vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am following up with a previous complaint I made with the cfbp about Wells Fargo and their foreclosure filing on my home at XXXX XXXX XXXX, XXXX MA XXXX. I have been working with XXXX XXXX on my previous complaint but was advised to update my complaint based on new information I received from the Wells Fargo. Despite the ongoing negotiations during my complaint, Wells Fargo has moved aggressively forward to foreclose on the home. I was told by a real estate representative for Wells Fargo the following information " Yes, we have the F/C deed. I am not sure what information this former is providing you but we have been proceeding with eviction for months. Per my attorney " the Execution was requested from the court today, XXXX/XXXX/16, and takes approximately 7-10 business days to be signed and issued. We will advise once received and issued to the constable for lockout scheduling. '' One of the major issues with Wells Fargo is they have never followed the steps they outlined to me as part of my original loan modification that was going on earlier in the year. What concerns me is that I was offered ways to save my house in XXXX 2016 but nothing was ever confirmed by Wells Fargo since they kept changing my contacts to handle my situation. I have also been told multiple times that Wells Fargo did not receive all my documents, despite the fact I faxed these documents multiple times. During all this, I learned without having any decision, my house was put up for sale by Wells Fargo and sold to their real estate division for {$250000.00}. I wanted to make sure Wells Fargo had received all the required documents for my loan modification which I sent in XXXX and again on XXXX XXXX, 2016. The documents I sent to the bank at that time were listed as Wells Fargo requirements for loan modification which included Explanation of Financial Hardship, Homeowner Financial Assistance Form, IRS Form XXXX Request for Individual Tax Return Transcript. Documentation to verify all income of the borrower ; and Dodd-Frank Certification Form. As part of my initial complaint I asked to have Wells Fargo to confirm they received all these documents which they have continued to fail to do. They also provided timelines of giving me a decision which again they have failed to do as described. I was advised to file this second complaint based on the fact that Wells Fargo continues to ignore my requests and are moving forward with the home foreclosure. I have not been even given the opportunity to do a short sale which based on its current valuation is probably going to be a very small amount if that since the house and property is currently valued at XXXX even though my mortgage was {$210000.00}.

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 2015-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I closed a loan from Wells Fargo back in 2011. I had disputed an address on my credit report which was associated with it ( my attorney for closing 's address ). I 'm now trying to purchase a new home and ca n't get a loan because on my credit report it 's saying that the old mortgage is being disputed. On XXXX XXXX, I faxed a letter to Wells Fargo with the request as they told me to do. I called them a XXXX later and was told that there was no way of looking into the matter as the division of Wells Fargo that deals with it does n't have a phone number or e-mail. After many more attempts I spoke with a lady who informed me that the fax was received and that there was an image on the account but that she could n't open it to see what it was. I called back a XXXX later and spoke with XXXX who stated that she had sent an e-mail requesting a follow up on the incident. I called XXXX 's direct line ( XXXX ) as she had told me to do and requested she call me back. On XXXX I called XXXX 's direct line again, and again requested she call me back and as of this date XXXX I have not heard from XXXX or Wells Fargo. All I am looking for is a letter from Wells Fargo stating I am no longer disputing the loan so that I can move on with my life and purchase a new house for my family. It seems as if Wells Fargo is intentionally ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint on Chase Cardmember Service regarding their handling of a fraudulent charge on my visa credit card. On XX/XX/XXXX, on our way back from XXXX, XXXX to the US, my friend and I took a local taxi ( merchant name : XXXX XXXX ) from our hotel ( XXXX ) to XXXX XXXX Airport for a flat rate of XXXX ( {$67.00} ). After back in the US and on XX/XX/XXXX, I noticed on my credit card account there was also a charge of {$310.00} from the same taxi company for the same day service. I immediately contacted Chase and disputed that charge. On XX/XX/XXXX, Chase sent me a letter acknowledged my dispute ( case XXXX XXXX ) and with that letter Chase also included a copy of both taxi charges ' meter printout receipts. After close examination of both receipts, I noticed the followings : ( 1 ) For the {$67.00} charge, the XXXX XXXX meter printout has a time stamp of " XXXX XXXX/XXXX/XXXX A XXXX '', and, for the {$310.00} charge, a XXXX XXXX meter printout has a time stamp of " XXXX XX/XX/XXXX A XXXX ''. That is, the XXXX taxi arrived at its destination 48 seconds before my taxi 's arrival at the airport! ( 2 ) The XXXX receipt has an identical - in both shape and size - of the signature I signed for my actual XXXX taxi receipt, i.e., they copied my signature onto the XXXX receipt! Based on those XXXX facts, the XXXX receipt is clearly fraudulent! When I received a letter from Chase Cardmember Service dated XX/XX/XXXX which stated that they