vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2016 I deposited {$1600.00} from my XXXX checking account into Wells Fargo checking account. This money was to cover my mortgage payment which is automatically withdrawn by WF on the XXXX of each month. Several days before the XX/XX/XXXX I rec 'd a copy of the check back from Wells Fargo with a return reason " refer to maker ''. I quickly went to my nearest XXXX branch, where I had to withdrawal {$1600.00} in cash and deposit it into Wells Fargo or my mortgage payment would have been delinquent. I spoke to the manager at XXXX and showed him the copy of the return check. XXXX claims ( after a full investigation ) the check was never presented to them. They would have absolutely no reason not to honor the check, it was made payable to me, and it was coming out of an account with {$10000.00} in it, more than enough to cover the check. However, Wells Fargo continues to point the finger at XXXX stating that " there must have been something about the check they did n't like ''? ( WF branch manager 's words ). In light of the fact my mortgage account has been handled so poorly these past several months by Wells Fargo I fear that once again a mistake has been made on their end. I still do not know where this check is ( check no. XXXX ) nor can they tell me where the check is? It could have been an electronic error on their part but they are not taking responsibility or giving me any answers, other than blaming XXXX for not accepting it. This could have had an adverse affect against my credit standing, as I have had other problems with this bank which has potentially compromised my credit history ( previous complaints also filed with the CFPB ) never really receiving satisfactory answers. They just rehash and rehash the mechanics of the incidents, without really giving an adequate explanation as to why they take the action they take without proper and timely disclosure/notification. So here we go again .... I have very little confidence with this bank. I would like to know what happened to my check.

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 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase incorrectly entered an account number from a payer 's check deposited into my account on or about XXXX. This wasted two hours of my time, caused the person issuing the check and I grief when Chase wrongfully entered an account number from the XXXX XXXX account. I went to local branch and spoke with private bank gentlman who called the fraud department that had sent me an email saying my account was flagged and that all deposits would be monitored. They told him they could not located the payer 's account number. They have hit my account for below minimum fees and caused me major aggravation. Only after I called myself did Chase allegedly call the issuing bank and claim to rectify the issue. The service person from XXXX at Chase confirmed it was an error on their end. This is disgusting that Chase could n't figure out to call the issuing bank directly. It took them 6 days from deposit to figure out that there was an issue and it turned out to be an issue on their end by entering the wrong account number. The threats to review and hold up my deposits is totally unwarranted as is holding the monies until the XXXX. See the attached email from them. If I had not Chase on my own, after a failed visit to the actual XXXX XXXX branch, and beseeched them to call the issuing bank this would be pending forever. I 'm still not sure if they have fixed this mess. Why would n't they know to call the other bank without my telling them? Utterly disgusting. Bank reform desperately needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: COAST PROFESSIONAL, INC.
State: MI

Complaint narrative:
In XXXX helped my daughter get a loan, the gal told me because I did not have employment or received income tax refunds my daughter would be eligible for a higher grant.Her Father was the sole provider for our family until his passing in XXXX .The gal stated I was considered below poverty the grant would help my daughter.i have NOT received a bill on this. The IRS informed me I had a tax offset taking my entire refund and applying it to a collection agency for Dept. Of Ed. I am now the sole provider for my XXXX YR old grandchild and I received the XXXX for the sole purpose of caring for her.my daughter has her loan in deferment so she had thought that was it, like I said I have not been sent a bill, when in fact all these people I have contacted concerning this issue including the collection agency DO HAVE MY CORRECT ADDRESS.I believe I was falsely certified for this loan as I 've only filed income taxes this will be the second time in my life and I 'm XXXX years of age.The Dept.of education nor the collection agency has notified me of this issue.Like I said my daughter 's father was the sole provider for our family, until he recently passed away.Ive researched ALOT on this issue and found on dept.of Ed that if a payment has n't been made on a loan in 270 days then the loan will go into default..Dept. of XXXX informed me that the loan went into default on XX/XX/XXXX, AGAIN I 've received nothing on this loan .So it has been since XXXX it is now XXXX that 's roughly around XXXX some odd days, my question is how did this just now go into default then? Federal law requires you must be given advanced notice of proposed offset including the nature and outstanding debt, the notice must also advise you of your rights, AGAIN I 've received nothing.And the collection agency took my tax refund for the debt.On my refund I was only untitled to the XXXX for my XXXX YR old grandchild in my care nothing more, nothing less.I am in a financial hardship as I 'm now unemployed and expected that refund to get back on our feet for my granddaughter and I .I am requesting a tax offset refund request from the collection agency as they nor any other institution has informed me of this .I 've filed several complaints and still waiting.i could have gotten a deferment also had I been informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I modified my mortgage. I had my own home owners insurance and Chase added their mandatory insurance. Chase refused the payments for the amount stated both in my modification and on my statements. After speaking to several reps XXXX rep stated the modification was not executed properly on Chases end and they would fix it, by sending out new docs. Docs were never sent and Chase started foreclosure process. Chase agreeed after filing bankruptcy to allow me to make 12 months of payments and then Chase would reinstate my mortgage, once again Chase refused the payments all paymenys were sent in money ordes to the forclosing attorneys office, as directed by Chase. Five months into the agreement Chase is trying to record a foreclosure from XXXX five months prior. They also told my insurance I no longer own the home and to cancel my insurance while Chase once again added its force home owners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A bank fraud was committed on XXXX XXXX around XXXX that wiped out {$710.00} from our checking account. An SMS message was sent by Chase 's automated fraud protection at that exact moment and we immediately responded that we did not process a money transfer. Out of concern, we contacted them by phone immediately. They supposedly put some sort of bank hold on the account. 
The next morning, we went into the Chase branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to close and re-open new bank accounts. A bank officer named XXXX XXXX had us fill out paperwork ( see attachment ) and told us that our monies would be returned in 2 days max. No provisional credit was offered. 
This is where everything went wrong. 
XXXX - No money received from bank. This is 6 days later after reporting the fraud. XXXX re-faxed paperwork and said they would expedite payment. 
XXXX - No money received from bank. XXXX passed us to a different officer name XXXX XXXX. XXXX made phone calls and told us that at a certain Chase division had not received any faxes from their branch. It was re-faxed a third time and XXXX confirmed the receiving of the paperwork and assured a quick resolution. 
XXXX - No money received from bank. XXXX stated that we would have our money by the end of the day. 
XXXX - No money received from bank. XXXX seemed cooperative and determined to get our money, but again nothing happened. 

