vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a wooden trunk while traveling in XXXX with my credit card thinking it would be covered by purchase protection. The merchant arranged the shipping to the USA. It arrived months late, broken, dirty, and damaged. I reached out to the merchant myself on multiple occasions and they did not respond. I filed a claim with chase when I returned from my trip, and they did not reimburse me as they should have. They also did not respond to multiple requests explaining why my claim was denied. Chase says they reached out to the merchant on my behalf, but they are not offering any purchase protection on their end as they promised me. I feel like I have been cheated and lied to regarding purchase protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I deposited a check via in the amount of {$1200.00}. While I was in XXXX, a person by the name of XXXX XXXX stole my check and deposited it into their account on XXXX XXXX, 2016. 

Chase Bank then withdrew {$1200.00} from my account as a memo debit and I inquired about having my funds returned. I asked to speak with fraud and to file a claim but they told me that they were not able to file a claim at all since the thief has the physical check. The check was issued to my name, " XXXX XXXX XXXX '' but Chase was unable to help with my issue. I filed a notarized document with the issuer of the check and have yet not received any feedback if my funds will be returned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
m account was hacked and the bank froze {$500.00} dollars of my money on XXXX XXXX 2016 they still have not put it back in to my account when I talk to the FRAD DEPARTMENT THEY TILL ME IT GOING TO TAKE LONG IT BEEN OVER THIRTY DAYS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Recently I learned some very disturbing information regarding my mortgage. I discovered this information because I am trying to avoid foreclosure. For the better part of this year, I learned that the entity attempting to foreclose on my home, is most likely without authorization to do so. As a result of that, I ordered a Property Securitization Analysis Report and I learned things were definitely not done according to the statutory foreclosure laws in the State of California. As a result of further research, I learned that the right to rescind my loan transaction was still available to me due to the fact that my loan transaction has never consummated pursuant to California Code of Civil Procedure section 1550. On XXXX XXXX, 2015 I took the first step in rescinding my loan by sending a letter of rescission to my servicer, Caliber Home Loans. Caliber Home Loans received the letter on XXXX XXXX, 2015. Pursuant to the Federal Truth In Lending Act, Caliber and/or the creditor was suppose to file a lawsuit against me within 20 days of the receipt of the letter and/or take the necessary steps to release and/or reconvey the deed of trust. They have failed to take any action to be in compliance with the Federal Truth in Lending Act. On XXXX XXXX, 2015, I mailed to Caliber a Notice of Non-Compliance, they have still yet to comply and they are attempting to foreclose on a deed of trust that has been canceled by operation of law. I do not understand how they can attempt to foreclose on a deed of trust that is null and void and yet blatantly disregard the law. I filed a complaint back in XXXX on another issue and I do not know what transpired on that complaint. I am filing this complaint with the Consumer Financial Protection Bureau because there is a clear violation of law and I hope that you can assist in this matter. It appears Caliber Home Loans will not adhere to the guidelines and laws that are set out before them unless there is a higher intervention. Violation of federal law simply can not be ignored. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Was trying to use my Debit Card on XXXX/XXXX/16 and was declined. Checked online banking and received notice that my account has been frozen. I called cusotmer service and they said my account was closed but they could not or would not tell me why but no withdrawals or deposits could be made on my account. Was not given a courtesy call from the bank letting me know what is going on. Went to the branch on XXXX/XXXX/16 and was told the same thing. Yes it is frozen and will be closed and you will receive a letter and any remaining funds in the account in about 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mortgage lender is refusing to cancel private mortgage insurance from my loan. The loan to value ration of my mortgage loan is less than 80 %, I am up to date on my payments and I have never been late, and I have requested cancellation of PMI in writing from them. I made extra payments on the principal of my mortgage loan to bring it down below 80 %. It has been slightly over one year since I purchased my property. My mortgage lender claims the loan to value ratio must be 70 % instead of 80 %. I have a conventional mortgage loan with a fixed rate and I believe I am entitled to cancel PMI once I have paid the principal balance of the loan down to 80 % or less of the value of the property at the time of its purchase. The value of the property at the time of its purchase on XXXX XXXX, 2014, according to appraisal used by the lender was {$160000.00}. The principal balance on my mortgage loan today is {$120000.00}, which is 79.95 % of its value. The value of my property has not declined in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/15, I contacted Chase claims department, and spoke to XXXX XXXX. I explained to XXXX XXXX about an unauthorized charge on my chase account