considered the XXXX charge valid, I sent them a letter on XX/XX/XXXX pointed out the above XXXX facts, along with additional documents ( my hotel reservation and checkout receipts, my taxi driver 's hand written XXXX receipt ) as well as additional data ( distance from the hotel to the airport which could only resulted in the XXXX flat rate charge ). I have now received another letter dated XXXX/XXXX/XXXX from the same Chase office stating " Our latest review confirmed our previous findings that the charge is valid because we are unable to support that a billing error has occurred on your account. '' But the fact is this charge was not an error, rather a fraudulent act! That Chase letter also suggested that " We encourage you to contact the merchant directly for a more favorable outcome. '' I did contact the merchant via email on XX/XX/XXXX and, after received an email reply next day from XXXX XXXX of the taxi company and per his/her request, I emailed them a copy of my XXXX receipts ( both the meter printout and the driver 's hand-written one ) and a copy of the XXXX charge on my billing account. On XX/XX/XXXX, XXXX XXXX of the taxi company emailed me back stating " We 've got all the information to check, so we will inform you as soon as possible. '' As of today, XX/XX/XXXX, I still have not heard anything further from the taxi company -- another sign of the fraudulent act by the company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I XXXX XXXX XXXX attest and affirm these facts to be true to my knowledge, I am a victim of identity theft by fraudulent conveyance. The individual known as XXXX XXXX committed the fraud while residing with me. XXXX XXXX was placed as a authorized user to purchase airline tickets fro travel from XXXX to XXXX with mutual agreement to repay the debt accrued for the emergency trip.XXXX without authorization than altered the credit card account with JP Morgan Chase to max out the card to the sum of {$12.00} XXXX without XXXX permission & opened a additional XXXX XXXX merchant card. I can verify this claim with additional documentation to be submitted to your organization and the credit reporting agencies, XXXX, XXXX, XXXX upon your request.XXXX has sent electronic correspondence via text verifying his actions & deeds with intent to repay however currently has avoided contact and evaded payment of the debt acquired. A police report has been filed with the City of Police Department XXXX # XXXX and a civil suit is being filed with the Office of Judicial Records / City of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XXXX, I mistakenly sent a short payment ( by about {$20.00} XXXX to my Visa card company. This month, when I received my bill, I see interest charged on new purchases that were not due to be paid until the statement date. I called the company, who told me they are allowed to do this. If this is legal, I would call it highway robbery. The only interest due should be on the late amount and cash advances, and not on the new purchases that are not due for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
First, I want to say that the online information regarding student loans and loan forgiveness in general as well as on the FedLoan website is incredibly confusing and difficult to follow. For this reason I have called FedLoan Servicing to clarify things on multiple occasions, and I feel like each time I receive different information. So to be honest, I never have felt confident that I am doing the right thing, submitting the correct forms at the right times, etc., and at times the people I have talked to there do n't seem to know either. 
Currently, my major issue for which I want to file a complaint is that they are now telling me I am overdue to repay my loan. This has not happened to me before, and I do not want my credit rating affected by this frustrating company. 

The backstory : I have applied to FedLoan Servicing multiple times for the Teacher Loan Forgiveness Forbearance. I was repeatedly denied this forbearance for the reason that my loan was not yet in repayment. ( Yes, someone who was on top of taking care of her debts was denied the ability to do so in a timely manner. ) So I re-applied through their website/my account XX/XX/XXXX, once it appeared that my loan was in repayment. They did not send a digital response accepting or denying my application this time, as they had with all my other attempts. Two weeks later, they sent a hard copy letter in the regular mail, again denying my application because apparently I had inadvertently left off the state and zip info for my school. First, I think it 's impossible that I actually left that info off because their online system would n't have let me submit it with information missing. Second, they included a hard copy of a new application, which I dutifully filled out and mailed back. Needless to say, all this cross-country regular mail takes time, but remember, they would n't let me take care of this ahead of time ; my loan had to already be in " repayment '' before they would consider my application. Now they are claiming that my first monthly payment is past due. 

Their lack of electronic communication in this last application, along with all the denials for reasons of applying TOO EARLY, truly make me believe that this company intentionally caused my loan to go into payment and then be late on the first payment for the sake of making more money off me. I honestly ca n't think of another explanation for why they would n't let me apply for the forbearance earlier and then why they neglected to send a digital ( and therefore fast ) letter stating that there was info missing from my application. 
