vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: READY MORTGAGE LENDERS LLC
State: FL

Complaint narrative:
: " I XXXX XXXX and XXXX XXXX ( XXXX and XXXX years of age ), contacted XXXX XXXX, in reference to the hardship I was going through. He met us at my property located at XXXX XXXX. XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX introduced us to XXXX XXXX XXXX, Ready Mortgage, who offered me a reverse Mortgage, based on our economic situation and age. ( Please see attached document dated ). Throughout the 3 months delay Ready Mortgage was processing our Reverse Mortgage. We had to pay late fees approx. {$300.00}, to our Mortgage company, XXXX XXXX. Also Affected my credit at the Credit Bureau. Due to their 3 months delay, we had our house in danger of foreclosure. We had to pay to XXXX XXXX more than {$4000.00} dollars due to their delay on closing our Reverse Mortgage. We also had to pay the appraisal fees of {$320.00} plus upfront expenses. In addition, they wanted us to pay another additional appraisal fees, but we said " No ''. During the Reverse Mortgage process they requested some changes to our Home Property Title for us to qualify. The title change was made for a fee of {$800.00} dollars. Then, we had to get our Home Property Title rewritten correctly for another extra expense which we had to pay. The documentation requested in XXXX was never provided. " Due to Ready Mortgage delays and process our Reverse Mortgage they almost cause to put our property in foreclosure Affecting my credit at the credit bureaus with a bad note due to me. 

On 2014 though a XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX advertise to assist us consumers. 
I contacted XXXX XXXX, in reference to the hardship I was going through From his meeting at my property located at XXXX XXXX. XXXX XXXX, Fl XXXX XXXX XXXX XXXX to, XXXX XXXX, Ready Mortgage, they offer me Reverse Mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
I am a single, XXXX mother of an XXXX, XXXX child. My XXXX XXXX was being repaired, needed a new seal put in. 

Meanwhile, XXXX XXXX, XXXX had come to stay with us because he had XXXX and asked if I could help take care of him until he was better. He ended up being hospitalized for almost a week, but came back here until he could regain his strength. His cousin would come and pick him up most every day to go to the store for us. I gave XXXX my debit card to get groceries and such from the XXXX, grocery store, and convenience store when he 'd go. I NEVER gave him permission to get money from the ATM. That was my only way of getting our necessities at the time. XXXX had gotten better and left my home on XXXX XXXX. 

I began receiving Overdraft notices from the bank, but knew that I had not even paid all my bills for the month. I checked my mobile banking and found that {$75.00} had been taken from the ATM on XXXX XXXX, which sent my account into overdraft for XXXX. I ended up being charged {$72.00} overdraft fees due to XXXX transactions that I 'd made without knowledge of his withdrawal. I usually get paid on the XXXX each month, but it fell on Sunday, so I got paid on Friday, XXXX XXXX. 

I went to the sheriff 's dept. and did a police report, which I took to XXXX XXXX. I signed an affidavit stating that the money was stolen from my account. The outcome is that my claim was denied due to " Negligence to safeguard my debit card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I initiated a 15 year fixed with cash out loan with Bank of America around XX/XX/XXXX ( loan/application # XXXX ) with XXXX ( MLS # XXXX ) with initial credit score of XXXX and no mortgage on personal residence. Bank of America failed to close the loan within a reasonable period and had to restart the loan process around XX/XX/XXXX ( loan/application # XXXX ) with both XXXX and XXXX ( MLS # XXXX ). I timely supplied B of A with all requested material and have an exclusive banking relationship with them for over 20 years ( they had multiple information about me at their fingertips ). After endless amounts of delays by B of A, the rate lock expired and the closing costs soared by multiples. At no time, after repeated requests, did B of A offered to absorb the fee due to their delay. By XX/XX/XXXX a third application was submitted by B of A ( # XXXX ). However by XX/XX/XXXX I received a letter with conditional approval for loan # XXXX. I 've lost track of the number of applications/loans this bank started with me for a simple cash out 15 year loan with a customer of 20 years with all my business 's with them ( now former ). Unfortunately, they came back to me and said their credit score they had on me expired and they need to make another HARD inquirey. This knocked my score from XXXX at the start of this to my last score that I recieved to close this loan at XXXX costing me an addtional {$840.00} in closing cost by my closing with XXXX on XX/XX/XXXX since my score was less than XXXX ( premium level ). There was no other credit checks while this was going on. This also created an increase in origination fees from my original loan request back in XX/XX/XXXX with B of A relative to my final closing with XXXX on XX/XX/XXXX. I ask that B of A, one of the architects of the Great Recession reimburse me for the costs associated with their negligence. I have tried to negotiate with their supervisor ( XXXX NMLS ID : XXXX ) and their regional director ( I believe his name is XXXX ) he never returned my numerous phone calls ) to no success. I would like enforcement action for violations of Dodd-Frank laws, Federal Trade Commission, Office of the Comptroller, and any other enforcement agency to correct B of A behavior. It is quiet obvious they are still not taking responsibility for their deceptive practices and the costs it has on consumers like myself. My increased closing cost was near {$4000.00}.

