credit? 
Frankly, in my humble opinion, I believe that something is very wrong with that. I am hereby asking the fair-trading commission to please look into this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for a Southwest Rewards Premier Visa card towards XX/XX/XXXX in order to receive XXXX bonus points for Southwest Airlines. I was approved and on my first statement cycle, I met the requirements to earn the promotional points. The statement in the advertising said, " To qualify for your bonus points, you must make Purchases totaling {$2000.00} or more during the first 3 months from account opening. Please allow XXXX to XXXX weeks for bonus points to post to your Rapid Rewards account. '' I spent the required dollar amount within the first statement cycle which ended on the XX/XX/XXXX. I made the purchases in the time frame I did because of the statement saying " please allow 6-8 weeks for bonus points to post to your Rapid Rewards account. '' On the XXXX, the points were transferred within the same business day to Southwest Airlines and into my Rapid Rewards account. Because of this time frame being significantly outside the stated XXXX week time frame, the promotional XXXX bonus points did not post in the XX/XX/XXXX calendar year like it should have in order to be counted towards my companion status. When I made my decision of when to apply for the card, I went by the stated expectation time frame for awarding of points as 6-8 weeks. Had it said " up to 6-8 weeks '' I would n't be upset, but had I known that they would have been awarded and posted on the statement close date, I obviously would have not spent the required amount in their first statement cycle or would have applied for the card a week or two later. 

I feel that if Chase were up front with their customers about how long it takes for rewards points and to let the customer know when they receive their card what their statement cycle dates will be. For me, my statement date started XX/XX/XXXX, but I did NOT receive my card until the next week. Again, had the statement date been given, and explanation of time frame for points to post to the Rapid Rewards account, consumers can make better choices and better manage their spending if they are trying to achieve something specific. 

The wording in ALL of their advertising for promotional deals is VERY vague and misleading because it leaves too much to interpretation. It also leads customers, like myself, to have a reasonable expectation to take statements on advertisements like " Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account '' as a definitive time frame. If this expectation is being given as written, and this is a direct quote from their current advertisement ( and was the same as when I applied XX/XX/XXXX ) than it is reasonable to assume that consumers are going to expect and will plan on it taking that amount of time.

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

Complaint narrative:
I had a home in XXXX, CO. and lived there with my wife. Her mother got sick and she had to move to XXXX XXXX, CO to take care of her. I stayed for a couple more years before I could transfer to a job closer to her. We rented the house for a while but when the renters left we could n't make the payments and the home was forclosed on. We filed backruptcy and the house was surrendered to the lender. 3 years later, and the bankruptcy is done, and we were looking to buy a house close to her mom in XXXX XXXX. The forclosure put us on the HUD XXXX list and we are n't eligible for a VA loan. The mortgage company has not filed a claim for the FHA loan so the 3 year waiting period to be eligible for a VA or FHA loan has n't even started yet, even though they have had the home back for all these years. We need help in getting the lender to make their claim to the HUD so we can once again be eligible to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My checking/debit card account is in overdraft and has been rolled over several times now. The XXXX overdraft for XXXX should not have occurred because the funds were put into my account @ XXXX on Fri., XX/XX/XXXX which covered it. The overdraft of {$13.00} occurred on the evening of the XX/XX/XXXX after banking hours @ our branch. The overdrafts continued to mount to {$130.00} by XX/XX/XXXX. After XXXX or XXXX heated conversations with the branch bank manager she took {$15.00} off for extended od fee reversal and {$19.00} off for extended overdraft on XX/XX/XXXX. This left overdraft expenses at {$100.00}. Their online customer service representative said they could do nothing more to correct the problem. However this account should never have gone into overdraft in the XXXX place. The tellers at the bank have told me that if an account is in overdraft during the week, the customer is giving until Friday of that week to correct the credit. But if not taken care of before Friday, a {$15.00} charge is attached. If not taken care of by the Monday of the following week a {$34.00} charge is attached. XXXX more {$34.00} is allowed and that is all. This was my understanding of the overdraft circumstances with Chase but it has not be the case with this situation or in other situations with Chase. My account started in XX/XX/XXXX so my history with them is not long in nature as accounts go. So going over all my statements and history should not be a problem. Also they stated that anything under {$5.00} is not given an overdraft but I believe there were charges on less than {$5.00} as well which I was unable to have removed. The result I expect from this is that my account be restored without overdrafts at all ; with a balance of {$22.00} in it instead of a negative amount of - {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase mortgage did not apply my bankruptcy payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase I appreciate your letter Dated XXXX XXXX, XXXX. 

Chase its been over two years of research on my own Chase after many questions, research, and more questions we agree on a few findings and discovery. 
Chase as stated in your letter you have responded with letters from XXXX to present. 
Chase each of my letters and request are connected by property however different questions and or new information and discovery. 
Chase you stated if I have new research, and or discovery to provide for review - what I continue to provide. 
New Information was provided- Notary XXXX XXXX Chase the information provided regarding notary XXXX XXXX was provided as requested for errors and omissions. 
The certified no record of TDUS in XXXX XXXX notary journal- discovery within the last year. 
Chase last letter advised me to contact WaMu bankruptcy attorney - I contacted attorneys in XXXX XXXX. 
Discovery as of XXXX XXXX - WaMu bankruptcy attorney confirmed no knowledge or disclosure of recession from XX/XX/XXXX.- requested a copy, I provided XXXX XXXX. 
I believe request by Chase to provide detailed documents have been met. 
Chase has stated in a few letters XXXX XXXX XXXX handled file until last quarter of XXXX. 
Chase what do you do in a case of so many confirmed errors? 
Chase when you discovery this type of negligence by third party XXXX XXXX XXXX - what is the process to address the errors?

Company response to consumer: Closed with explanation