( Oh, and I immediately tried to call to remedy this situation the moment I received notice that my payment was past due. Their phone number is not working. Of course. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a mortgage with Chase, loan number for my condo in XXXX which I have been paying regularly with automated payments for over two years. Last month, I decided to get my mortgage refinanced with XXXX as the rates provided by them are lower than my rate. Chase has informed XXXX that they have lost my mortgage note and hence are stonewalling my efforts to refinance my mortgage with their competitor. This is an outrage as it prevents the customer from getting the best deal possible from a competing institution. I need a remedy and assistance in resolving this matter as it is preventing me from achieving significant savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
I have received numerous calls from a company called Foster, Garbus and Garbu looking for a XXXX XXXX XXXX spelling? XXXX. Unfortunately I did n't record all dates. The phone calls have been coming for approx. 4+ months. On approx. XXXX XXXX, 2015 I called and explained that I do not know this person and please remove my number from their account. I did not receive any phone calls until XXXX XXXX Received XXXX calls XXXX XXXX, XXXX and XXXX XXXX on approx. XXXX I again called to explain I do not know this person and to remove my number. I did not receive any calls until XXXX ( received XXXX calls XXXX, XXXX and on XXXX ) on XXXX I had talk to someone and once again told them I do not know this person and remove my number. I again received a phone call on XXXX. On XXXX i called and talked to a XXXX XXXX. I explained my situation and he told me there can be several different accounts tied to XXXX name. I then asked to talk to a supervisor and was transferred to a voice mailbox of someone named XXXX. I left a message with my name and phone number and explained my situation. that was approx. 2 hours ago and I have not received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
ResponseChase received your inquiry via the CFPB on XXXX XXXX, 2015. Because of the status of the loan we did not attempt contact you. Once we have fully researched all issues, we will send a written response to you detailing our resolution This is the response on your website from Chase Bank to me. They have had no problems calling in past and having their attorneys call. They once again are trying to avoid correcting their horrendous errors on my account. They have failed to resolve past complaint allowing time to pass so it shows resolved with you now doing same thing again. They have written excuses and resolutions indicating contacted me no response - noted telephone number different than on my complaint. Mailed info to the house they foreclosed on! stating no info on new address even though I have correspondence records indicating that is a lie. Noted mail returned from XXXX. verified with XXXX and my employer that is a lie - I am a XXXX employee and address changed since removed from house they have sent mail here numerous times!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We filed bankruptcy in 2010 however, there was a car loan XXXX and home XXXX - Chase Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) that were not to be included in the bankruptcy ( see uploaded doc schedule C ). However, XXXX companies, Chase and XXXX XXXX I will submit complaint XXXX seperatly ) are reporting to all XXXX bureau 's that these XXXX loans were discharged in bankruptcy Chap. XXXX. None of the payments made after this was reported are showing and since this time XXXX loans have been paid off. Also, not showing on my credit reports. I 've contacted all XXXX credit bureaus numerous times and tried to dispute this. They show the loans were paid off on their end and in their system but wo n't remove the " discharged in bankrupcty '' of my credit reports. I went thru a divorce the bankruptcy and just want to get my life back together. With such a terrible credit score I 'm paying more for everything and not able do a lot. I 'd like to someday buy a home for my family again and will at some put need another car. It 's so frustrating. I ca n't tell you the time and money ( I paid a credit company {$1600.00} to help me restore my credit ). I hope you will be able to advise me or help me. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a secondary property in which I purchased XX/XX/XXXX. I have been making my payments all on time. On XX/XX/XXXX, I received a call from Chase asking me if I needed help with my payments. After a lengthy conversation, it turns out they did not have my correct address in the system -- yet on file, just not in their system. So I received no correspondence in regards to a increase. Since XXXX, they have been filing me delinquent for not paying the full amount, just the partial amount. When I approached them to wave my fees and clear my credit, since I was not notified, and paid the amount in full once I was notified, they denied my request. I do n't understand why they did n't contact me sooner, and not to ask me if I needed help with the $ XXXX/month increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is an electronic complaint about a letter that was mailed to me from the Executive Office 's XXXX XXXX on XXXX XXXX, 2015. I understand that my payment for my account ending in XXXX is late, but Chase violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. ( " TCPA '' ), by making automated telephone calls and sending text messages to my cell phone, including Collection Calls and Automatic Alerts, in connection with my Chase credit card, without my prior expressed consent. I am actually a member of the XXXX TCPA Settlement against Chase ( XXXX v. Chase, Case No. XXXX XXXX, and expect Chase to eliminate my debt and credit to my personal checking account all applicable FDIC penalty fees ( " The banking agencies have the authority to assess CMPs against financial institutions or individuals for violating fair lending laws or regulations. Each agency has the authority to assess CMPs of up to {$5000.00} per day for any violation of law, rule or regulation. Penalties of up to {$25000.00} per day are also permitted, but only if the violations represent a pattern of misconduct, cause more than minimal loss to the financial institution, or result in gain or benefit to the party involved. CMPs are paid to the U.S. Treasury and therefore do not compensate victims of discrimination '' -FDIC ). In addition, XXXX of your representatives has told me that one of my former relatives who has nothing to do with my finances ( I legally became an XXXX when I was XXXX years old, and am possibly in the process of becoming an XXXX ), was able to obtain private information about me without my consent. By anyone 's definition this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.

Company response to consumer: Closed with explanation