vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.

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 monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The issue is as follows, Out of the clear blue JpMorgan Chase Bank decided to shut down both of my credit cards. I used the cards regularly for my daily purchases. Please note my credit is XXXX with all XXXX credit reporting agency 's. I used 2 % of my entire Credit lines and I pay off my bills Bi-weekly in full. in order words I have no risk whatsoever to this or any other financial institution. I truly believe that I was discriminated against in this situation and I want this matter investigated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank : ChaseLoan # XXXXIssue : Paid fee {$380.00} for extension of rate locking period by 15 days. To approve the loan, Chase was responsible to obtain some documents but Chase took more time to get these documents. There was no delay from my side. To meet contract agreement dead line, I was advised to pay the fee and request Chase to reimburse the fee but no response from Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is my mortgage company servicer and backer. I bought this home back in 2007, and within in 1 year I was upside down on my loan. I have tried to refinance my loan with chase, and have been turned down twice. If XXXX, or XXXX were my backer I would qualify for a refinance. Since I owe more than my home is worth, Chase has told me I need to make a XXXX payment, before they can refinance my home. What can I do? I do not have that kind of money, or credit to borrow from. The government has programs such as HARP, to help families in situations like ours. Why does n't Chase as the backer help its families like other backers? What do they have to gain, by taking our home from us when the day comes and I can not afford the interest payment. As is it I will never pay off the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an adjustable mortgage with Chase and I have made several additional payments towards principal. The problem is that Chase has not applied it towards principal. They keep applying my payments towards future payments. I have called several times, have spoken to XXXX of employees including a senior person named XXXX XXXX ( XXXX, extention XXXX ) who promised a call back. I have yet to receive a call back. My loan recasts next week and my new payment will be higher than it should be because my principal payments were not applied correctly. Further, the bank owes me all that interest money in years of holding onto my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
fails to contact me via email or mail to handle potential fraud activity on cc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX turned into XXXX dollars and then down to this amount an then that amount, a class action against XXXX XXXX was completed 4 years ago. It was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
XXXXProvidian National Bank requested a garnishment judgement on a time-barred debt. The credit card debt is from XXXX/XXXX/XXXX they filed a law suit for garnishment of my wages on XXXX/XXXX/XXXX past the statue of limitations of 10 years. I contacted the XXXX XXXX XXXX XXXX in the State of XXXX. They indicated that the Law offices representing Providian National Bank did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX/XXXX/XXXX I still have not received debt validation. I believe this was a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We are desperately trying to stay in our home, but we feel that Chase, as our lender, is not honoring our very drastic circumstance, not properly evaluating our evolving situation, and privileging their profit over our welfare. 

We do not have enough space here to explain our very complicated situation. Our explanation keeps being " truncated '' by your system. Therefore, we have added our explanation of what happened in Section # XXXX, " Product Information '' as attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found a lost XXXX Chase Visa debit card on XXXX XXXX in XXXX, California ( XXXX XXXX of XXXX XXXX ) while riding my bicycle on the afternoon of Saturday, XXXX XXXX, 2016. The card was on the side of the road. The card looked relatively new and clean. The card is now in my possession. 

On the morning of Sunday, XXXX XXXX, 2016, at about XXXX PST, I phoned the telephone number on the back of the debit card to report that I had found it. I phoned XXXX. I spoke to a woman named XXXX in the call center. XXXX told me that the card would be " closed. '' I asked XXXX to please notify the card owner, whose name " XXXX XXXX XXXX '' of account number " XXXX XXXX XXXX XXXX '' with expiration date of " XXXX '' was printed on the card. XXXX said that she was not required to take such action. I explained that it 's possible that the debit card owner does not know the card account number and therefore might not know how to reclaim any funds on the card. I also told XXXX that it 's possible that more than XXXX card might exist for this account, so closing the account might cause inconvenience. I again asked that XXXX Chase Visa debit card operations inform the account owner of the lost card. XXXX replied that all I needed to do was to cut up and discard the pieces of the debit card. I repeated my request that debit card company contact the card owner. She said that XXXX other action that I could take is to take the lost debit card into a local Chase bank branch and ask that bank branch to try to track down the card owner " XXXX XXXX XXXX. '' I then asked XXXX to tell me the procedures in place for reporting lost debit cards and informing the account owner. XXXX said that the procedure was just as she had reported to me. Then I said that I needed to report this to the Consumer Financial Protection Bureau so that the XXXX Chase Visa debit card " lost card '' procedures and policies could be re-examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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: OH

Complaint narrative:
XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.

Company response to consumer: Closed
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The bank said they could not find any record of where I authorized them to refuse any NSF after this consumer law passed. They had to get each depositor to sign yes or No. I said No. At least once since this law passed this bank refunded my fee on a NSF they paid without authorization. I looked in the email for it and apparently they have another policy of deleting emails after 6 months. Prior to this illegal fees theivery, all my emails were available from the day I opened the account. Several Years. Apparently so they could prove that had n't refunded with their own messages. Make them give me my money back. It 's XXXX. # XXXX Chase Bank XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: OR

Complaint narrative:
I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.

Company response to consumer: Closed with explanation