vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I LOST ALL MY BENEFITS AS WELL AS THE UNEMPLOYMENT INSURANCE BENEFITS. 
I CA N'T PAY THE ACCOUNTS OF CHASE CARD AND I COULD NOT PAY WITH MY UNEMPLOYMENT INSRANCE BENITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank received a levy from State Attorney Generals Office. Chase placed a hold on funds in my checking account for double the levy amount. Chase also issued a fee of {$75.00} for this process. Is this legal? Why is my bank able to freeze money beyond the levy amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Today, XXXX XXXX 2016, I received a call from a gentleman working for XXXX asking for payment on a XXXX account I apparently had 2 years ago. I agreed to make payments IF they send me a letter of agreement to remove the debt from my credit report. The gentleman told me I was responsible for calling the credit bureaus and having them remove the account myself. It has always been to my understanding that once the debt is paid, the collection agency is to remove it, otherwise it will still affect my credit. Also, I have not received any notice in writing pertaining to this debt or proof of this account, just harassing phone calls asking me for my bank information for payment to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase mortgage has committed multiple infractions of law while servicing my mortgage recently to include UDAAP violations, FCRA violations, violated bankruptcy laws, and FDCPA violations. Chase has re-analyzed my escrow account 3 times in XX/XX/XXXX which caused a 30 % increase in my payment in a 6 month period and did not provide at least XXXX notice of the payment change. The explanation given to me initially was that RESPA required Chase to perform the new analysis whenever the disbursed funds from my escrow account. It seems that Chase re-analyzes accounts whenever they disburse funds greater than projected to protect there pocketbook rather than consider the negative impact on the customer by constantly changing their payment with insufficient notice. Chase also reported my mortgage ( XXXX in Chapter XXXX bankruptcy in XX/XX/XXXX ) to the credit bureaus as an open personal obligation and has gone as far as to verbally confirm that same information to a credit company obtaining information in connection with financing I am trying to secure as well as stated directly to me that I owed a monthly payment on the loan. I have been harmed by these actions by being charged a higher interest rate and fees on a refinance I am trying to secure to escape the abusive practices of Chase which very easily could result in multiple class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This is a follow-up to your recent email to me on my complaint # XXXX, stating that J P Morgan Chase is working on the complaint and will provide feedback to me within 60 days. Oh, they are working on it, all right ; just " running out the clock. '' This matter could easily be researched and resolved in just one day 's time, but they clearly do not intend to do so, now or ever. They have just notified me of their intent to escalate my mortgage to the stage of foreclosure, which could likely be achieved in less than 60 days, thus confirming the fear I have had all along that they intentionally put me in an illegal, unaffordable loan situation to drive me into foreclosure so they could destroy me and be done with the mortgage forever. Unless you demand from them an equitable resolution as soon as possible, I shall be irretrievably ruined financially, with no home and no hope.whatever. Thank you for your attention to my case, and, please come to my rescue. I am fighting for my home, my life, and I am confronted by an adversary with nearly unlimited resources, and who is as unscrupulous and corrupt as they are bureaucratic and inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Why are banks allowed to process debits from largest amount to smallest, thus collecting more in overdraft fees? My bank Chase XXXX uses this practice to collect added insufficient fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. 
I have attached the necessary BK discharge papers. 
Please help clear this up so we can refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received an email XXXX/XXXX/XXXX from Chase stating there had been " Unusual activity '' on my credit card account and they had closed it. Instructions were included to log on and reactivate. I closed this account years ago so I phoned Chase ( XXXX/XXXX/XXXX ). We figured out the email was fraudulent but during the call, I was informed there was a {$36.00} balance. They informed me of the last XXXX digits of the card, the date it was opened and the date closed ( XX/XX/XXXX ). I was placed on hold while the person attempted to locate someone to answer my questions regarding the balance. ( Where, by whom, when, etc. ) They were unable to find anyone to help me so stated someone would contact me and they gave me a direct number to call if needed in the future. As of XXXX/XXXX/XXXX I had not yet received any correspondence or communication so I phoned them again. I spoke to XXXX different people ( XXXX & XXXX ), was connected ( mostly on hold ) for XXXX. They stated they could not retrieve the information nor anyone to help me with my questions. I requested a supervisor and was told they were not available. I then requested the computer notes they had been inputting but was told they could not provide those. I requested the organizations/agencies which govern credit card companies as I needed to find someone to help me resolve this. XXXX told me she did not know of any. She offered no further suggestions on how to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Cards arbitrarily cut my credit limit on XXXX cards, XXXX of which I have had for XXXX years. I have not missed or made a late payment on any financing in over XXXX years. 
I am now financially strapped, trying to relocate and run my business, support my family, and deal with several major illnesses. The last thing I need is to receive a form letter telling me the computer thinks my limits should be lowered. 
