vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank consistently mismanages the Escrow and engages in fraudulent practices of incorrectly assessing escrow. Without a significant change in county/ city taxes or insurance they just increased the mortgage payment by about {$1000.00} per month after 5 years of regular payments. Chase bank does not provide visibility or an option to pay taxes separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a {$100.00} fee. When I called them they claimed that the first XXXX days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I 've reported a number of complaints to CFPB regarding Chase Home Mortgage. My home was sold in XX/XX/XXXX through a negotiated short sale with Chase Home Mortgage. The sale closed as a short sale, there was no XXXX and Chase never took possession of my house. Chase continues to report this sale as a Foreclosure and I 'd like to understand why they are permitted to do so when none of the elements listed by the FTC as constituting a foreclosure occurred? Chase is retaliating against me and holding me hostage in my life by purposely and intentionally trying to damage my credit. A short sale is only to be reported for XXXX years and Chase is incorrectly reporting a foreclosure on my home when they do not dispute that the sale of my home closed as a short sale with no bank possession or sale. Why is the CFPB and the FTC allowing this behavior by a financial institution? I 've never had any other negative items in my credit history. In responding to my complaints to the CFPB, Chase continues to call me only to check the box with you bureau and only to say they are reporting correctly and refuse to change it. What are we to do as consumers? There is no dispute and ample proof that my home closed in a short sale with none of the elements listed by the FTC as constituting a foreclosure. What is a consumer to do? 
This is what XXXX is reporting from Chase regarding my home : Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Conventional Real Estate MortgageAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit -- Term 30 MonthsMonthly Payment $ XXXXXXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXXXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late XXXX/XXXX/XXXXRemarks Foreclosure discontinuedThey " referred '' my file to their foreclosure department after Chase agreed to a short sale and the short sale closed - how is this legal? They are preventing me from obtaining financial backing in my professional and personal life and lawyers tell me there is no basis to sue - not because of Chase 's conduct, but because the CFBP has not enforced any regulations against the banks for their misconduct. The FTC should remove their instructions to consumers on how to direct a lender to correct false information regarding their mortgage because Chase has refused to follow the FTC requirements - so what are consumers to do at that point?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX/XXXX/XXXXDear CFPB : Chase Visa defrauds me of {$55.00} charged to visa XXXX which XXXX charged on XXXX for a plan. 
XXXX breaches agreement for the plan. XXXX bills me for services. One service is to provide working CDs. The agreement provides XXXX to provide me XXXX working CD 's. 
XXXX does not fulfill its service or its contracted promise. 
XXXX refuses to send a working XXXX ( XX/XX/XXXX ) CD. 
XXXX sent me out XXXX technically defective cd 's. XXXX knowingly sends out CD 's it knows do not work or XXXX fails to check out that they work. I conclude that the service is not compliant with the contract. I reject that I am paying for services not cd 's. 
If I pay for services of a CD and the CD is never sent so that it works and XXXX does not address this problem then XXXX breaches its service and Cd agreement. Otherwise I would be asking for the same XXXX XXXX infinitely and never get it -- XXXX would be in violation. 
Specifically I paid XXXX {$55.00} for one month to send XXXX and it was sent over and over to me and never worked and I timely complained to XXXX and XXXX just kept ignoring and sending more nonworking CDs. XXXX breaches its contract and I wont pay this {$55.00}. 
I want the {$55.00} or I want XXXX XXXX ( XX/XX/XXXX ) working now. 
XXXX does not get eternity to send me XXXX working CD. It is unreasonable for Chase to say I pay for services and permit XXXX to send nonworking CD 's over and over. It is abusive. It violates the XXXX agreement. 
I wo n't settle. Give me XXXX working XXXX XXXX ( XX/XX/XXXX ) CD now or give me a refund. 
Nothing less will do. Otherwise I will take this to small claims court. 
If XXXX sends me another cd and it is again technically not working then I will save it as evidence for court. 
Basically XXXX refuses to deal with the royalty or technical rights issues preventing my playing this CD and ignores the problem. 
It is unreasonable for me to have accept continued XXXX XXXX replacements which are technically defective. This is not living up to the agreement. Specifically if an XXXX XXXX CD is not sent within one month then I am within my right to get a refund or give an ultimatum : send XXXX working cd of easy money ( XX/XX/XXXX ) or refund. 
No more abuse of my rights. 

Chase fails to take action to get me {$55.00} or get me a working XXXX XXXX ( XX/XX/XXXX ) CD. 
Chase excuses XXXX 's breach. Chase states XXXX has eternity to send me a working CD. I disagree. I do not excuse XXXX 's breach. Fix the problem or refund. 

I want {$55.00} or I want Easy Money ( XX/XX/XXXX ) CD now and it must work. 
I do n't excuse XXXX from its contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Between XXXX XXXX and the XXXX I have had several conversations with JP Morgan Chase employees via their XXXX client line and online secured messages regarding my Over Draft protection for my checking account. On the XXXX and XXXX, my overdraft coverage which is connected to a chase credit card did not work. Apparently an internal payment of {$8000.00} was not applied in a timely manner to the credit card and when checks came in they charged me {$68.00}. I called the customer service line and the young lady that assisted me could not understand why the overdraft coverage did not work. She acknowledged it should have. In an attempt to correct it she de-linked the credit card from my checking and relinked it back. This caused another XXXX charge. Then, without my authority, the bank decided to link it to my savings account. It has been a comedy of errors that has cost me {$100.00}. In addition, the generic messages that I receive from Chase make no sense and are full of false and incorrect statements. I do n't think its necessarily deliberate so as not to refund these ridiculous fees, but I am starting to doubt their integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I initiated a wire transfer from my XXXX XXXX account to my Chase Checking Account. Eight days after I initiated the transfer, Chase still did not credit me for the amount that I transferred. In addition, the wire transfer team was not helping me in locating the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank reported a 30 day late payment on my credit reports in XXXX XXXX on the home equity line of credit account. Chase stopped reporting to XXXX in XXXX XXXX. The wrong loan balance is on the credit reports. I am disputing the report of any late payments & the loan balance is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
my company is apart of my bankruptcy case who was served with notification of the bankruptcy from Federal District Court as of 2013. As of today they are reporting negative information against me regarding this bankruptcy case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I cant repay this I asked for lower payments, when filing for this I was told something by the school which ended up being different I filed Bankruptcy and that was supposed to help but really did not I have tried to work more and XXXX jobs with no luck. Can you help??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The homeowner has been trying to get a loan modification since XXXX/XXXX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XXXX/XXXX/XXXX WaMu was acquired by J.P Morgan Chase Bank , N.A . I have applied 3 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XXXX/XXXX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XXXX XXXX, XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. 

On XXXX XXXX, XXXX a decision was granted to homeowner for Recission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XXXX/XXXX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to XXXX account # XXXX : the homeowner is not aware whos account this is? 

A new Statement of Foreclosure was sent to homeowner of XXXX/XXXX/XXXX. 

The homeowner has ordered a XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX, XXXX also show strong known robo signer participation in XXXX documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : JP Morgan Chase Bank NA, This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank shut my bank account with no notice. Chase refuses to reopen the account. Yet again, Chase held the money in float, without notifying the transferring bank or me for my direct deposit payroll.

Company response to consumer: Closed with explanation