vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card information was stolen and used to make a relatively large purchase at XXXX XXXX XXXX in XXXX XXXX. The thief made a purchase of {$2400.00} on XXXX XXXX, 2016 between the hours of XXXX and XXXX. Chase fraud prevention notified me of this charge. I have already made a claim with Chase and closed all of my accounts. Chase has denied my claim even though there is overwhelming evidence that proves this is fraud. I contacted the XXXX in XXXX XXXX to find more information on tracking this thief down. They notified me that I must first file a police report, which I did. XXXX XXXX PD has approved this report and assigned a permanent case number. I have also given all of my info to the XXXX in XXXX park to help track this person down. I just want my own money that I earned back, chase is making this extremely difficult and is not not trying to resolve the issue at all. They refuse to reimburse me and told me I was on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : Our complaint is about Chase bank. We tried to make payments towards our balance to Chase Bank XXXX XXXX, 2012, but they would n't except the payments. Chase Bank expected us to make the full payment of {$21000.00} in which we did not have. This amount would have been the remaining amount due towards our 30year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company is not allowing me to dispute the matter which caused me to be on XXXX. I did not open this account with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Slate credit card from Chase. As a benefit, Chase gives me visibility of my XXXX credit score from XXXX each month. 
Issue I recently applied for a Chase auto loan. Per my credit report, Chase used the XXXX credit score in its loan decision. Providing me XXXX credit score but using a different credit score in the loan application process is deceptive. Why the disparity?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Bureau of Collections, Inc
State: IL

Complaint narrative:
This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: GA

Complaint narrative:
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the XXXX since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some XXXX took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.

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

Complaint narrative:
This mortgage account originated through XXXX ( XXXX XXXX ) on XX/XX/XXXX. JP Morgan Chase began servicing the account shortly thereafter. In XX/XX/XXXX, the account had fallen under pre foreclosure. Assistance was provided by the Commonwealth of PA. Account was brought current through this process. There was a third lien placed on the property address, by the Commonwealth of Pennsylvania, in regards to this account. The property was put up for short-sale, in XX/XX/XXXX. This is about the same time the deed was transferred from XXXX to Chase. When the first pre forclosure was initiated, the property should have been properly titled. This is an obvious attempt by Chase to hide the fact the property was not properly titled. This explains my difficulty in attempting to refinance the property between XXXX and XXXX. I am hereby granting the CFPB permission to access my files with JP Morgan Chase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.

Company response to consumer: Closed
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE CARD MADE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND ALSO I HAVE WROTE LETTERS TO THEM AND THEY HAVE FAILED TO RESPOND

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase will not replace my money after un authorized withdrawals were made. I am very XXXX off. There system is incorrect and suggested I logged in and saw the money missing and did nothing about it????? Really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Being charged erroneous bank fees on my checking account which is a Basic / Lifeline account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had numerous problems with Chase lack of customer service through out the years. I have made attempts to modify my second mortgage with them three times after my first mortgage was approved and received piles of letters and made numerous phone calls which still resulted in no modification and continued to pay a high XXXX percent on my loan. I 've asked Chase repeatedly to work on the modification as I was having financial difficulty and the lower interest would help with brining the loan down. I got no where. 
In XXXX of 2016, I was selling my home and was in contact with Chase for my payoff. This was the second time after my first sale in XXXX fell through but they were well aware of the sale of the home, Chase then proceeded to sell my mortgage and delayed my closing for weeks as I had to find who they sold the mortgage to and await for them to get the payoff information on the loan. I received no letters regarding this and no forwarding information pertaining what they were doing. In addition to reporting late payments to my credit, the loan is reported as sold and I have no credit report of the loan being paid in full because of their actions which continues to harm my credit. The company they sold my loan to is not even showing on my credit or that the loan was paid. For all these inconveniences they have cause me as I continuously tried to work with them, would like all derogatory reporting on my account to be reverse and that the loan was paid by the company they transferred it to not showing just transferred and closed which is not accurate to the events that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that AES changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I been getting a {$2.00} dlls charge from a Macy 's card but mY balance its XXXX {$0.00} for about 3 months that I have n't used the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was at a Zale 's XXXX in XXXX, SC at XXXX XXXX shopping for engagement rings. I asked the saleswoman if she can see what I would qualify for to finance a ring. She said sure and took my information and ran the numbers for me. I told her thank you and I would have to think about what I wanted to do, so I left. About a week later I received an activated Zales Credit Card in the mail, even though I never gave consent to sign up for XXXX. I feel as though the saleswoman was misleading in the service she provided for me in that she gave no indication whatsoever that I was signing up for XXXX of their credit cards. When I called Zales they told me that they could n't do anything about it except close the account, which hurt my credit score. I would like this account to be removed from my report due to the misleading conduct of the saleswoman at the store.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank refused to provide credit card for Costco membership, statements from XXXX account transferred to them, credit card, account number or any information about account since the change from XXXX to Citibank happened in XX/XX/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actually did report account as delinquent totally undermining my credit score, plus adding hundred of dollars of fees and charges and on interests for the time they did not allow me to have any access to account they created and never allowed access to. I have also been told they have closed account and will continue never to receive any of the executive membership I pay for to Costco. 
Costco does not care and refer me back to Citibank not taking any responsibility for it. I do have phone call records as evidence of Citibank staff making false statement, including they alert that my credit score will never be affected/issue thy created reported. 
I can provide these records as necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation