vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
The loan servicer is Nelnet. As a borrower, I request repayment plans through the XXXX website, which is sent to the servicer. I request this in order to have a loan summary document that I can print out for a mortgage application. However, Nelnet has a very non transparent and long process to calculate a monthly payment based on the information that I submitted. It takes too much time and as a consumer it is hurting my prospects on owning a home since mortgage applications and home purchase are time sensitive applications. I have been informed that they have been several complaints lodged against Nelnet and another company XXXX. They are not serving the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I short sold my home in XXXX and a company masquarading as Chase telling me that I owed them for an equity loan that I thought had been paid off in the short sale. I paid them - to date $ XXXX.+. 
The payments were always made from my bank account - I was asked to give them routing number, account number and they recorded me saying that they could take the payments for 6 months - then they would call me again to ask for the same set up. 
I had someone working on my credit rating and they realized that this debt was not showing up in my credit report. Because of that I went to Chase to alert them that this may be a fake Chase company and they were very un-interested. 
They did say that I had no such debt on file but that I was to take a pamphlet and report it to all these other agencies - that were covering Identity Theft - which this is not. 
They are still hounding me every day and now they have sent a letter - XXXX of XXXX I have recieved over the years since XXXX. 
The letter they sent looks exactly the same as Chase but it has different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank collects for taxes with my principal, interest and insurance payment every month. I added additional land to my property and the bank, Chase, stopped paying my property taxes without contacting me. I continue to pay my property taxes monthly to them and also had to go pay XXXX tax bills that they did NOT pay. I contacted Chase Bank on XXXX and spoke with a supervisor. I told her my issue and she said she would be sending me a letter within two weeks letting me know what they will be doing. Today is 30 days and I have heard NOTHING from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages XX/XX/XXXX XXXX a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called XXXX and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( Chase ) had the info. When I called Chase they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called XXXX back with the findings they told me that they owned the debt and Chase should not have told me any thing when I called Chase back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I had a credit card with Chase Bank USA NA, I was unable to pay it due to an illness and loss of job. They charged it off. In XXXX I received a XXXX from Chase Bank USA NA. I claimed the {$2100.00} on my taxes. In talking with several people in the mortgage industry, I was told that Chase would keep the charge off on my account, but the balances would be zeroed out, due to the XXXX. I feel that because I had to record this as income on my taxes that the amounts should be removed from my credit report. I have tried to talk to Chase, but they told me that I had to pay the balance in order for them to remove it. I have already claimed it as income on my taxes, now they want me to pay it to them? Please point me in the right direction, as I wish to get a mortgage and need this removed from my account. Also when I disputed this they changed the date on most recent reported and I was told by the mortgage company that it looks like I was working with them to correct this on XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK WHOM I HAVE BANKED WITH FOE XXXX YEARS TOOK MY {$10000.00} WHEN I ASKED TO CLOSE MY ACCOUNT AND NEVER CLOSED MY ACOOUNT. AND THEY HAVE CHANGED MY STATEMENTS TO SHOW THAT I OWE THEM XXXX WHICH DOES N'T CORRELATE BECAUSE I HAD XXXX PLUS XXXX IN CHECKING AND SAVINGS ACCOUNT RESPECTIVELY. 

