vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis
State: TN

Complaint narrative:
I disputed a record on my report and asked that in the verification they include how the item was verified, the name of the person that verified the item, etc. This was done twice and both times the information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
RE : CFPB Case Number : XXXX Previously tried to respond, but computer stayed buffering, I now realize none of my information was uploaded. 
This is regarding DiTech opting to remove me from the Making Home Affordable Modification Program Incentive : " Pay for Performance ''. DiTech states that due to a late payment in 2014, I no longer qualify for this program. This is not correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
We are currently paying a mortgage with a 11 % interest rate and the property is under water. We have repeatedly tried to seek a modification with Greentree but they are not sending us the required documents to submit or they are not responding at all to our requests for assistance. We have been struggling to pay the XXXX monthly payment for over XXXX years and really need assistance at this very crucial time. Greentree has avoided us for over a year and we are desperately in need of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: CA

Complaint narrative:
A credit was ran on me through a credit union on XXXX2017 I have neither gave permission nor did I apply for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I contacted the mortgage company and explained i would no longer be able to make my full payments due to loss of wages. They suggested i try to sell the house on my own as a short sale. I followed their advise and tried for several months to sell the home. Several offers were submitted and each time they took too long or changed the price. At the end they had told me if i gave the home back to them it would only affect my credit for 3 years not 7. I just want them to change my status so it is not showing on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: CT

Complaint narrative:
HelloSo I submitted a cosigner release form for Chase Student loans to release my cosigner. They declined my application as they told me that I had not made XXXX consecutive payments of principal and interest. I have been paying back this loan on time with no late or missed payments for more than 2 years. Prior to XX/XX/XXXX i was making payments directly to Chase, but after XX/XX/XXXX, the loan began to get serviced by XXXX XXXX XXXX. I pulled my bank statements to show Chase that from XX/XX/XXXX to XX/XX/XXXX, I had made the XXXX consecutive payments, they claimed I had not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase did a bear interest on a XXXX check, then close my account, violating the fair reporting transaction act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check in XX/XX/2016 for {$300.00} for some freelance work I did for a client. The client reached out to me in XX/XX/2016 and told me that the check had been deposited a second time in XX/XX/2016. I investigated and found out the check was stolen from my car during a car break in and so the second deposit was made by the thief. My client told me they would file a dispute with their bank and try to get this sorted. Fast forward to today - I checked my bank account and found out that my bank had charged me {$300.00} for the double deposit from XX/XX/XXXX. So basically I did n't receive a cent from the funds and instead now the thief has all the money. I talked to my bank and they said they can not resolve it - only the check issuer 's bank can fix the problem. Unfortunately, my client told me that they already issued the dispute bank in XX/XX/XXXX and this is the result. I really do n't believe they would be willing to help me file another dispute to try to fix this and get me the money back. I have attached documents of both the original check deposited in XX/XX/XXXX and the fraudulent check deposited in XX/XX/2016. The fraudulent check has a FORGED signature on the back and you can see that the original check deposit did n't even have a signature on the back. I am now a victim of fraud, robbery, and forgery! Please help me get this money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX I stopped making payments on a {$1600.00} Chase Bank credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX Chase decides to sue me but I was never served. Chase 's attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the XXXX XXXX XXXX in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX XXXX XXXX XXXX XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX XXXX XXXX XXXX XXXX and they told me that there is nothing they can do because the judgement was entered by XXXX XXXX XXXX and that XXXX XXXX XXXX has to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have the XXXX XXXX XXXX XXXX credit card. I keep getting email and mail marketing pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX credit card, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account. If I call XXXX they say it 's related to the credit card and they ca n't help me. If I call XXXX they say they ca n't help me because they have n't received the request to open an account for my husband ; the only thing Customer Service can do is forward my comment to the Marketing department, which does not accept inbound calls. Needless to say, the Marketing department has never called me back. It seems as though the offer to receive XXXX/XXXX bonus miles is false advertising, because it is n't actually possible to receive the miles because we ca n't open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a follow up on case XXXX. The Bank responded by removing some wrong information from my credit. As said before, while paying them interest and principal from XXXX to XXXX, the Bank charged me interest for that same period. This added to " {$86000.00} '' ; said the Chase Bank. This money was added to my principal while doing a modification. It is obvious that I will be making interest payments XXXX and in addition, since it was added to my " NEW '' Principal, I will be paying interest again on those two previously paid interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase received a payment on our Chase Visa from a XXXX account that we have used to make payments for years.  The payment was returned as the XXXX Account was blocked when traveling XXXX.  Once the travel was completed XXXX unblocked the account in a day.  Chase has since processed payments from this account on other Chase Visa cards we have and deposits without issue.  However the particular Chase Visa account in question cannot be paid with the XXXX Checking account, because Chase has blocked payments from the XXXX account for Visa Chase Visa Card *******************

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received {$1800.00} from my Granddaughter through a " quick-pay '' transaction since we XXXX have Chase accounts. Once I got the money, I did a " quick-pay '' transaction back to her account utilizing her phone number as an account destination. The phone number that I used sent her transfer to a XXXX XXXX account that does not exist. My granddaughter has not had a account with XXXX XXXX for thee years. I opened a claim with Chase and they credit my account back {$1800.00}, while they did research. I went into the bank to physically put the money into my Granddaughter 's account. On XXXX XXXX, 2015 Chase did a reverse credit to my account for {$1800.00} with the explaination that XXXX XXXX never responded to them. Chase say they transferred it, and XXXX XXXX say they never got it. But I 'm left with negative {$1600.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recently received a bulletin from my Financial Advisor stating that CFPB is encouraging major lenders via credit cards to freely provide Credit Scores on their credit card statements or on-line credit card access. Chase Bank has mad a XXXX attempt at complying with the request. When I inquired about my credit score being available on my statement or on-line, I was informed by XXXX XXXX in the Customer Care Department that they have complied with the request by offering the service on only XXXX of their many credit card types. The particular card is a " Slate '' card. She offered me an opportunity to apply for a " Slate '' card account which I turned down..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a Chase business checking account. I paid a young couple for XXXX XXXX dollars by check on that account. When they cashed my check at my Chase bank they were charged XXXX dollars for using my money. 
This kind of banking targets those in our society who can least afford it and who probably least understand this kind of banking. 
Actually I do not understand how my bank can profit off my money. 
I am sure this is " legal '' it is not moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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:
Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?

Company response to consumer: Closed with explanation