vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been forced to buy flood insurance even though I am not in a flood zone. This is forced place insurance. I have protested since I fisrt got the loan. I have written XXXX QWR letters to Chase that I am not in a flood zone and have sent the proof. This proof was provided to the lender at the closing when I first got this loan ten years ago. I have paid {$6000.00} for this insurance. I want it stopped. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
We have been working a short sale with Chase ( Loan # XXXX ) for 3 years now. We have a legitimate offer on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Chase has countered several times and every time the counter, the buyer has agreed to meet the price they are seeking. We first submitted an offer on this property back in XXXX XXXX. We have lost several buyers due to Chase 's failure to review the short sale in a timely manner. They most recent offer we have been working was submitted in XXXX XXXX. Chase has just now advised us that " HUD has denied a variance request to proceed with the short because of the delinquency of the loan and they are proceeding to foreclosure. The Short Sale will be cancelled. '' This seems like fraudulent practices by HUD & by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
West Lake Financial with rip you off ... I had my loan ( around {$4600.00} ) since XX/XX/XXXX interest at 29.9 %. I was excited because I could n't get a loan anywhere else unless I put more money down. My loan was for 34 month {$200.00} a month and I paid a lot more when I could to pay it off quicker. I made my payments on-time for years until I lost my job XX/XX/XXXX. I was caught up with my payments until the last month which it should 've been paid off. I called them to get an extension for the last payment which they said okay ( but they did n't ). Contract ended in XX/XX/XXXX the next few days later. They actually came and repossessed my truck before I had time to make the last payment. Yes they waited until my contract was up to repo my truck after having it for 3 years of on-time payments. There is no way my contract was up before my loan was paid off. I only had one payment left on the loan. I called them and they said I was making {$2.00} payments a few time on my account so my balance was {$760.00} without they repo. No one would give me answers on why and how this happen when my bank account says different. YES they said I made {$2.00} payments, not to mention it cost {$5.00} to even make a payment online. Why would anyone attempt to make a {$2.00} payment and be charged {$5.00} to do that. If I had the money I would get a lawyer to sue these scammers. They pretty much robbed me. Not only did they do that, but West Lake Financial have not been reporting my on-time payments to the credit bureau or correct balance/credit limit either. WOW right. And to say I owe them seven hundred and something dollars when I know they auctioned it off for over two grand. I am lost for words. Do n't get loans from them please. They butter you up just to eat you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
When i go to XXXX I am getting " Very good '' odds to get approved for Chase Slate Credit Card ( as my credit score is XXXX ). Mostly XXXX is getting paid to advertise a particular credit card by credit card issuerers ( in this case JP Morgan Chase ). But when i got my refferral email to apply for Chase Visa freedom card - i do n't think i was approved for that. Now Chase will come with some weird reason not to approved my credit card application but if i am just rejected yesterday then Chase is paying XXXX to show me this credit card to apply for?? Moreover every such rejection impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/16 I accessed Chase website to check status of my mortgage payments. I noticed corporate fees accessed on my statement dated XXXX/XXXX/16 and XXXX/XXXX/16. My loan is currently due for XXXX/XXXX/16. Chase is in violation of Respa Act and FDCPA Act. I need to know what are the fees for. I have attached a copy of the statement reflecting these fees accessed on my account. 
Your help in resolving this matter would be appreciated. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was reviewing my ( 3 ) credit reports and found an error. It was information from Chase Auto Finance ( Chase Bank ). The reports states Paid, Closed. {$1300.00} written off. I contacted Chase in the earlier part of XXXX XXXX, stating that my car note was paid in full and not charged off. I received a response on XXXX XXXX, XXXX, indicating that I have paid off my loan and the title was also sent. By XXXX XXXX, XXXX, my credit report was still indicating " Charged Off. '' Chase sent me another letter on XXXX XXXX, XXXX, indicating that they would research and review the issue. On XXXX XXXX, XXXX, I received a refund check from Chase indicating that I overpaid on my car note. However, my credit report is still reflecting as " Charged Off '' and it 's listed as a negative account. I am only requesting that the information be updated and as paid in full and not " charged off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I ordered a printer online with shipping included in the price I paid to the vendor. It was delivered by XXXX as scheduled by the vendor. Several months later I received a bill for {$50.00} for shipping ( exhibit A ). Then I received a collection notice from a debt collector ( exhibit B ). I sent them a letter stating that it was not a valid debt ( exhibit C ). I received another collection notice after that ( exhibit D ). Then I received another past due notice from XXXX ( exhibit E ) and a copy of the Bill of Lading ( exhibit F ) and a copy of the Delivery Receipt ( exhibit G ). 

