vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to JP Morgan Chase for a loan modification in early XXXX, XXXX. I took my mortgage out in XXXX, and have never missed a payment. In XXXX I had to have two XXXX XXXX That coupled with the fact that my income has substantially dropped ; I am XXXX years old. 

Chase has denied me a loan modification, I appealed their decision but they have not changed it. 

Their reason for the denial is that I have too much assets which have dropped about 10 % since my applying for the modification. Their reasoning for the denial is very discriminatory to senior citizens as they are telling me to use my retirement savings to pay my mortgage and when my savings go down to {$25000.00}, they will then consider a loan modification. This is unacceptable. My income has dropped substantially. Chase was bailed out during the financial crisis with my tax money. They owe me this. Besides this is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, N. Y. XXXX Tel : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2018,, And Cotinuting Problems, If Wells Fargo Banks Did ( ALL ) Those Very Bad Mishaps,, ( Note In Question )?? Why Have'nt Anyone From That Company Went To Jail Yet??, Its Very Obvious They Did Amit it??? And That Is A ( FACT )???

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
In XX/XX/2017. I purchased a cashiers check from BB & T bank in XXXX XXXX  TX. The check was for XXXX XXXX  of XXXX XXXX XXXX. Make Homes Affordable The check was for {$1500.00}. After a two week long period?. I had been calling and emailing her and no response. I called the XXXX XXXX   Police Department.

They had decided that the company was XXXX XXXX and we had been scammed. I asked BB & T to track my check and they said it had been cashed.

BB & T would not give me any information about the bank or the company that had cashed it .There was not enough catagories for XXXX XXXX and XXXX XXXX XXXX . This involves all of them and so Im asking for them all to be investigated.

Thank you

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 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened CheckingXXXX and SavingsXXXX with a promotion for a {$400.00} bonus for maintaining a balance of {$15000.00} for 60days. I confirmed with the agent I was enrolled and complied with the rules of the promotion. I completed the terms of the promotion, the {$400.00} credit was to be applied within 90 days which was XX/XX/XXXX. The bonus was not posted.

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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Following a Delta Sky Miles offer I was given a Delta American Express Gold credit card in XX/XX/2016 with a credit limit of {$2000.00} whilst unemployed ( which I disclosed ). I subsequently got a minimum wage job but could not afford to pay off the balance. Every time I reached my limit American Express increased the credit limit despite the fact I was only paying the minimum. The authorized limit went from {$2000.00} to {$6000.00} to {$12000.00} and to {$15000.00}. Even on the {$15000.00} limit they allowed me to go close to {$17000.00}. In XX/XX/2016 my salary was gross {$22000.00} and today it is {$30000.00} but I am struggling to pay the debt down. 

I contacted the American Express Gold Card department several times and was literally laughed at when all I wanted to do was to find a solution to my issues. They offered no support or advice. As a last resort my father spoke to the Platinum department and was treated in a similar manner. 

I am still paying the minimum and see no way out of this situation. I do believe this is predatory lending and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of Identity THEFT. 

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. If not complied with i will have to take legal action. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.AS of XX/XX/2018 my documents were received by your company. Today is the XX/XX/2018 30 DAYS PASTTHE time allotted. To block fraudulent information on my report. As of todays, date I have submitted a complaint to the following secretary of state, XXXX, Consumer Finical Protection Bureau, and the FTC, letter motorized and the a copy of the police report, Green return receipt. I appreciate prompt attention to this matter.

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 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have sent many pages of documents over the past few months and before that i signed agreement Wells Fargo sent me to sign off for him to represent me, after i did that Wells Fargo refused to work with me. 
He kept on telling me every was moving along fine. I never got any proof of that. 
33 pages were sent that i sent to him by fax. Several other pages of bank statements, IRS utility bills to show what i make and what i pay out. 
I find it hard to believe he did not send them but if he sent them Wells Fargo should have been working on them with XXXX and or with me? 