in the amount of {$99.00}. XXXX XXXX requested my name and account number. XXXX XXXX then asked me about the company I am making a complaint on. XXXX XXXX looked up the charge and stated that I made an agreement with a subscription company. I informed XXXX XXXX that I never made an agreement for any services rendered to me nor singed anything with the merchant. I then informed XXXX XXXX that the company, XXXX offered me a 50 % refund instead of the full refund and I refused. XXXX XXXX then expressed to me, that he can not help me to dispute this claim, since I refused the merchant 's refund offer. XXXX XXXX aggressively and sarcastically insisted, I call the merchant to speak to the supervisor to request a refund. I did and they refused. XXXX XXXX then informed me that he is done with me. I am very disappointed and upset how XXXX XXXX did not solve my issue with the merchant being on their side and not mine. XXXX XXXX also never spoke about a couple options to satisfy my anxiety, of the unknown charge on my account. XXXX XXXX just talked over me, not giving me a chance to explain my part on the unauthroized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I mailed a RESPA Qualified Written Request to Chase ( XXXX ) in XXXX Ohio. The letter ( with a copy of the original application form ) was a follow up to correspondence from Chase which included a copy of a loan application with a number ending in XXXX. The application also referenced and entity XXXX ( XXXX ) in connection with the same number ending in XXXX. Our letter sent XXXX XXXX, made the following request : " Please provide the XXXX number for the herein referenced APPLICATION for a Chase Home Equity Line of Credit. To date no acknowledgement or response has been received from Chase in regard to this request for information pursuant to RESPA 12 USC 2605 ( e ). Our correspondence was sent via US Postal Service with the tracking number XXXX and was delivered according to the USPS website on XXXX XXXX, 2016 at XXXX XXXX in XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Could not afford modification terms so I filed for short sale and received an offer. The mortgage company denied the offer and now I am not getting any offers, I changed the paperwork to deed in lieu of foreclosure and have been calling the company XXXX week to find out what the status is. I am being told I am not able to talk to the correct department because my file is closed. I have been kept on hold for up to an hour well a different department tries to figure out what they can do to get this file going. No one know what to do or where to send me and I keep getting transferred to other areas or disconnected only to call back and start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC
State: CA

Complaint narrative:
I applied for car title loan in XX/XX/XXXX, recently my car broke down and could afford to repair it and pay my monthly care payment I had previously paid it off in XXXX also paid off XXXX other title loans at this same location faithfully and on time. My car broke down XX/XX/XXXX my payments were due by XXXX of every month I explained I could not afford the care payments no more and would like to do a volunteer repo to what they told me is would be towed and auction off and what ever balance I had I wold make payments after they sold the vehicle since they refused to pick up the car by XXXX they extended my payout date till XX/XX/XXXX again I ask them to repo it without getting further late fees the refused the car was sitting there for a month I called pls on XX/XX/XXXX XXXX they told me they gp pick it up on XX/XX/XXXX they had me take the bus to where the car was so the manger can see it I told him it was n't working he said they will come pick it up tonight and repo will collect the keys no one came out On XX/XX/XXXX at XX/XX/XXXX I called the car still there I ask if they can please come pick it up no one return my call I am disable and pushing my self to keep going out there and seeing if the car was there the city might have taken it for abandment I repeatedly told them the care still there if they can pick it up I called pls on XX/XX/XXXX at XX/XX/XXXX told them please can they pick up the vehicle the city might tow it away then XX/XX/XXXX I finally did n't see the car they picked up the vehicle I longer saw the car I ask what the status was they never got back to me I called ON XX/XX/XXXX at XXXX I ask what 's the status on the car no ones called to pick up the keys and no letter confirming of it being towed or auctioned they told me a manger will be calling me back no ones called me back or voice message it going on for 3 almost three months since their pro longer this process and very stressful I just came out of the hospital on XX/XX/XXXX I tried to get of hold of them about the status and what my balance is or give me back my title and make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City was written on XXXX XXXX, 2016 and asked to provide full legal validation/proof of this alleged debt. They never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to XXXX, who then sent it over to their attorney office, Maury Cobb located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called XXXX in order to dispute the debt. XXXX told me that I had to go through Cobb for anything further since the account was transferred over to them. I have now been in contact with Cobb for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called Cobb 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in Cobb 's hands that they need to be the ones to send me a dispute validation. Cobb 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation