vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have just received a correspondence from XXXX XXXX ( Director, Client Research ) of CitiBank that there was not an AAdvantage miles promotion offered with the opening of my CitiGold checking account. I have have had multiple communications with Citigold representatives, with screenshots for proof, that the AAdvantage miles promotion was attached to my account at the time of opening. 

The promotion attached to my account at the time of opening was XXXX and it was to receive XXXX AA miles.I have met the requirements outlined in the promotional offer with my account opening, which were 2 Bill Pays from the account as well as {$1000.00} in debit spending. I have been assured from CitiGold representatives in the past that I have met the requirements for the promotion that was attached to my account as well. 

I have done my research on this promotional offer and have found that Citi has refused to offer the promotion to multiple CitiGold customers. I feel that Citi is cheating its customers through its deceitful marketing practices by not honoring their end of the promotional agreement.

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 non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My ex-wife and I filed bankruptcy XXXX15 years ago. The mortgage was never refinanced. My wife was awarded the house in the divorce. Chase, the non-loan carrier has now placed my credit card information on the same site as the mortgage information. Chase knows this loan is non existent as they already reported to the credit bureaus to remove the transaction info from the cleared loan from my credit history. I refuse to sit on hold while they transfer me around from operator to operator. I have contacted them twice on the website and received e-mails saying " this sensitive information is not available on the web, please call. '' Which is exactly my point. But why do I have to waste my life listening to their propaganda tape loop while they act like they are fixing their error. I want them to pay me for my time if I am going to waste it repairing their criminal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I paid my first mortgage payment on XXXX/XXXX/2016. I was therefore completely current. Per my mortgage documents, I can pay off any amount of principal of my choosing as long as I am current, without any penalty. I submitted a principal payment of {$1100.00} on XXXX/XXXX/2016 before XXXX EST. The payment was clearly indicated in Chase 's system to be a principal only payment ( see attached documentation ). Supporting documentation will also show that the payment posted on XXXX/XXXX/2016. As of XXXX/XXXX/2016 my principal payment has not been reduced by any of this amount. The funds have been posted to suspense and remain completely unapplied ( see supporting documentation ). The XXXX/XXXX/2016 regular monthly payment has therefore also been applied incorrectly as it is calculating based upon an overstated principal balance. I have contacted Chase customer service on XXXX/XXXX/2016, XXXX/XXXX/2016, and XXXX/XXXX/2016. In short, the representatives have advised me that they were processing the correction. One representative told me it would take 24 hours to correct. Another advised it would take up to two business days. Based upon the initial notification on XXXX/XXXX/2016 we are now on the third business day with no resolution. I have lost faith that Chase will ever correctly reverse the XXXX/XXXX/2016 regular monthly payment, apply the {$1100.00} principal payment effective XXXX/XXXX/2016, and correctly post the XXXX/XXXX/2016 regular monthly payment based upon the correct, lower principal balance as of XXXX/XXXX/2016. In addition to giving me no credit for my principal payment, the XXXX/XXXX/2016 paid too much interest and not enough principal as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX XXXX, 2016 I submitted a balance transfer request from Chase Slate card to pay off XXXX. I was instantly accepted for the balance transfer and it took 20 days to process it before the commerce bank card wa paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Was sued by a debt collector on behalf of Chase Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of chase record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with chase and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I bought a phone on XXXX for XXXX and when I received the item it had defects on it. So I complained and finally they sent me return shipping information. Then returned the product to the seller. Now after 3 months the seller is saying he never received the item and now a dispute got filed from his side. So i had to pay the XXXX and return the item. Basically I got XXXX and burned it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did not authorize this company to run a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We bank with Chase XXXX XXXX in XXXX California. This morning we have discovered over XXXX checks at around $ XXXX totaling around $ XXXX was debited from our checking account and we were told the money will not be coming back to us for 60 days. 

We are making this complaint because we suspect that Chase internal employee is making this possible. I said that because 1. The check image in question shows our previous address without my name and only my wife 's name on it which we always do. 
2. The check number was previously used by us years ago and it surprised us that Chase did not red flag these checks. 
3. On the back of the check the criminal put " for Deposit Only '' which becomes a restrictive instrument yet it did not indicate if it was cashed or deposited which only a teller can do by forgetting or intentionally skip the printing transaction type of the back of the check. 
4. The check signature was totally different that what we have on the signature card which can be compared to via Chase teller computer screen which is a standard practice for all the banks. 

Chase now is telling that they will do investigation for the next 60 days while others are only 15 days Complaint was filed with XXXX XXXX on XXXX XXXX, 2016 and no reference number was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I attended XXXX University in XXXX Florida. They called me several times and pursued me to attend classes. I believe they preyed upon a person who did not know what to do. They had me sign all these documents without explaining that it was going to cost me {$24000.00} for a few XXXX classes since I already had an XXXX degree from XXXX XXXX College. I believe this University is a scam and is overcharging students while engaging in predatory practices to get them to enroll. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We are working on a short sale and I am not getting any responses from the negotiator. 

On XX/XX/XXXX we were counter to increase the price to match the appraisal. 

On XX/XX/XXXX the buyers agreed and submitted the price increase On XX/XX/XXXX negotiator said she needed an appraisal I responded immediately " why do you need an appraisal when you have on and already countered '' I have not receive a response from the negotiator since and have sent several messages Last week I confirmed with a supervisor they have a valid appraisal good through XX/XX/XXXX and a new appraisal is not needed and yet the file is still at a stand still and my calls are not being returned.

Company response to consumer: Closed with explanation