vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently filed a complaint against Chase Credit Cards ( Chase Bank ) and am still awaiting a resolution. The number of that complaint is : XXXX ]. Since filing this complaint, another serious issue has surfaced. I just got a new credit card from Chase with a new account number which is unacceptable because I did n't know of any problems or that my account was compromised in any way. When I called Chase Customer Service this morning to find out why I received a new card and new number, I was told that fraudulent charges appeared on my account. I never reported any fraudulent charges and I check my account on line several times a day and never saw any signs nor did I have to report any fraudulent charges on my account ending in XXXX.. About 6 months or so ago, I did report a fraudulent charge on my account ending in XXXX that came from XXXX and realized at that time they were going to issue me a new credit card with a new number. Although it was inconvenient, I knew I had no recourse. However, at this time I am adamant about Chase advising as to who reported a fraudulent charge and/or who the merchant was that posted the charge to my account. Chase is overstepping their boundaries as far as I am concerned and making changes that should not be made to my account. This is causing me a great deal of stress and aggravation because I have debits coming out of my account ending in XXXX and do not want to be embarrassed by having the charges declined. I am also going to contact an attorney to see if I can get a final resolution of this matter. I only disputed a few charges for not getting the product ( s ) that I ordered but certainly not because of any alleged fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My 18-year VISA card through Bank of America was cancelled without notice. I have been managing payments on this account through the iPhone app and online for the last several years without any problems. 
I called an spoke to an agent who told me that the reason for cancellation would be explained in a letter being mailed to me within one week. 
I received a letter saying that a payment for the account had been returned unpaid ; this is incorrect. The app on my phone indicated that a payment had been made when I submitted it but my bank never received or responded to the request. I waited a few days and resubmitted the request, which was funded immediately. 

Now I have a letter saying I 've been charged an outrageous 'fee ' for the 'returned payment ' of {$1000.00}. No acknowledgment that this was an error of their phone app or that the account has always been in good standing since 1998. The letter further asks me to call XXXX to arrange payment but the computer then tells me I do n't owe any payment at this time. 
No options for discussing with an agent/representative.

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 non-monetary relief
Consumer complaint received 2017-03-20 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: VA

Complaint narrative:
I applied for a student loan in XX/XX/XXXX and was approved in XX/XX/XXXX for income based repayment. my payment was for XXXX . every month there were issues of the repayment not being applied to all of my loans, building interest on forbearance. this has happened many times with in 1 year. then they had me repay the loan and make payments out of the blue. when I call I am assured everything is fine. I am again being charged too early for my repayment plan. I am tired of the lies and the extra interest this company is making off of me for their errors. that is fraud. I have just renewed my repayment plan last week as I was told it renews in XX/XX/XXXX. I am being charged as of XX/XX/XXXX. I call all the time to correct the problems and they tell me its all fine but it never is and I am not happy.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. 

I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Harassed bu Bank of America.I ask bank of america why they are requesting so much documentations and to stop calling me. I was told they were assessing my risk. I became high risk when i ask for modification in XX/XX/XXXX-XX/XX/XXXX which they denied. and 3 yrs ago they contacted me after they lost with state atty general XXXX and modified me to 4.5 % .I was told they will nor correct error in their part since XXXX XXXX unless I SUBMIT ALL DOCUMENTS THEY ARE ASKING. They have requested astronomical documentation with the promise to correct the issue. several phone call were made to my office. threatened to increase my interest rate if documents were not provided. deliberately reported me to XXXX even after consistent payment. i was threatened to foreclose upon if my income do not qualify of the loan that was made in XXXX i have not missed a payment on the commercial property and now being told that i am high risk. the value of the commercial building is lower than the loan. now they are imposing 10 % interest, foreclose upon me or find another bank. i tired XXXX but bank of america reported me to XXXX my credit score went down. they want me to pay {$29000.00} principal and interest because they said i did not qualify. the loan was existing since XXXX and did not apply for loan. i was forced to fill out schedule of debt which violated my privacy and even made to submit my divorce papers. i have lost so many hours of work to generate all the documentations the required. After submitting all documents, I was told yesterday the will foreclose upon me. i have all the documentations/ conversations recorded/ notation as to what was said. My husband did not even request to ask his name taken out of the loan and proceeded upon removal of his name from the loan. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have been XXXX since 2011. I have been dealing with this since 2011 and I will explain best way possible. XXXX has been taking money out of my XXXX check when I have sent paperwork in 3-4 times over the years. When I contact them on phone they tell me they have n't received any paper work but this is what we can do for you to give you time to send in again.dl they would say we will hold off for 2-4 months to give you time. 
after I send paperwork in immediatelty a month or 2 would go by and they will start taking over {$200.00} again. I do n't understand I would tell them I know I sent paper work in. I would tell them you see where you taking money from you know I have been XXXX since 2011 and you keep taking it. they would saour yes ma 'm we see its coming out of your XXXX but we need paperwork from doctor. this has been taking a real burden on me. this past month they started taking money out again and caused major chaos in my life. did n't have enough money to pay my bills or for co payments to doctors I have to see. so I had to skip some appointments. 
all i want is someone to help me to stop them from taking what I have proved. I am a small town XXXX person who really does n't know what to do. They saying I owe over {$8000.00} now and I am like how when I have sent paperwork in time and time again. please someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint involves Bank of America ( BOA ) Mortgage Account. BOA escrows the funds to pay my homeowner 's insurance as a part of my monthly mortgage payment. 

