vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DLC, LLC
State: CA

Complaint narrative:
I have had difficulty with this account. While I was traveling XXXX, I could not answer their calls. 

The company called my employer to verify my employment. This caused me significant embarrassment given that the company had already verified my employment. I signed a release to this effect but assumed it was for the purpose of verifying my eligibility for the original loan. 

I have asked the company to stop calling me. I have asked the company verbally and in writing. The contacting of my employer a second time makes me feel harassed and intimidated. The only reason I did not call them back was because I was traveling XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX ( Chase Banker ) called me twice asking me to open a Chase account & we could earn {$500.00}. We set up an appointment date for XX/XX/XXXX at XXXX. We opened a checking account & deposited a check for {$2000.00}. Criteria for receiving {$200.00} from chase for opening the checking account meant we had to set up a direct deposit. My husband contacted XXXX on XX/XX/XXXX to organize direct deposit of his wages. On XX/XX/2017 he received notification from XXXX that his first check was returned as the Chase Account was closed. I tried to access the account online & was told that the account did not exist. I called XXXX & he advised that there was an issue with the check & it had been mailed back to me & I needed to call the number on the back of my ATM card for further info. I called the company that issued that check & they advised that the check had cleared on XX/XX/2017. I called the number on the back of the ATM card & the operations officer advised that they could not verify the issuer of the check so the funds were on hold & i needed to get them a number for the company so they could verify issuance of the check. Chase never contacted me to advise there was any issue, they just placed the funds on hold & closed the account. It 's the most unprofessional treatment I 've ever received. I contacted the company that issued the check & got the number for the person that signed the check, I called Chase with his name & contact details & they have advised that they can not verify his number as his name is not on public record as being associated with the company. I have never heard anything like this in my whole life.Chase has {$2000.00} of our money on hold for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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/2016 I requested a stop payment to be made for a pending bill of {$370.00} which I was told would be handled, and I was charged a {$30.00} stop payment fee. On XXXX/XXXX/2016 the charge of {$370.00} was then debited from my account. When I called in the the customer service team, I was told by the XXXX rep that the charge was only pending, and would not clear, however, the call was dropped. When I called back in I was told by a XXXX representative that the stop was not completed correctly, as the charge was not an ACH transfer and that it would not be enforced. Upon request I was then connected to a supervisor who told me again that because the stop payment was not entered correctly it would not be enforced - but that I could file a claim with the claims department. I was then transferred to the claims department who said that a claim couldnt be placed and I would have to request a refund from the merchant directly. This now leaves me with a balance that is {$300.00} short of my rent check that was delivered this morning, which means that check will bounce and I will then be charged NSF fees by both CHASE, NA and my landlord causing me even further financial hardships. Had I been notified by the Chase customer service rep on XX/XX/XXXX that the could not put a stop payment on non ACH payments, I could have attempted to make other arrangements for the money, however, due to the failure of the Chase customer service team to properly train their staff on their policies and procedures I am now without any other options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is illegally and incorrectly reporting cancelled debt ( for XXXX credit accounts XXXX Chase is continuing to report debt cancelled as open account with debt still due to Chase to credit reporting bureaus XXXX XXXX XXXX and telling me this is still legal debt they can report and collect. This is wrongly and adversely affecting my report and score with accounts that are closed reported as open and balances due that are no longer due as the debt was cancelled. 

I defaulted on XXXX Chase charge accounts XX/XX/XXXX, Chase closed the accounts few months after and XX/XX/XXXX issued me XXXX Cancellation of Debt for each of these accounts. And in addition to this even the amounts became income and I paid taxes on it. They can not say they cancelled debt and then still claim it is open account with debt still due and report as current account and balance to credit bureaus. They ca n't have it both ways when they cancel the debt, it is then no longer debt owed, and that puts me in double jeopardy paying twice on same debt. 

I have been trying to deal with the credit bureaus and Chase for about a year now and it 's getting me nowhere they are handling this illegally and need to be stopped, and my credit reports need to be updated to have this taken off it is no longer debt. I have been able to get it taken off the credit bureau reports with explanation as above and submission of the XXXX. But it keeps coming back to the reports as Chase keeps reporting it each month and I have had to go through this process multiple times and need to have it stopped at the source, Chase should not be reporting this. Right now XXXX accounts are still showing as open with balance due on XXXX, best I can tell right now it is not showing on XXXX XXXX and XXXX but I have no way of knowing for sure I can only order report once a year and it could come back at any time on any of the reports as it keeps being re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a XXXX entry from Chase Bank stating " suspected fraud '' from 2012. I dispute this claim. I am not able to open checking accounts or receive a debit card from any institution due to this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Marriott Rewards Credit card under the rules that I was to to receive XXXX Marriott Rewards points from Chase Bank. After Spending the required {$3000.00} dollars When I called up to verify ( because Chase Credit Card Services runs a bait and switch operation ) they told me I did not sign up for that service. NOTEWORTHY, I first called Marriott rewards who told me that my first number thousands of dollar in XXXX purchases were not reflected to my card/account and the MARRIOTT REWARDS SERVICE agent DIRECTED ( without me asking me to contact Chase and ask to SPEAK TO A SUPERVISOR ( I THINK BEACAUSE THEY KNEW THEY WERE DOING A BAIT AND SWITCH OPERATION and have had many calls ). I once signed up for an XXXX XXXX Credit Card whereby Chase offered XXXX flights annually if you took they offer while still on the plane. THEY ARE A CROOKED BANK!!!! I guarantee it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
MORTGAGE companies have tooo much power over lending and following the rules for mortgages!!!! 
XXXX Mortgage bought my home loan from Chase bank knowing my mortgage and property was upside down and under water. I have been battling multiple mortgage companies since XXXX to process my mortgage under the XXXX program ; however, mortgage companies do nothing but stall, miss lead and sell my loan to other companies. Mortgage companies forced me into bankruptcy and destroyed my credit. I finally gave up battle to process my home loan under XXXX and asked for the " keys for cash '' program. Chase stalled ( as usual ) would not give information until XXXX XXXX that they sold my loan to XXXX. XXXX took THREE months to acknowledge they had my loan, refused to acknowledge our request to for keys for cash program ... ... NOW XXXX continues to stall and postpone the sell of the property for NO reason. My home counselor has never seen this treatment before ... ..Mortgage companies need to be held accountable financial treatment such as this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase ink credit card was set up for automatic payment. I had not used the card in a while and forgot it was on an account of mine. A charge went through. Six months pass on the charge that I had no idea had taken place and I get a written communication that my account is delinquent. This was news to me, since I had other accounts with chase that were all in great standing and this was the first I was hearing about my missed payment. I called as soon as I learned there was a problem and made two payments in the next few days to square my account. I spoke with a number of representatives some very nice and others not very helpful or understanding. When I asked why they waited over six months to contact me they said they had sent multiple emails and made numerous calls about the issue. I explained I had not received the emails and they insisted I did. I also asked when trying to contact me by phone why there was never a message left? They told me they were not required to leave a message, which makes no sense at all if one is truly trying to resolve a delinquency issue. I finally said, if the other methods all failed, why wait half a year to send me notice by mail. They responded they had sent numerous letters. I never received any emails and I do n't answer numbers I do n't recognize due to the potential of scams. I asked for dates the other letters had been sent to me and they would not provide me with any information. The truth is, I only ever received one written notice and as soon as I did I settled my account. I am not an irresponsible person! I have a few other credit cards with chase one of which I pay for most of my expenses with, and then pay on time every month. I also have a saving and checking as well with Chase and at no time was any serious attempt to contact me sooner through those avenues ever made either. Now, due to poor customer service and a substandard method and or system of contacting a customer, I unfairly have a pretty ugly ding in my credit.

Company response to consumer: Closed with explanation