I do not want anymore than a return to status ante and the credit I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXXhad made dposite in my wife acount didnte to do that now they holding it and my job already verify funds so i dont see the big issuse i need this resolved. Now thats my check. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Loan Number XXXX paid off on XXXX XXXX, 2015. Not shpwing that it is paid off. Dispute filed with all XXXX credit bureaus. Chase continues to report to the credit bureaus that as of the response date to the dispute ( the last Equifax reporting date is XXXX XXXX, 2015 ) that the mortgage was not paid off and that the last payment was in XXXX. Called Chase and they said that teliing them that falsehood was OK and that it may take another four weeks from today to be reported to the credit bureaus since their last reporting date was XXXX XXXX, 2015. Their responses to the credit bureaus is to repeat that last information reported in the normal processing time. They refuse to provide current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have made payments on student loans to Nelnet using my XXXX XXXX card. Today I 'm told by nelnet they will not take it as a payment, say the DOE changed the policy. I called the DOE and they say they did no such thing I called nelnet back and they wo n't share the email memo, letter that says the rule changed. So what is going on? I have paid my taxes with my XXXX! Who is telling the truth? What is going on? If other people ca n't manage their money why is this effecting me. Please know nelnet will not share source document, also know no one seems to have a last name ... Seemingly the refuge of cowards. How do I get to a servicer that will take my payment? If this a new DOE policy - who what person persons - by name - thought this up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
The XXXX website advertised a credit card with a XXXX mile bonus for spending {$1000.00} in three months. I signed up for the credit card. I was immediately approved and emailed a cardmember agreement. This agreement did not mention that the original offer had changed. Several weeks later I received the credit card in the mail with another copy of the cardmember agreement. I did not look too closely, as I had already reviewed the one that was emailed to me. Supposedly, this XXXX changed the original terms of the offer I signed up for, saying I had to spend {$2000.00} for a bonus. After three months, my bonus did not appear. I checked the chase website and saw again the bonus listed for {$1000.00} and XXXX miles. There was no mention of any other offer anywhere. I called Chase to find out where my bonus miles were, and they said I had been processed to a new offer. They did not make this clear to me anywhere, at all. They told me that in order to receive my bonus, I could try to " close the card and reapply ''. I said I did n't want to do this as it would hurt my credit score. They " assured ' me this would not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Health Insurance paid what they would pay for same service if doctor on network was usedI am filing a complaint because of the disrespectful attitude by XXXX who is an employee of Senex Services when I called to find out why their name came up on my credit file for an amount of {$120.00}. She asked me to spell my names which I did. When I asked of her name, she was hesitant and rude about it but later told me she was XXXX. However, she refused to tell me her last name. She was only interested in my making payment immediately for a debt that is suppose to go to XXXX ( my health insurance provider ). She was so rude that I was wondering if she was forced to be at work today. I wish she could play the tape to you as she claimed it was being taped. 
My health insurance has already made payment that they pay doctors on their network who render the same services. XXXX XXXX XXXX was given my health insurance card and if they decide to use a doctor out of network, then it is their fault. I should not be responsible for their negligence. 
The fact that SENEX has access to my credit file is not enough to hire employees that have no respect. They can not just go to someone 's file and begin to put lien to people credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
This. company Paragon Revenue Group appears on my credit report for {$150.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received my mortgage loan XX/XX/XXXX and refinanced XX/XX/XXXX. The mortgage showed on my credit report until then but dropped off after the refi and I was n't told this was going to happen. I 've had over 4 years of on time payment history that is n't reflecting and I would like it back on my report. I called Chase who told me to call the XXXX reporting agencies. I called and they 're all telling me they can only report what 's given to them and if Chase does n't provide the info, then they can not report. Do I have any options at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I purchased a vechile with XXXX XXXX XXXX in XXXX, Texas. At the time of purchase I didnt have a Social Security number however I was able to finance the vechile using my ITIN number which is a tax processing number issued by the Internal Revenue Service. ITINs are for federal tax reporting only, and are not intended to serve any other purpose. IRS issues ITINs to help individuals comply with the U.S. tax laws, and to provide a means to efficiently process and account for tax returns and payments for those not eligible for Social Security Numbers. 
That being said, 3 months later I received my Social Security number through the mail, and have rescind my ITIN number, I contacted my financial company that i used to finance the vechile Westlake Financial, I sent them copies of my Texas Drivers License and a copy of my Social Security card and they refuse to update my account discriminating against me because its not a normal Social Security Card? I am leagally authorize to work in the USA and I feel descriminated against, and would greatly appreciate if higher authority can step in and have Westlake Financial update my account with the right Social Security Number so I can obtain credit for my on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 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.

Complaint narrative:
I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.

Company response to consumer: Closed with explanation