In XXXX of this year, BOA informed me that starting in XX/XX/XXXX my monthly mortgage payment would rise from {$3400.00} to {$4100.00} to cover my newly received homeowners insurance bill for XXXX XXXX through XXXX XXXX of {$6400.00}. 

I immediately contacted my homeowners insurance company, XXXX. My normal homeowners ' annual insurance coats were approximately {$2100.00}. I continued to make my usual payment of {$3500.00} ( the mortgage plus {$6.00} towards the principal. ) XXXX explained that the total of {$6400.00} was for THREE YEARS : XXXX XXXX through XXXX XXXX and could be AMORTIZED over three years. And did NOT have to be paid in one year as BOA was attempting to do. This would return my monthly mortgage back to its original amount of {$3400.00}. This amortization could be retroactive back to XX/XX/XXXX when BOA first attempted collect the higher monthly mortgage. In fact my homeowners insurance had not gone up at all. 

On XXXX XXXX, XXXX, the XXXX XXXX notified BOA of the three year amortization. However, BOA continues to demand the larger payment of {$4100.00}. When called BOA ACKNOWLEDGED RECEIVING THE COMMUNICATION FROM XXXX. 

Last week, I was notified by a credit watch agency, BOA has posted on my credit reports a MORTGAGE DELINQUENCY, even though I have continued to pay my mortgage on a timely basis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: FL

Complaint narrative:
I was seeking to refinance my current home mortgage. I looked at several companies and received Good Faith Estimates from a handful of lenders. One of those lenders that was under consideration was Royal United Mortgage. The loan officer is named XXXX XXXX. On XX/XX/2016, I was contacted by XXXX XXXX after visiting XXXX and requesting information on possible lenders. After reviewing the estimate he provided and comparing it to other offers I had, I chose to go with a different lending company. There had not been a closing. I notified XXXX XXXX of my decision via email on XXXX XXXX, 2016. I then received a letter in the mail on XX/XX/2016, from my XXXX homeowner 's insurance stating that on XX/XX/XXXX, Royal United Mortgage had amended my insurance to delete my current mortgage company ( XXXX ) and added themselves as my mortgage lender. This was completed without my knowledge and without a formal closing on the loan. I do not know what other changes to my other accounts they may have made. I do not feel that this was ethical or professional for them to make these changes prior to closing on this loan. I have notified XXXX XXXX in writing that I am livid over this matter ; that I will not be using his company 's services and that they must undo whatever changes to my accounts that they have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC
State: NM

Complaint narrative:
I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. 
Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2016, my company received a letter from Citizen 's Bank with a check in the amount of {$9.00}. The letter was confusing as was the amount. After our numerous requests for an explanation from the bank, the matter was recently escalated to the Office of the Chairman who sent a letter indicating that this amount resulted from an action described here : http : //www.consumerfinance.govXXXX. When I phoned the signer of the letter ( XXXX XXXX, Office of the Charman ) today, he advised that the amount owed to my company was carefully researched. I asked for details. When did this discrepancy occur? Was it one deposit or multiple? He indicated that Citizens is not required to release this information and confirmed that he will not be doing so. I asked how can I be sure the amount is not XXXX cents or XXXX dollars. He confirmed that I would have no way to know this. He also advised that there is no one further up the chain at the bank that can further address my interest in this. I am not satisfied with this answer. I am also disturbed that it took me months to get this response from the Office of the Chairman and this response was not consistent with previous responses I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: ProCollect, Inc.
State: TX

Complaint narrative:
We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.

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