vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I dispute that I authorized as a co-borrower on this loan. Furthermore, I have never received any notice of any bill, neither have I ever received any correspondence with regard to late or other adverse actions regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My XXXX year old mother wanted to purchase a chair lift. We found out that XXXX XXXX XXXX had one in stock. When we went to get the item we were told that the item is NOT covered by medicare. However, after contacting medicare we were told that it IS covered by medicare and that the item should be returned and that XXXX should directly bill medicare. When I notified the credit card company of this situation, they called XXXX and were told that they would not agree to the return. This is medicare guidelines, it is not up to the provider of services. They have added interest month after month and late fees. They call numerous times during the day and this is very upsetting to my mother. Please help me resolve this issue so that she may have piece of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hello, So I applied for an XXXX card around XXXX of this year. My account with Chase was put on hold for review. I got a call and answered some security questions, they told me that I was going to get another call in the next 24 hours. Never got the call. Called several times after to get my account cleared, stayed on hold for over an hour many times. On three different occasions I was told by Chase representatives that I successfully completed the identity verification but they could not unlock my account, so I was supposed to get another call in the next 24 hours. They put all my accounts on hold, but that is not all. I also have a British Airways Visa card from Chase, I had put a few bill payments on it a couple months before this happened and I paid it in full. About two months ago I received an email from my bill payment service that I had disputed a few transactions, which I never did and I told them that. Long story short, my payment provider lost the claim and we lost over {$3000.00}. I called Chase several times but they do not want to speak, hold times for the fraud department are really long, when you do get a hold of someone they can not help. I do not care if I kept the accounts with Chase, but they crossed the line. They disputed a transaction on my behalf without my consent, right now I have to pay my payment provider over {$3100.00} for something that Chase stole from me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I bought my house in XXXX. 
I did a refi with Chase in XXXX. Rate was 8.1 % I am a small business owner. In XXXX my business was slowing down and did n't make the money I used to. I tried to refinance with Chase but was declined because I was a small business owner and did n't have enough equity in my loan. I called Chase XXXX XXXX to apply for the Home Affordable Modification Program ( HAMP ). I clearly qualified for the program based on the guidelines and I wanted to keep my home. After XXXX months ( XXXX of phone calls ) they finally told me that I was NOT APPROVED for HAMP. In XXXX XXXX I finally missed a payment due to my financial struggles. I tried for HAMP again. 
Finally got approval in XXXX XXXX for 2 % rate going up to 5 % by year XXXX. I made XXXX trial payments on time. After the trial period they sent over the " official '' terms of modification. It really was n't helping me stay in my home as it was putting the money I save in interest onto the loan. They said if I did n't sign that the only program I qualified for was Home Affordable Foreclosure Alternative ( HAFA ) short sale. I do n't understand why, I made all three payments on time and I wanted to keep my home. 
On XXXX XXXX XXXX I rcvd a letter from Chase that said they would pay me {$20000.00} to sell my house. 
I agreed to the HAFA program as I had no other choice and Chase was now threatening to foreclose if I did n't. As part of the HAFA program, Chase told me there are no payments to make as long as I followed the guidelines of the program. I listed the house with a realtor. 
XXXX I had offer that was accepted by Chase to sell house for {$230000.00}. Just before closing Chase sold the mortgage to XXXX. Short sale with Chase never happen. 
House sold XXXX months later with XXXX as the servicer. 

I feel like as a small business owner I was discriminated against. When I tried to refi I was denied even though I had XXXX FICA score and made all me previous mortgage payments. Then I was denied HAMP after trying for XXXX months. Somehow I got convinced ( XXXX ) into selling my house in a short sale and all I really wanted was to stay in my home. 

Now I ca n't get a mortgage ( even with a XXXX score ) because my credit report shows XXXX months of non payment between XXXX servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to XXXX to have my pearl necklace strung with silk and a XXXX yellow gold clasp. When I got it home I could not get it on so I took it to another jeweler who said it was not XXXX yellow gold but gold filled. I was so hurt. You ca n't tell if it is what you asked for unless it is appraised. I did everything she asked for and I even gave her {$390.00} up front as half of what she asked for even before the work was done. That is not customary. Then I gave her the other half {$390.00} when I picked it up. I disputed it with the Credit card company J.P.Morgan Chase they took off one XXXX then they returned ( 2 ) payments of {$390.00} even thought they only took one off my account. That was so mean when I sent them everything in writing and the picture from the other jeweler. I closed the account. I now owe them $ XXXX.- {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COAST PROFESSIONAL, INC.
State: VT

