vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Academy Mortgage Corporation
State: TX

Complaint narrative:
We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.

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 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
HAS NOT CLEARED MY PAID DEBT ON MY CREDIT REPORT FOR XXXX STILL SHOWS {$270.00} OWED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX has submitted my account to the RPM ( Receivables Performance Management LLC ) collection agency after three months of dropping my phone contract. During this time, they failed to provide me with the final XXXX statement agreement of the phone charge breakdown. There is no way for me to verify the charges that I owe for each of the phones I owe under the XXXX account and therefore can not apply my rebate submission to XXXX XXXX XXXX. 

To complete a refund submission, the bill from the previous carrier must include the XXXX ( XXXX ) for final processing. The credit debt agency ( RPM ) also refuses to provide me with this information as well stating that they do n't have this information on file except to provide me with the balance for the amount of {$360.00} when the original amount from XXXX was for {$310.00}. 

I need verification for this account before making a payment to the credit debt agency the amount and date are insufficient information. How can this get resolved?

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 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
They called my work place 3 times. The 1st time I told them I that I can not take phone calls at work and to not call me at work. The next day they called me at work AGAIN.. I told them once again to not call me at work..3rd time, the next day the still called me a work thus causing me to get into trouble with personal phone calls.. I called them back from my cell phone during my break and told them they caused me to get into trouble for calling me after I told them not to call me at work.

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 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northern Alliance Management, LLC
State: KY

Complaint narrative:
XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NM

Complaint narrative:
I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: GA

Complaint narrative:
I received a letter in the ail from XXXX XXXX XXXX XXXX account ending in XXXX to collect on an old Chase debt, Acct-ending in XXXX. I called XXXX and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a chase account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a chase account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I want to file a Complaint against : Chase Bank. I am a victim of " Dual " Tracking ''. On XX/XX/XXXX I sent Chase a completed RMA. ( Request For Mortgage Assistance ) packet. Two weeks later the rep confirmed they had received it and it was complete. I was approved for a Short Sale. I listed my house on XX/XX/XXXX and received a contract on XX/XX/XXXX with a $ XXXX escrow check. Currently there is a Valid contract on the house with the $ XXXX deposit. My Realtor can verify this information. Chase rejected the first offer. On XX/XX/XXXX a new offer was submitted. It has not been accepted or rejected as of this date XX/XX/XXXX. 
On XX/XX/XXXX Chase sends me a letter requesting more info from the XXXX. office ( Short Sale Dept ) I call, they tell me " No problem, all paperwork is in ''. XXXX Reps agreed all paperwork is in. On XX/XX/XXXX..Chase sends me a Foreclosure Notice and a Sale Date of XX/XX/XXXX from Fla.from the Foreclosure Dept. This is a " serious '' violation of the XX/XX/XXXX RESPA ( Regulation X ) Mortgage Servicing Rules. According to CFPB " dual tracking '' is when a mortgage lender or servicer simultaneously is evaluating a Consumer for a loan modification or alternatives at the same time that if prepares to foreclose on the property. The final servicing rules make it Unlawful for the mortgage servicer to lead the Consumer down one track where they think they are being considered for a foreclosure alternative when the Consumer is begin led down another track to foreclosure ''. I have done everything in my power to make this Short Sale work. I have prepared countless hours of paperwork to listing the property, getting a valid buyer with funds ready to settle. Only to have them " play games '' and give incomplete answers to questions. I am XXXX, XXXX. They said I would get $ XXXX HAFA money to re-locate yet will not put it in writing. This was a condition of me willing to do a short sale. I now want $ XXXX to relocate and for this Short Sale to go thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on XXXX and was part of a shortsale conducted in XXXX. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them XXXX correspondence in writing, and also filed disputes with XXXX, XXXX, and XXXX. All XXXX bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of {$310000.00}, which is an astronomical amount of money that i DO NOT owe. This property was short sold and california law prohibits any deficiency balances owed on single family residences. In addition, the Code of Civil Procedure states that a mortgage lender who consents to a short sale waives any claim to pursue the seller for the balance. ( CCP 580 ( e ) - Chase approved the short sale in XX/XX/XXXX. 

Also, the act of credit reporting is considered an active attempt to collect a debt, therefore Chase is collecting on an illegal claim. Since Chase has not responded to my inquiries, I ask that the CFPB help me get chase to respond and not continue to ignore me. 

Attached please find my XXXX demand letter to chase that they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to open a regular checking or at least a savings bank account today with Chase - FSR XXXX XXXX and XXXX - XXXX XXXX XXXX - both Banks refused to open an account because I do not have XXXX yet since I just arrived to the US on XXXX/XXXX/16 with a XXXX - married to an US citizen.I presented my Passport with the XXXX with the official Stamp from Homeland Security, as well as my Social Security number, proof of residency. 
I 'm a lawful resident of the United States, married to an US citizen, allowed to work. Even Employers accept and know about the Stamp, XXXX and do accept this - as i is a very clear and simple process by the US Government. 
But those XXXX Banks refused today o open a bank Account, even my wife was with me and presented all her legit paperwork as an US citizen they did not open an Account. 
This denial is descriminatory. 
I am allowed to work, pay taxes but can not have a bank account where my pay cheque can be deposited in ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
someone used my information in creating this debt or account and it is not mine. i have filed police reports and had affidavits notarized in this matter this company seems to be reporting information from an issue where somein has forged and used my idenitity to get this account open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my XXXX XXXX credit card on XXXX XXXX, 2016. The credit card charged an annual fee of {$95.00} on XXXX XXXX, 2016. I contacted Chase in XXXX, and again in XXXX and was told that the fees would be refunded in full within XXXX billing cycle. I called Chase again in XXXX XXXX, 2016 and was told that Chase had changed its policy as of XXXX XXXX, 2016 to honor refund for annual fees for cancellation within 30 days. I was told inconsistent information and was left without any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase issued two XXXX cancellations/discharges of debt back in XXXX which I filed with my income tax return for that year ( attach with complaint ). Chase continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called Chase, they told me that they agree that they charged it off, issued the XXXX and will not collect but have the right to continue to show past due amounts. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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 deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
While attending graduate school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my XXXX student loans with Nelnet with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found Nelnet already broke the contract by charging an interest rate over 5 %. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to XXXX XXXX, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of XXXX, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
GAVE BACK LEASED CAR AND GOT ANNOYING CALLS WHERE IS THE CAR SAID I NEVER PAID AND WILL NOT SEND TO CREDIT BEUREAU BUT THEY DID SCORE DOWN XXXX POINTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have a current mortgage loan with Suntrust Mortgage , Inc. about 7 years ago I had some late payment and they began to report me as a XXXX as they were starting the Foreclosure process. After about 12 months of working with them, we reached a resolution and I began to make my payments on time. My problem is that since that time, they have HARMED my CREDIT stating that they Foreclosed on my home and that mortgage which is entirely incorrect. They now are harming me from buying a new car or home becuase lenders believe i had a foreclosure in the past. I am still in that home and have not missed a payment in over 6 years.

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