vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ). 

I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I do not have the loan from Chase mortgage company anymore. I owe nothing on the account and they are report negative payment. They sold my loan to another mortgage company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying to resolve an issue for almost two years with Chase Mortgage, and can not get results. I am currently in Chapter XXXX bankruptcy, and making my payments regularly. We did not include our mortgage as part of our bankruptcy, so with the interest rates going so low we decided to look into refinancing our home. We met with a Chase Mortgage Banker, but he said we are a month behind on our payments. We have never missed a payment, and have records to prove it!. I have called Chase multiple times to try and resolve this issue and all we get is a run around. They never call back as promised, they never mail statements to show where or when we missed a payment, nothing. The Chase Mortgage Banker, admitted that Chase has lost customer payments in the past especially when Chase buys mortgages from other banks, which is what happened in our case. We originally had our Mortgage with MetLife, and did not have any issues until Chase got involved. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In 2013 I defaulted on a credit card debt. This debt was subsequently charged off and reported to the IRS as bad debt. Chase is still reflecting and trying to collect the full amount of the debt XXXX {$2200.00} XXXX. I want to pay this debt as I am in a better place financially. I ca n't possibly be expected to pay the bad debt and the taxes. Either cancel the debt and reflect it as a zero balance charge off and I pay the taxable income, or I will pay the bad debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I am a XXXX. I understand that I may be eligible to have some or all of my student loan balance forgiven based on my payment history and years of service. I have repeatedly requested my payment history from Navient but have not received a clear breakdown. I know I made multiple payments then put the loans into forbearance when my spouse left and I was supporting my XXXX children. I believe if I am not at the ten year payment requirement I am close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.

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 2016-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.

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 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hi, My name is XXXX XXXX. I am also a father of XXXX, a husband, and a dedicated contributor in daily society. I am a XXXX worker and love impacting the lives of so many people on a daily basis. When I leave my XXXX I am forced to work a part time job 4 days a week at a XXXX to make ends meet for my family. I currently live in a XXXX bedroom apartment and struggle to make ends meet each month. Day in and day out my family is forced to sacrifice so much because of a decision I made to receive a private loan. The amount I pay monthly is ungodly and is enough for a mortgage on a home. I would love for XXXX day to be able to purchase a home for my wife and family, but for me this is out of the question as I will be paying student loans until I 'm XXXX. I 'm not quite sure how this will work as I get older, as I know I will be unable to maintain the amount of hours I am working now on a daily basis. I do everything I can for everyone around me, if you ask anyone I am XXXX of the most honest and hard working people you will ever meet. I am stuck in a situation I am unable to get out of and I am very disappointed. This decision has left me regretting going to college. I have never missed a payment since sustaining a full time job in 2010. I pay my college loan on time each month and I am always in good standing. Would it really hurt to assist someone in making a better life for their family. I do n't want the option of deference or increased interest rates. I want the option to lower my payment so my family and I can afford the things in life that I went to college to obtain. I look around and I am truly blessed with everything that I have in life, but my family needs more and I want to be able to provide that for them. I would love any assistance that is possible in decreasing or forgiving my loan. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY 2ND MORTGAGE WITH Bank of America was forgive, but they fail to remove the CHARGEOFF FROM MY XXXX CREDIT BUREAUS. 
This is wrong and has severely damage my ability to rent an apartment. 
Because of this I am HOMELESS.

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 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a federal student loan through NAVIENT. I have been making payments for the last 3 years without missing a payment. I was offered a lower repayment plan 2 years into my loan which I took, because I was reassured my interest would not be raised and my total loan repayment amount would not increase. Basically a week ago I find out that after 3.5 years of payments towards my original $ XXXX student loan, the loan had decreased ONLY {$250.00} to an updated principal balance of {$25000.00}. AFTER PAYING $ XXXX TO NAVIENT OVER XXXX YEARS MY LOAN BALANCE DECREASED {$250.00}! I called/emailed them to find an explanation, and after multiple attempts to dodge the situation I got in touch with a " manager ''. She told me that she looked into the recorded phone call I had with them and that I was indeed given wrong information but there was nothing Navient could do about it because of some " rules and regulations '' document they claimed they mailed me. She said that for the majority of the time of my loan, over 3 years, XXXX % of my payments was going to interest and only XXXX % towards interest. All in all my $ XXXX student loan would take $ XXXX to pay back ( I have this in writing and over a recorded call with Navient ). I told her how unacceptable that is and she said theres nothing she can do because I signed up for the " graduated payment plan '' even though a Navient employee told me wrong information on it regarding interest/life of loan ( again, she admitted and recognized that I was told my interest would remain the same and that I would be paying the same amount over 10 years just in graduated increments- all of which was completely false ). She said she was sorry about the misrepresentation of the plan but that it was on me. 

Please call me with any questions as I want to help my situation as well as take down this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I went to XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX, I ended up dropping out due to the need to work more hours at my job, so that I could afford to live, and pay rent at my apartment.Upon the time I was enrolled, I was told that via scholarships and federal aid, my tuition would be 100 % covered. Within one week, that figure changed, and I was told I needed to take out a federal student loan to cover the overage. I was excited about school, so I went ahead and took out the loan with my mother as the co-signer. I have had a hard time ever since, from paying on my loans, to just trying to get back into school. I have tried to contact the school location I went to, in XXXX, Tx, several times to get my loan documents, any paperwork that I signed, as well as my transcripts to no avail. Now that I have received information that the school has closed down, I 'm looking to file for " Borrower Defense to Repayment ''. If there is anyway you can help me with this issue, please do, as I 'm confused as to what I can do next. I can no longer reach the school via phone or email, and have moved over XXXX miles away to help care for my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Bank of America ( the card issuer ) eliminated the " grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: AR

Complaint narrative:
I closed out a certificate of deposit at IberiaBank. They mailed me a check for {$30000.00} and did not send it by certified mail. They sent it by first class mail. The check never arrived. It has been 30 days. They do not want to issue another check for 90 days. I do not believe they will ever issue a new check. Why am I supposed to believe someone who uses the excuse, " The check is in the mail! "?

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