NOW WHEN I WENT TO THE BRANCH AND FORCED THEM THE MANAGER PRINTED OUT XXXX PRICE OF PAPER SAID NEGATIVE XXXX DOLLARS AND THEN POSITIVE XXXX EQUALS XXXX ENDING BALANCE. MEANS IT 'S XXXX NOW SO ATLEAST NOW MY ACCOUNT SHOULD BE CLOSED WHICH THEY ARE NOR CLOSING. THEY MADE MY INFORMATION PUBLIC AND BECAUSE OF CHASE BANK I AM VICTIM OF ID THEFT. THEY HAVE DISCRIMINATED AGAINST A MINORITY WHIXH IS SIMPLE AND STRAIGHT FORWARD AND I THEN LEARNED HOW MANY OTHER PEOPLE HAVE BEEN HURTED AND LOST EVERYTHING BECAUSE OF CHASE BANK. I WANT MY MONEY BACK VIA CHECK AND CHASE BANK NEEDS TO BE SUSPENDED FOR XXXX WEEK ATLESST. FIRST, I WANT MY XXXX PLUS XXXX BACK IN XXXX HOURS AND A LETTER STATING MY ACCOUNT BEING CLOSED IN END OH XXXX WITH ENDING BALANCE IN CHKN XXXX AND SAVINGS ACCOUNT {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Because of the low principal balance on my mortgage Chase Mortgage informed me that I could place my Homeowners Insurance myself. However, they did not tell the insurance department of Chase who went ahead and also placed a policy. Which when cancelled incurred a {$720.00} short rate charge. This also happened the year before! Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase credit card services is not properly processing my mailed payments. I have sent my payments off twice this year and have been assessed late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I added an external account to my Chase checking account. I subsequently transferred money from the Chase Checking to the newly external account. I received a text message from Chase to confirm the transfer, which i did via responding text. To my horror I discovered a week later that not only did Chase reject the transfer AND THEN CLOSED the external account WITHOUT my permission. Nor was I informed that they closed the external account. Then Chase locked my account from online access due to activity frequency. Upon inquiry I was told they dont know why this happened. And that I now have to go through the ENTIRE process again to reestablish the external account - that they closed! and they were unwilling to provide me contact information for Fraud or Operations officers to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX reported on my credit reports that I owe money for services rendered. I have insurance in which I provided my information and a copy of my XXXX card to the hospital at the 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 2016-11-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I currently have 4 student loans with HESAA. This is a State agency that gives out Private loans to students with co-signers for college. I currently have 4 loans that I co-signed with HESAA ( or NJ Class ). I have tried to dispute the accuracy of the loans and written to NJ Class in regard to this. They neither responded to my letters or marked my file " in Dispute ''. They basically continue to ignore me. The account numbers are : XXXX, XXXX, XXXX, XXXX. My son has tried to go to the NJ Class offices and ask for help in reducing the debt or refinancing them. He was harrassed and told he better pay or else. This is what led me to asking for a dispute and for the negative marks to stop on the account. My first letter was sent on XX/XX/XXXX and recieved by NJ Class on XX/XX/XXXX. This letter requested validation of the contract with signatures as competent evidence showing the contractual payments between HESSA and my son and me as the co-Signer. This letter also put them on formal notice that I was disputing what they were claiming. When I received no response, I sent a second letter ( one for each account ) which was sent on XX/XX/2016 and received on XX/XX/2016. Again, I again outlined what they were claiming and indicated they were put on notice of a formal dispute and did not mark the credit bureau as disputed and they added more negative remarks. The NJ Class/HESAA does not believe they follow the same rules as all other creditors and they simply ignore the law. If I can not get satisfaction from filing this claim, I will need to bring them to Small Claims court, but I do n't know if that helps. I need you to review what this organization is doing and help these students who are being harassed and lives ruined by this organization. They are breaking the law under the Fair Debt Collection Practices and I hope you can help me in resolving this. I have been paying this loan now scrambling to get money to pay them equaling on a monthly basis as they are ruining my life and the life of my child without any regard. When you call them, all they say is " you better pay ''. I 've even written the governor who has done nothing but given my letter to the attorney general who writes me letters telling me she found some mistakes in my file, corrected them and then says you must start paying. No option, no help, no evidence. Completely ignores anything I have written in my letter. All four accounts have each had the same letters sent and all four accounts have been ignored. You are my last opportunity to resolve this. I want the validation of the contract in regard to these loans with signatures and I want my life back by cleaning up the history of missed payments since they have broken the loan and have ignored my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
A woman calling from 'Maury Cobb Attorney At Law ' at XXXX would not disclose the nature of the matter without me giving my date of birth. I did not offer any info. However, she did state my address and last XXXX digits of my social security number to try and get me to offer my date of birth. How she had that information is difficult to understand and of great concern. I told this woman that I have not received any notification by mail on any legal or debt matters. They may be trying to collect a student debt of a relative which was legally dismissed in bankruptcy. I was listed on that loan as a reference. That is my only theory on this. Nonetheless, I am not liable nor is my relative. An investigation is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is an ongoing issue with TD Bank. 

The Bank is refusing to accept a CERTIFICATION OF TRUST in Lieu of a Trust Agreement despite a Florida law ( XXXX ) to the contrary. 

Please investigate the business practices of TD Bank, specifically in Mortgage Origination as it pertains to Trust requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
We are receiving phone calls ranging from 3-8 times a day from the day that the payment is due until 7 days before I can set up a payment to pay the loan. I receive emails and messages as well. If they ca n't reach me on the home phone within seconds they call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.

Company response to consumer: Closed with explanation