On the bill of lading it clearly says Freight Charge Terms " prepaid ''. Under third party freight charges bill to it is blank. 
On the delivery receipt it says " prepaid - will invoice third party ''. 
In tiny print above that it says by accepting the delivery you agree to be responsible for any additional charges. 

I was never informed that there might be additional charges. I would not have accepted the delivery if there was. 
The reason for any additional charges has never been itemized or explained. 
It clearly says prepaid - bill to third party. I 'm not the third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA

Complaint narrative:
My mother took out a loan for my college education with the Highe Education Student Assistant Authotrity in 2009. They made it seem that they were offering a federal loan. They sell themselves as being entirely affiliated with the state of New Jersey ; the state emblem and a picture of XXXX XXXX are on the front page of the website. They are, in fact, entirely private and I 'm filing this complaint because they 're misleading. I 'm also filing this complaint because they do n't offer income-based repayment or consolidation. They 're demanding more than {$1000.00} per month from me, a ludicrous amount for a new graduate, and there does n't seem to be any chance of paying anything less than that, ever. Negotation is out of the question. Their truly despicable customer service is part of this complaint but is the most insignificant. They present themselves as being federal but are neither federal nor private, they 're something else entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I am reporting to you a Complaint against Selene Finance XXXX XXXX XXXX - Loan # XXXX ) who has fraudulently reported me to the Credit Bureau for a mortgage loan debt that was discharged on XXXX XXXX, 2013. The Chapter XXXX case number was XXXX. The Honarable XXXX XXXX XXXX was the United States Bankruptcy Judge granting the dismissal. This loan has been transferred to three different Servicers in the last year. Selene previously reported it to the Credit Bureau but removed it after being informed by the Trustee of the Case. They just reported it again. It has caused me to be turned down for an auto loan, and to be approved for a lease on a new apartment. Their reporting dropped my credit score XXXX ( XXXX XXXX points. No other Lender has done this to me accept for this non-bank Servicer, inexperienced in Loan Servicing Matters. The are also guilty of " Dual Tracking '' as they are considering me for a HAMP MOD, while continuing to move forward on foreclosing on my property. Please help me resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Mailing XXXX XXXX XXXX XXXX Florida XXXX : XXXX Financial Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I refinanced a mortgage through US Bank in XXXX 2015. In order to get a XXXX bps reduction in the rate I was told I needed to open a checking account in a branch. I went into the branch to open my account, and the girl opening the account offered me another credit card ( I already had XXXX from US Bank for several years ). I told her I was n't interested, and a week later I received a new credit card in the mail. After calling the branch manager to find out what happened, he said " she accidentally pushed the wrong button. '' XXXX it takes more than one button to open a credit card -- more like a few dozen. After assuring me that the card would be closed and it would not reflect on my credit bureau, it now shows that I opened a card and closed it the same month on my XXXX report. Fraudulent accounts being opened by bank employees is not just limited to XXXX XXXX -- they were just dumb enough to get caught.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I made XXXX balance transfers to my Elan credit card of {$300.00} each from my XXXX and XXXX cards. Their system sent XXXX transfers of {$300.00} to XXXX and XXXX transfers of {$300.00} to XXXX for a total of XXXX balance transfers which gave me account credits on both cards since I owed less than {$600.00} on each. When I called and asked them to correct the problem, or refund the additional {$11.00} for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my other cards return the balance transfer. I called XXXX to ask for XXXX of the transfers to be returned, and they informed me that it is not possible because it came through a credit processing company, not as a charge. I would have to pay 2.5 % for XXXX to send the transfer back as a balance transfer. XXXX also told me that since is it is a balance transfer, which do not have the same rights as purchases, that I can not dispute the charge nor can they return it. Both XXXX and XXXX told me the only way to reverse the charge is for Elan to do it.

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 2016-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Had a mortgage ( home equity ) Loan with US Bank. This since XX/XX/XXXX. XX/XX/XXXX I sold my house, the house that secured the note. I received a lien release and a letter saying it was paid off. A few years later I am in US Bank and have a casual with the bank president. He tells me the Line of credit is still open ( {$95000.00} ) ( minimum fixed rate of 6 % ) and that I should use it ... .I tell him I am unemployed and could not pay it back ... ..He tells me that if he did n't loan money to people who could not pay it back he would never make a loan! He insists I can use it to get over the rough spots ... .. and not to worry about paying it back ... ... well now the {$95000.00} is due ... .They changed my payments from {$350.00} to {$1300.00}. It is just a signature loan now ... .. 
This jerk enticed me to borrow the {$95000.00} from US Bank knowing full well I had no job .... 

Is there anything that can be done?

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