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 monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Attending a Military school in XXXX can be costly, and at the time private loans were my only option into the school back in XX/XX/XXXX. I signed up with XXXX with a co-signer in XX/XX/XXXX when my financial aid could no longer aid me in returning back to school for the XX/XX/XXXX Fall semester. XXXX gladly help and thus i was able to resume my studies. By XX/XX/XXXX, I had to leave school due to being unable to join any arm forces due to a XXXX. I returned back home to XXXX and enrolled in a local school. By now, all my loans were being deferred since I was in school, only paying the bare min of the interest a month. I took a semester off in XX/XX/XXXX and planned to return in XX/XX/XXXX. After a 6 month period, XXXX hit me with my first repayment bill in XX/XX/XXXX. Only making min wage, I was unable to make the payments. No offer was made to me nor was I asked to fill out any form so that the monthly payments can be adjusted to my min. wage income. I had to ask for it and even then it was going no where. I was offered a 3 month period of total deferment. With interest climbing ever so high, all unaware to me. I was unable to take any more loans during that period and so returning to school was out of the question. I can honestly say, it has been a rough one year since XX/XX/XXXX with the over the top monthly charges. I was fortunate enough to get family support but it had to come at a price of struggling. XXXX, now Navient, never sought to accommodate to a adjustable monthly payment that would match my income at the time. I had just recently graduated college with a degree and on to further studies, manged to land a job at the hospital with a promising future. My biggest worry is XXXX unwillingness to accommodate to my income and therefore prevent me from moving on with my adult life. I have read many stories regarding XXXX loan borrowers and their struggles in repayment. I tried researching any legitimate repayment programs that can help but unfortunately private loans are not as easily helped as with federal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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:
It has been the longest while since I have had problems with JP Morgan Chase N.A.. First they discriminated against me and closed my account and they reopened it, then closed again. After arguing for it and proofing my innocence they accepted the fact that people can be Victims of Identity Theft! Now when applied for credit card, I received letter asking to lift my security Freeze from XXXX, which was done so. I contacted chase landing services and my credit bureau file was pulled by the representative. Due to personal level of dislike against me or discrimination, the representative has refused to move forward with the application and requested to have my XXXX file to be lifted. Chase representative has provided false information and unethically/unprofessionally treated me. I am tired of being a victim of discrimination by Chase. Just because of unfortunate fact of being a Victim Of Identity Theft, it does not mean that they can discriminate against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
based on document received from chase mortgage servicing unit aka as XXXX mortgages in XXXX Ohio XXXX Ohio chase whistleblower employees have been sending me documents relating to violations of uscfpb regulations regarding mortgage loan transfers from XXXX chase to jp morgan chase bank as well as copies of forged documents for oh XXXX to use in a fraudulent foreclosure after manufacturing defaults by not applying payments. now they and district manager XXXX of XXXX wa XXXX XXXX chase bank district manager have discovered XXXX of dollars on these documents being reversed and illegal fraudulent transactions and in chase computer that are being laundered through my mortgage escrow account calling them mortgage misapplication reversals and then applying them to unapplied funds and elsewhere. now they discovered the charging of property preservation disbursements to my mortgage account which only takes place if the owner is not taking care of the property and or a foreclosure. neither of which is true in m case. this conduct is consistent with the occ sanctioning chase mortgage servicing management for failure to comply with the national mortgage settlements and is consistent with chase bank now being a XXXX by the u.s. dept of justice Attorney General XXXX XXXX. it is time for the uscfpb and occ to gets its examiners into chase and start auditing my mortgage loan numbers of which there are XXXX and my escorw accounts as in cash accounting and all mortgages in loss mitigation which is chase euphemism foreclosure mill run by XXXX XXXX s.v.p and XXXX XXXX ceo of chase mortgage banking. we need cash accounting of which there is none in chase mortgage servicing to stockholders or homeowners. these practices violate the consumer protection law federal mortgage escrow accounting act. I have been complaining about chase escrow dept for five years. chase employees have erased all escrow information on my chase mortgage website and have not issued a detailed escrow transaction statement since 2010. the online transaction listing is a fake since it does not have an y internal misapplication reversals on it. no display of unapplied payments and no display of property preservation disbursements. the whole mortgage is a fraud the escrow is a fraud and I have docs from chase that may show my mortgage servicing is just a money laundering operation to steal my escrow funds and mortgage payments.and then XXXX them to XXXX as the occ has charged chase and XXXX XXXX of doing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'm asking/alerting  XXXX of Chase Bank to look into my concerns, and asking him to know what XXXX said he did not know was happening at XXXX Bank. I am XXXX of XXXX Social Security recipients, XXXX years old ( $1,133.00 ), per month' this is income per month. since I transferred my account from, "a,  "no branch bank", who promised free checking/checks, (Chase charges XXXX, to issues XXXX blank checks on my account.  A XXXX year old is not suitable for a, "no branch bank".  It is more suitable for a young high tech customer. This no branch bank, also allowed many bogus charges on my account to no avail since I could not personally explain the mistakes, wrongful charges on my account.  I went to Chase.....However while it may have been explained to me,there are hundreds, if not $thousands of dollars of overdraft fees each, XXXX approximately.  in some instances, (the no branch bank did not do this), example, I charged a XXXX for XXXX coffee that the card allowed. It resulted in another XXXX overdraft fee.The employees of the branches are very sympathetic but have said "XXXX we would reverse these overdrafts but we are not permitted to so, (i.e. XXXX),   I am asking both XXXX and the CPFB to review overdraft charges that I'm confsed about how I got, that have reduced my very precious, minimal XXXX, I deposit into the Chase account.  Does XXXX know that XXXX social security recipients are confused and afraid and embarrassed about this; yet the overdrafts amount to more than a third of our monthly monies.  Can you ask XXXX if he knows about us XXXX customers that he has that are so unable to be helped since Chase has prohibited the branch employees to protect our monies.  Unless and until this is researched, and hopefully redressed, (adjusted, I would like to see this resolved before I become XXXX of XXXX Social Security customers that will also complain to Senator XXXX and will investigate Chase Bank and asking XXXX to audit my social security direct deposit account. this is very frightening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. 

XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. 

I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX 

XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase, I appreciate all of your assistance regarding mortgage and explaining XXXX XXXX XXXX handled the foreclosure process in XX/XX/XXXX 
XXXX XXXX XXXX - appears to not be aware of bankruptcy proceeding until recently. 
XXXX XXXX XXXX - appears details may have not have been provided regarding foreclosure. 
Improper transactionmistakes and errorsappears to be a void-able deednotary revoked for code violationsappears to be a void-able eviction/unlawful detainer has wrong title sale number XX/XX/XXXXeviction during bankruptcy XX/XX/XXXX - XXXX and agents presented no bankruptcy documentseviction filed using title sale number foreclosure that was rescindedrecession shows bank was working with meinterest remained in propertymy biggest regret not paying mortgage to WaMu - as WaMu stated this was the only way to obtain a modificationAs well as any notice that Chase took over WaMu XX/XX/XXXX- XX/XX/XXXX - this may have prevented mistakes and errors that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial

Company response to consumer: Closed with explanation