vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX of 2014 my real estate agent ( XXXX ) submitted a contract on my behalf for a short sale home owned by Chase Banking. After 6 months of continuous waiting and no status updates ( approx. XXXX XXXX, 2015 ) Chase finally acknowledged the contract and countered the original offer - we agreed. Finally, ( we thought XXXX things were on its way to being finalized. From there, the inspection was done- serious issues were addressed and being handled. That, in itself, took a little more time than we cognized and was eventually rectified. Next, the appraisal was done- it came back fine- with minor improvements to be done. After roughly 1 1/2 months of negotiating, my bank could now get my financing finalized ( I was preapproved for a {$7500.00} downpayment and closing cost grant ). I was also receiving an FHA loan and my paperwork could not be fully processed until all the repairs were improvised and/or rectified. While waiting to hear back from the grant approval team, we received an email from the seller 's agent ( approx. XXXX XXXX ) stating " Chase has officially denied the contract '' with no warning, extension or any explanation. My banker, the seller 's agent and my real estate agent were completely and utterly in shock by this unforseen action. The seller 's agent along with my banker sent a slew of emails with evidenced data regarding my full approval -but we never heard anything from them. This was a spontaneous act that hindered, interferred and just simply hurt my families progress and well- being, with no " JUSTIFICATION ''. I have XXXX young children and I had already put in my 30 day notice to move out of my townhome. I had an inspection ( {$380.00} ) and appraisal ( {$470.00} ) done on the property prior to this happening. I was genuinely interested in the home and did everything that was in my power to get things done in a timely manner. However, they had my team waiting for 6 months before they even touched my contract but they could n't wait a few weeks for my official process to be completed. If anything, they could have explained their rational behind their actions. I could not have just exited the contract without reasoning in the middle of it. The bottom line is ; I felt like I was bullied and mistreated unfairly because I was purchasing a home that was priced below market value and I was an assumed indigent. I 've called and spoken to XXXX XXXX at Chase Executive office. After playing phone tag for several days, she ambiguously explained to me that ; she could not give me any information regarding the account because I was not the primary account holder- which I understood. Which, she knew that I did not have an account with them, I explained that to her in my at length email that she received. The bottom line is ; the whole entire ordeal was bias and unethical and I felt discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
Chrysler Capital keeps calling daily even though they 've been told that I DO N'T owe any outstanding debts. If I owe a debt, then send me the paperwork, which of course they wo n't. I told them if they continue to harass me I was going to fie a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
in 2014, Midland Credit Management alleged that I had a debt from XXXX. After filing a lawsuit against them, they determine that I, in fact, did not owe the debt. The debt was removed from my credit report. 

Last week, I received a letter from the IRS stating that Midland reported that I had received {$4500.00} from them ( reported on a XXXX ). I NEVER received any funds from Midland nor did I receive this clearly fraudulent XXXX. Now the IRS is stating I owe them back taxes for this amount ( I am contesting this with the IRS directly at this time ). 

Once again, Midland is causing me financial hardship, first on a debt that was never mine ( which they ADMITTED by closing the account and deleting it from my credit report ) and now, two years later, by reporting I received an income from them which never happened. 

I called their customer service center and spoke with XXXX XXXX, employee ID XXXX, and he stated that he has no record of them sending me {$4500.00} and that there is no record of them sending me, or the IRS, a XXXX. When I asked for a letter confirming this info, he said they can not send me one because I previously sued them. 

I have worked REALLY hard to rebuild my credit and Midland is once again damaging my livelihood. They are dishonest and need to be stopped from hurting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed an account with Chase due to fraud ( card ending in XXXX ) in XXXX Well I have noticed balance transfer fees. So I called Chase and this is the summary of what I was told : When you closed your account ending in XXXX the balance was transfered to the new card ending in XXXX. 
I told them they can not charge me a balance transfer fee because the account with them was closed due to fraud activity ... ..so far all Chase has been willing to do was close my account ending in XXXX and issued a new card ending in XXXX. 
I need someone 's help getting ... balance transfer fees paid back that Chase has been charging me for a couple years. When I call they have no answers for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.

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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!

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 — Don't agree with fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX Director of Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear Director XXXX, As director of the Consumer Financial Protection Bureau and as a member of the board of directors for the XXXX XXXX XXXX XXXX, I and tens of thousands of individuals who had mortgages with Washington Mutual N.A. plea, that the CFPB give clarification to the following issue : When the FDIC and JP Morgan Chase signed the Purchase and Assignment Agreement dated XXXX XXXX XXXX that gave receivership to JP Morgan Chase, did the FDIC sell the mortgages that were held by Washington Mutual individually and in securitized trust to Chase or did this simply transfer the mortgage servicing rights to Chase? 
This question is being litigated across the county and JP Morgan Chase has argued both sides of this argument across the country depending upon which argument benefits their interest in a particular situation. 
JP Morgan Chase has argued that they only acquired the servicing rights and not the mortgages as stated in the Purchase and Assignment Agreement dated XXXX XXXX XXXX. The argument is that the mortgages and the mortgage servicing rights are divisible items. This argument was made in " XXXX XXXX XXXX XXXX XXXX vs. FDIC, WASHINGTON MUTUAL BANK, JP MORGAN CHASE BANK and WASHINGTON MUTUAL SECURITIES CORPORATION in a summery motion to dismiss and motion for partial summary judgment page XXXX of motion. Filed in the United States District Court for the XXXX on XXXX XXXX XXXX. Case No. XXXX ( XXXX ). 
Yet, JP Morgan Chase both forecloses on Washington Mutual mortgages and also sells Washington Mutual mortgage notes to Investors, claiming authority being vested to them by the same Purchase and Assignment Agreement dated XXXX XXXX XXXX. Do they need to disclose to note buyers that the mortgage notes being sold are currently either in default or in foreclosure? 
JP Morgan Chase and its note buyers, use the differentiating state statutes to apply their version of the PAA to their advantage. Results have been overwhelming in favor of the note holder.

Company response to consumer: Closed with explanation