Complaint narrative:
The collection agency was not garnishing my social security for the past year and it said my debt was forgiven and when they did start to garnish my XXXX they never notified me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband passed away 11 years ago, I took the death certificate into Chase Bank as soon as I received it. I have done this 6 times to date. I have asked Chase Bank to please give me the credit for the payment of this mortgage which I have made for 11 years and have paid them over {$330000.00} to date. They sent me a letter stating that " you are not financially responsible for this loan '' but yet they send a bill to me only and take the payment out of my account which only has my name on it. They refuse to report this mortgage to the credit bureaus and I need this good credit on my reports as my credit is not good ( I have a mentally ill child and the medical bills/treatments caused me to go into debt ). I am a widow, on a fixed income and desperately need this credit yet Chase Bank will not answer my questions ( I asked them WHO is responsible for this loan if it is not me and why do they send ME a statement each month and take it out of MY account ) and continue to refuse to assist me. Nothing would change by Chase doing this, they would still receive their payment ( which has never been late in 11 years ) and all I have asked them to do is put my social security number on the loan and report its good standing to the credit bureaus. They will not do this for me. I asked them the first time I took the death certificate into them if I needed to do anything regarding the mortgage and was told I did not need to do anything. Is there anything I can do about this? Legal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was assured on monday by jp morgan chase office and spoke to XXXX at XXXX XXXX that cfpb bureaus case XXXX was not closed and were associated with the wrong reference number. He stated the letter i received XXXX XXXX, XXXX was accurate and that XXXX were working on it and will provide answer by XXXX XXXX. I said that XXXX has been working on this since XXXX and are just spinning my wheels and not interested in resolving the complaint. I have the discharge of mortgage but need the backyard fence, the deck, the swimming pool and Jacuzzi replaced which the mortgage fraud scam artist XXXX XXXX whom are still in the property have destroyed in the name of chase and jp morgan. When my loan was not in foreclosure and XXXX XXXX marked paid and closed. 

As I 've told her I would be satisfied with XXXX to replace this and to make me whole again by chase and jp morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: TX

Complaint narrative:
I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
My mortgage contract specifies that the mortgage company ( ServiSolutions, in this case ) is responsible for paying my property taxes ; however the taxes were not paid, and are now 2.5 months in arrears. I can accept that mistakes happen, and that it may take time to fix said mistake ( s ), but 2.5 months is not an acceptable amount of time for this issue to still be unresolved. As near as I can tell, with the information I have access to, ServiSolutions attempted to pay the taxes ( I assume by issuing a check ), but some error was made and the funds were returned to ServiSolutions and credited back to my escrow account. I discovered that the taxes had not been paid when I got my form XXXX and saw in box XXXX " Property Tax {$0.00}. '' I have received no communications from ServiSolutions about the taxes, and they still show as owing at the county Treasurer, meaning that if they did anything to discover the error, they either have not fixed it or have not discovered its origin. The easiest thing would have been for them to contact me - since I got the statement from the County Treasurer - and ask me to help them update their system, but they did not ; likewise they could have Googled it ( if it was an address/addressee problem ), and either of those solutions would have resolved the problem in a matter of minutes, not months. This is my first mortgage, and I trusted that ServiSolutions had enough experience and people that when something like this happened it would be quickly corrected, instead, it is up to me to do their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
COLLECTOR CONTACTED FAMILY MEMBERS AND IGNORED CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
In XX/XX/2017 i send a certified letter to Amsher collectio for debt validation they recived the letter on XX/XX/2017 in my credit report show that Amsher collection was delete on XX/XX/2017 in XXXX but in XX/XX/2017 was reinserted in my credit report in XXXX and i didnt recived any notification in writen dont even from XXXX or Amsher collection that is a violation of the Fair debt collection practicies act and also violation of the Fair credit reporting act section 611 today XX/XX/2017 i dont recived any validation letter from Amsher collection they steel reporting negative information in my credit report XXXX know about the problem but they dont helpfull Amsher cant report any more negative information until they send validation of the debt like my certified letter said

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: OK

Complaint narrative:
I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
ADDITIONAL INFORMATION TO BE ADDED TO OUR COMPLAINT : See attached files XXXX and XXXX. 
Thank you. 
-- -- -- -- -- -- -- -- -- -- -- We dispute the remarks and information provided by Selene Finance in their response. The fact that they responded to you at all is worthwhile, since we wait and wait for them to respond to us. 
The loan was transferred from XXXX to Selene in XXXX 2014, not XXXX 2014. If the loan was transferred in XXXX, why did we make payments through XXXX 2014 to XXXX? The proof of the payments is included in the excerpts we have provided within the Selene Finance document. 
Furthermore, they are not complying with the repayment agreement, and we were in danger of non-compliance on the second payment, because they did not take out the ACH debit as they stated they would, and as we signed for. Were it not that we called them at the last minute and made a phone payment, they would have found us deficient in our agreement - because of their inaction. 
Please review the comments inserted throughout the attached Selene Finance response document as our dispute to their findings. Our resolution to this would be to have a complete and thorough audit of our account, between Selene Finance and us as the consumer, to fix this mess. It does not help that they provide a more thorough response to a complaint than they do to the actual person whose loan they service. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.

Company response to consumer: Closed with explanation