vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.

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 2015-11-05 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said " no she lied to you '' ... ..How does that benefit anyone? 
Bank of America is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28 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:
Our insurance company issued a check for collision repairs to our vehicle. The check was written in my husbands name & our finance companies name since the amount was over {$5000.00}. This check was not signed by mys husband and the finance company cashed the check anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of JP Morgan Chase Credit Card Service fraudulent, erroneous, deceptive and misleading debt collection practice. Per the Consent order that JP Morgan Chase signed with the Consumer Financial Protection Bureau, I am requesting that chase remedy and remove all erroneous information from my credit file immediately and refund me the over {$6000.00} in payment that I erroneously paid to Chase. I have previously contacted Chase Credit Card Service to remove the fraudulent and erroneous credit card information from my credit file, however, Chase Credit Card Services has been constantly lying to me and telling that its information is correct even though Chase Credit Card Services knew that its record keeping information was false, misleading, erroneous and deceptive. This erroneous information by Chase Credit Card on my credit reporting is adversely affecting my ability in obtaining new credit and other negative implications. I am asking Chase to delete my entire credit file because it is erroneous and continues to adversely affect my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
( 1 ) Seller sold ( FHA Loan ) home without a C/0 Certificate of occupancy. It state in the contract that the home should have a C/O by the closing date. my lawyer stated that home had a c/o ( not true ). Is been 3 yrs since i bought the property located at XXXX XXXX XXXX XXXX NY XXXX. Purchased XXXX/XXXX/2012 by seller XXXX XXXX XXXX ( owner XXXX XXXX ) located XXXX ny XXXX phone XXXX Sellers Attorney : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Tel. : XXXX. The lawyer representing me was XXXX of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX. XXXX XXXX XXXX was suspended for fraud. This lawyer was working with the seller to commit fraud against me. 

From my understanding an FHA loan requires a home to have a C/o in order to approve the sale. 
This sale was fraudulent in every way. Many things were promised and presented that were not accurate or true. 

i was given a roof warrantee that was not honored. Home basement has a flooding problem. Hazardous

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
They called my work about a month ago and they were advised by me telling them to stop calling my work that I can not receive them at work. They preceded to argue about it then stated that they would stop and obey my request and the law. 

Well today they did it again. My husband called them and let them know they broke the law. They preceded to try and talk down to him and then stated my entire credit history saying why do I not pay my bills. My husband advised them again that they broke the law and we can take them to small claims court. They went back and forth and XXXX XXXX ( caller ) continued to bring up my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XXXX/XXXX/16 I rented a car from the XXXX Car Rental desk at the XXXX Airport desk with for a vacation ultimately ending in XXXX where I would be dropping the car off at XXXX Airport 's XXXX location. In XXXX, the counter person ran through the rental information with me quickly only explaining the Liability Insurance I could purchase in addition to the rental, which I did. While driving from XXXX to XXXX I was traveling south on XXXX when an XXXX passed me and kicked up a pebble which hit the windshield, causing a small chip. I immediately drove the vehicle to the XXXX XXXX Location asking for assistance where I was rudely turned away. When I finally arrived in XXXX to return the car on XXXX/XXXX/16 I was told that I did not accept the correct insurance ( Loss/Damage ) and that XXXX XXXX ( the privately owned location who owned the car ) would make the determination whether to file a claim or not. The counterperson in XXXX believed that no claim would be filed. 
It was n't until XXXX XXXX was I notified that a claim would be filed. I received a phone call from XXXX XXXX XXXX whom was handling the claim on XXXX behalf. After this call I immediately contacted my US Bank Visa card company to file a claim. During that call, I was informed that you must file the claim within 45 days of the incident, but when I explained to the customer service representative that I was only hearing via phone that a claim would be filed 2 months after the incident, the representative told me to submit any and all claims paperwork I receive. I finally received a letter indicating a claim would be filed ... not an actual claim, with no mention of exact damage/replacements needed on XXXX XXXX ( dated XXXX XXXX ). I forwarded this information to US Bank Visa per my instructions. I received the itemized claim on XXXX XXXX ( dated XXXX XXXX ) totaling {$590.00} and before I could submit this form toward my claim, I was called by US Bank Claim Services that my claim was denied because it is outside the 45 days. That said, I did submit the proper paperwork within 45 days of when i was notified of XXXX 's desire to peruse the claim.