I ask Wells Fargo to give me to after the XXXX of the year and i will send them whatever they are missing. I lvm with several support specialist as i could not reach them. 
I will send {$1000.00} immediately and in another 2-3 send them  {$900.00} more. 
If refinancing is an option maybe that would 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 2018-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The complaint is against JPMorgan Chase Bank I opened a tenant landlord escrow account on XX/XX/XXXX On XX/XX/XXXX Chase sent the funds to the unclaimed property state remittance and never notified me. Chase had been sending letters to the tenants to claim the deposit money, but she never did. She could have just claimed the money and took the security while she was still living there, which would have left me without a security deposit. How is this legal? How is the bank operating under these terms and landlords continue to put their money there? When I inquired I was told the letters were sent to the tenant because of inactivity. I, the escrow agent ( landlord ), never received notification and neither did I see anything on the my statements. The money now needs to be returned to the tenant because she has left the apartment. Chase put me in liability because I have the right to deduct the deposit for damages to my property or nonpayment of rent. After all these years with Chase I am terribly upset and concern about the financial damages and liabilities they have caused myself and the tenant. First, from accounts at other banks that I have spoke to they have not mentioned that money would be sent to unclaimed properties in that short of a time frame and the bank would notify me both online and through the mail. Chase did not. Under Illinois law ULC Uniform Act ( RUUPA ) under Treasurer XXXX there are changes in XX/XX/XXXX which my account was opened in XX/XX/XXXX. I did not received notification of the changes and the law required email contact. I have used online banking and have had an email on my profile. In addition, I visit different chase branches and no mentioned of that law or my accounts. I hope others will learn from my experience and will tell other landlords and realtors of what Chase is doing. When Chase sent the money they only left of XXXX of interest in the account. It was never officially closed until on XX/XX/XXXX and Chase allowed me to open it. Do you think that if landlords found out about this, they would keep their business with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
I have a complaint AGAINST the Department of education. They allowed a college to missuse federal funds when allowing the school to lure me into signing up when they know i had no high school diploma. Tricking me by signing promissary note electronically!!! Which I did not! Then school dropped me during the beginning of the second month of classes with no explaination, no disbursement of funds or counsling of any kind. The remainder of the money then did not get returned, the school kept the money and now department of education says my wages will be garnished. If this office is in fact protection for cosumers then PLEASE PROTECT ME. From these practices of fraudulent affairs known from the department of education. Please do not tell me to contact them .They keep ignoring me and sweeping my complaints under the carpet! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a notification today that Chase was increasing my interest rate from 11.24 % to 16.24 % simply because as stated on the letter, because the existing APRs are below the lowest APRs we currently offer. On the front and back of the letter, for everyone to see was the following statement : Important Information Enclosed Changes to Your Account. First, I am not happy that they have just decided after 13 years, that they need to gouge me with an interest rate of 16.24 % which is absolutely unconscionable in todays market. If they routinely charge their best customers that type of interest rate, I would hate to have missed a payment in those 13 years. I can only imagine how high the rate could go in that situation. Anyway, back to the letter. As I understand the privacy rules, Chase should be protecting my information, not publishing the fact that I have an account with their bank on the front of a mailing for the world to see. This was not even in an envelope, it was a Tri-Folded paper barely glued on the ends. Inside was the last 4 digits of my account. Anyone who knows anything about credit cards could quickly determine 12 of the 16 digits of my account simply by using one of Chases BIN and  the last four digits they provided in this very insecure mailing. That leaves only 4 digits to figure out. How long would it take for a computer to crack the code on that one? This was a very important notice. This is a notice that Chase should have to prove that the customer received. The fact that they just mailed it does not prove that a consumer recieved it. To be honest, I almost threw it away because it looked like junk mail. This is a change in the contract, not an adjustment based on the terms of the contract, but a change in the basic contract itself. Finally, I understand that Chase has itself covered from a legal standpoint on the interest rate adjustment, but I find it a very unfair practice to only adjust rates in one direction, that being up. Would it not be more fair to all the other consumers who have paid their accounts on time to recieve an interest rate reduction since obviously prime plus 5.99 % is more than a fair rate? I have closed the account with Chase because that was the only way not to have the rate increased, but this is not a fair way to treat consumers. Note that the attachment shows the condition of the notice as it was recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: WV

Complaint narrative:
On XX/XX/16 I switched from my XXXX XXXX to equitable acceptance. I owe them {$12000.00} with only 2 loans. I was told over the phone that I would pay half of my loans and they would pay the rest. I paid {$970.00} so far on my loans and even on my payment page it said consolidation complete ( informed by dealer I emailed the company about it and asked when they were going to take over because I had another payment due to them and I did not receive an email back from them. ( My email to Equitable acceptance is included in this message ) I stopped making payments for a few months because of financial difficulties and so I called Equitable acceptance back to get re-enrolled and they said none of the money Ive been paying them goes to my student loans period. I was told different from the first time I signed up till this time and Im really infuriated because thats a lot of money to give to someone just to file paperwork like the man said. I looked up online if other people are having issues with them and theres so many people and so many people looking for lawyers over this its unreal. I also had an issue with XXXX. I switched 2 of my loans to them XX/XX/16 and I owe them {$13000.00} Ive paid {$150.00} back to them and more money is going to interest than it is the actual loan and cant seem to get anywhere with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: MA

Complaint narrative:
I received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! 

I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The problem was with a credit reporting agency ( Experian ). I asked them to lift my security freeze for my financial company, and they told me they did, when I went to my financial company, the security freeze was still on my report. I kept calling Experian about the situation, and Experian kept telling me that it is unlocked. My financial company could not pull my credit report because it showed that Experian didn't unlock it even though Experian said they did. I kept calling Experian and they kept telling me they unlocked my report. Now, I have to wait until the lock is actually back on the report, and do it myself. Experian kept asking me for personal information, and now I believe that I've been set up for ID theft.

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 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company Experian refuses to dispute my inquiry into accurate reporting stating the following. 


You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

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 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I have made wire transfer of {$2400.00} for apartment rental, which I found on XXXX. Within 3 hours I realized that it was a fraud and notified Bank of America to cancel wire transfer. Since recipient account was also in Bank of America the bank had full control over money and power to investigate. So I thought. A week later and several phone conversations with BoA financial claims department ( claim XXXX ) I have received official response letter suggesting to " contact the other party for further assistance ''. To contact fraudsters " for further assistance ''??! I have complained to BoA Escalations ( case number XXXX ) whose response on XX/XX/XXXX was simply a phone number of claims department again! Finally on XX/XX/XXXX I was contacted by BoA senior investigator Mr XXXX XXXX whom I've provided all pertinent information about fraud. I have not recovered lost money and want to complain about Bank of America handling of my request to withhold transfer to fraudulent account.

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