XXXX - No money received from bank. It is now 13 days since the bank fraud wiped our account. No apologies. No provisional credits. XXXX spoke with a different Chase Dept. who now tells her we would need to wait another 3-5 days for monies to be placed back into our account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I XXXX have a vast knowledge on internet security and best practices for protecting my accounts. I am not certain how this fraud occurred and Chase Security has n't been forward coming on their information. 
All I know is that Chase was informed of the fraud within the hour of it occurring. Based on my immediate notification of the fraud, Federal Regulation E Section 205.11 states that I should have received my monies within 10 days. This has not happened. 
My time is valuable, and I have now lost more money battling for my funds than anyone should have to endure. 
Chase Bank 's Quick Pay system is to blame for this unauthorized EFT. A feature I have never used and works by sending an email to anyone you want to transfer money to. Obviously, this system is flawed and allows a non-chase bank account holder to quickly receive funds and then close their temporary bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NJ

Complaint narrative:
I XXXX XXXX XXXX filing a complaint with the Consumer Financial Protection Bureau against a state agency that is operation outside the legal requirements of the Fair Debt Collection Practices Act. The debt in question was originally procured with XXXX Student Loans. Now there is no knowledge of what entity owns the debt because the debt was private and sold off into a securitized trust. The New York State Higher Education Services Corporation claim that they purchased a privatized debt. They have shown no proof of ownership, nor can they show ownership. They are essentially operating as a debt collection agency, fully outside the constitutional limits of a state to maintain a separate collection service for private debt they have XXXX collateral interest in. Accordingly, I demand an immediate cease and desist on all calls to my home or work, and the only correspondence I will accept is proof of ownership of a debt is impossible to own. The NYSHESC state on the attached letter that they purchased the debt from XXXX Student Loans. This is a complete falsehood that can not be proved. I demand an immediate cease and desist from this state agency immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I 'm a XXXX. XXXX, I changed my password to my online business banking profile at Chase. Since then ... 
XXXX My Quickbooks online account will no longer automatically download my banking transactions from Chase, even after I changed my credentials in Quickbooks XXXX I 'm now paying my bookkeeper to perform manual downloads of banking transactions from Chase, followed by manual uploads of the transactions to Quickbooks XXXX I 've opened a case with Quickbooks ( # XXXX ), and their customer service claims there is a problem with Chase XXXX Quickbooks has partially refunded my subscription, due to this issue & gt ; No one at Chase can provide me an answer on this particular issue XXXX I 've read a XXXX story that indicates Chase is now blocking services like Quickbooks, here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We received a Chase/Amazon Credit card without our request, approval authorization or knowledge on XXXX/XXXX/XXXX. We called Chase and terminated the card immediately. They advised us to place a 90 day alert on our credit card. Since the recent fraud issues by XXXX XXXX, and since the card was not requested, we are concerned. Someone accessed our Credit Information without our knowledge. Your complaint data base has other complaints against Chase for those who like us already have a chase credit card and were issued another card without their knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Good evening : I took out approximately {$42000.00} in the early XXXX, and I have been paying for over 19 years, and now I owe {$54000.00} ; and I ca n't seem to understand why my principal never went down at all after all this years. Another thing is that I worked out a change on my student loans, to make my payments more affordable at the beginning of the XXXX ; and now without my agreeing to it, Navient change all the terms of the loans, back to the XXXX, when I could not afford them ; I get the impression that they want me to default. I asked them for a complete print out of all of my loan transactions over the years, and any changes to my loan terms ; to see if I can understand what is going on with my loans. The loans just keep increasing, and 19 years have gone by and there is not change ( I guess every time I took a forbearance, I had to pay the interest and then pay interest on the interest ) ; I also think that I should have the right to review and signed any changes to my note since I am the borrower. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
In fall of last year, I opened a credit card with AmericanExpress. They were concerned after I used the cardthat I was a security issue, demanded to contact mybank, etc. I canceled the card and they said they wouldcancel the $ 75 yearly fee. They keep sending mestatements charging me this fee, even though the cardis canceled. My credit score is now being affected bytheir reports to credit bureaus. I do not owe them anymoney and have called multiple times. I asked in earlyXXXX for evidence the account has been canceled, itis attached, as well as recent statements.

Company response to consumer: Closed with monetary relief