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 2016-01-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I paid my Chase-Southwest Airlines credit card on time as always, arranged online through my bank. I apparently typed the amount off by {$10.00}. This resulted in a $ XXXX+ finance charge for late payment. When I protested, they said this is a legitimate charge, as the late fee is on the full amount of the invoice, which was 0ver {$2000.00}. Is this allowed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Consumer Banking ( Chase ) XXXX XXXX XXXX XXXX XXXX, CO XXXX where we have had a business checking account for the past 20 years and regularly make monthly deposits has refused to honor and pay for a deposit made XXXX XXXX, 2015. We have a list of checks from clients deposited on that date along with a deposit Transaction Summary issued by Chase showing the Account Number and that a checking deposit was made in the amount of {$2300.00}. This problem was discovered some time later when a bank statement was received in XXXX 2015. We contacted Chase, informed them of the problem and presented the above information to them. They, we assume, did some analysis and later informed us that they do not know what happen to the checks in the deposit on that day and that they would need to move the issue to more senior management. In XXXX of this year we received a letter from the Chase Executive Office, XXXX TX apologizing for the problem, informing us that we had withdrawn the checks after they were deposited and, therefore, there was no deposit made that day. This is completely fiction and false, we were never informed by the local Chase that this happen because it never did. As mentioned above we have made client check deposits each month for the past XXXX years and have never withdrawn a deposit at the time of deposit or anytime thereafter. We continue to call the local Chase and try to get some resolution. They continue to inform us that senior management will be calling us to hopefully resolve the issue. To date the only contact we have had is the above mentioned letter and obviously no deposit money. The issue is now a year old and we need the money to try and continue our business. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my credit card per our agreement, but the bank continued to automatically charge my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
To whom it may concern, I am submitting this dispute due to the fact that I had submitted a dispute pertaining to an outstanding " corporate balance '' Fay Servicing was indicating of {$21000.00}. Fay responded to have removed {$9600.00} however Fay servicing is now indicating the outstanding balance is {$11000.00} in an escrow shortage. A couple of years back I had specifically recalled Fay deciding to pay my property taxes and insurance, they had begun impounding them. I was accessed the shortfall over a period of about 2.5years to cover the payment they had made to the property taxes and insurance the first year they began impounding. They collected the approximate {$12000.00} plus the monthly impound payment over a 2.5years period because it was a substantial balance that I could not pay up front. I would have appreciated they dug in further to review that I had in fact paid that impound shortfall. I need Fay Servicing to do a thorough analysis of my impound payments as they are not doing so. 
How do these servicing company 's get away with imposing " corporate '' fees without doing their due diligence. It is such a shame there are borrowers that do n't question these predators, that are out to ensure the best interest of the note holder not the consumer. 
I was recently re-accessed in my impound account once again because Fay did not properly collect enough the year prior yet they sent me a check of {$700.00} that very same year, to note there were no increases to either my property taxes or insurance. Fay Servicing 's impound department does not seem to be very organized. Is there any regulations or audits that can be done on the servicer 's impound departments to avoid these types of aggravations? These huge errors pose a major financial burden/problem to consumers. 
I am in the process of refinancing my mortgage to relinquish further relationship with Fay Servicing. I would appreciate an investigation be made, this experience has been a nightmare to deal with. I will go through my record 's to pull out all the detailed information pertaining my impound assessments. 
I look to have this matter resolved immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation
State: WA

Complaint narrative:
Repeated robot calls for a different person of my last name only. They are using me for there fishing expedition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Primary Capital Mortgage, LLC
State: LA

Complaint narrative:
I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: GA

Complaint narrative:
PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from me.

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 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I opened a premier checking account with First citizens bank. Then on XXXX send them a mail after talking to them that convert into a free checking account. But it is still not done. To my surprise this bank charges for phone calls made to it for customers ( they say that they do n't charge for the first XXXX phone calls but then charge {$1.00} even for automated system ) ... this is absolutely ridiculous way of making money. 
Till now my online account says that it is not converted into the free checking account. Why??? Moreover because the online website is not good - customer will be calling to make sure but will they be charged? Where in the world these folks are living?

Company response to consumer: Closed with monetary relief