vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My son and his fiance wanted to buy a home together and needed a co signer. My wife co signed for them to buy this home. They moved in, my son then enlisted in the XXXX. After XXXX, he returned home to find out she had found someone new, and had moved out. My son could not keep up the mortgage payments and tried desperately to sell it. He found a buyer so he could satisfy the loan and the paper work got stopped. XXXX had put a lien on the home because of XXXX defaulted student loans. The lien will not be cancelled now until her XXXX XXXX student loan debt is all paid.Now the house sits empty, cant be sold but at the same time mine and my wifes credit is ruined. I am XXXX years old and on Social security XXXX and cant work. Why should our credit be ruined if we can not even sell the home because of a student loan from my sons fiance ( XXXX XXXX XXXX ), we are not related to this girl, we have no control over her student loans, but we are being penalized! I have tried getting this off of our credit reports but they wont budge. Like I said, cant even sell the home to satisfy this mortgage!! This has been through the courts I am to understand and forclosed on. I even tried talking to the bank, they will not talk to me.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Education Servicing, LLC
State: MD

Complaint narrative:
To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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:
on XXXX XXXX a charge to my account without my authorization was made by XXXX XXXX, when contacting my bank they refused to allow me to dispute the debt. I bank with Chase located at : XXXX XXXX XXXX XXXX CA ph XXXX XXXX XXXX. The Chase account was not used as security for XXXX and they claim they know that I have signed an agreement with XXXX that allows them to charge any card on file with or without my authorization. They refused to open up a claim unless I closed my account which would result in several bank charges for pending bill payments. XXXX has a pending claim with you now and there was no way to add Chase to the complaint. Chase was notified once the charges went from pending to paid and the representative refused to allow me the right to dispute the charges because he felt they were owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
A couple of months ago I discovered a delinquent credit card account on my credit history report. This account belongs from a bank that I have never done any business with in the past. The firsy step I took is to call the CRA so that they would give me more informaion about this and to know what were the steps I needed to take. They told me to contact the financial institution holding this delinquent credit card account and to deal with them directly and that it would be helpful to file a police report on this incident. Following this persons advice I called the bank and told them about the situation. They asked me to send a bunch of documents which I sent all of them. Immediately after I hung up I went to the police station to file a report but they told me they could not open an investigation without me telling them in which branch, refering to the bank, was this account under my name opened. I proceeded to call the bank and ask them where did they open this account under my name and my social security number and they responded that they could not give that information, which I think they were lying. Anyways, it has been approximately 40 days since I sent them all the documents that they asked for to investigate this and no response what so ever. I sent them an email last week and they never responded. As of this moment I am left without options and becoming to get frustrated. This delinquent account is still on my credit report and most importantly, they were able to open an ccount under my name with my social security without my approval and somehow seem to get away with this type of illicit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank suspended online access claiming fraud, however no proven fraud has ever taken place. Chase demands we go out of our way and drive XXXX miles round trip to a branch to produce XXXX forms of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got a new credit card. On this card I get XXXX charge at a XXXX station in TN. On the date it posted, I was no where close to that state. I then sent my dispute on this credit card to Chase. After 3 months, they inform me that my dispute is denied because they said that a person had the credit card physically there and used it. I have several people that can testify that I was no where near that state on that date. What do i do about them still trying to charge me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for and was approved for XXXX Southwest credit cards. Before I used the cards I called to verify that I would be getting the XXXX bonus on each card. The customer service rep that I spoke with assured me that I would. I used each card to meet the min spending on each card. I only received the bonus on XXXX card. I called back and they said that I 'm only allowed XXXX bonus per card. They said if I applied for the Southwest Plus card I can get my other bonus. I 've tried to apply for the Southwest XXXX card but have been denied. I feel I am missing XXXX bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My Chase mortgage and my Chase Equity line of credit payments are not being reported on my credit report. this is after I finished my chapter XXXX bankruptcy. My Chase Mortgage and line of credit was not in my chapter XXXX. They are not showing any payment history well over six years. I came out of bankruptcy XX/XX/XXXX When I contacted them about this they would not talk to me. All I wanted to know, was when would my payments and balance be reported right on my credit report after my chapter XXXX bankruptcy. These accounts was not in my bankruptcy, Do they have the right not to report XX/XX/XXXX payments if I'am paying on time and I'am out of bankruptcy, or do I have to wait seven years or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Home Finance would not consider me for any program when I became XXXX and unemployed. Their idea of a re-modification was to increase my payment that I already could not make/afford by over $ XXXX monthly. They cancelled my home owners insurance that was less than {$1000.00} and replaced it with a policy over $ XXXX yearly. I did have an attorney who retired and passed me on to his partner who did NOTHING except process me right into a sheriff sale-foreclosure. They offered me nothing ( no programs - no options ) even though I submitted all documents as instructed per Chase 's employees. Have No idea what my rights were or are as I am not an attorney and can not afford one. All I know is I put $ XXXX down for my $ XXXX that 's worth under $ XXXX and now I owe close to half a mil with all of Chases crazy fees-YIKES!!!. Thanks to the foreclosure on my credit report now I ca n't even qualify for anyone to show me an apartment let alone rent me one and am headed into being homeless with my stealth medical condition. Chase ignored my pleads for assistance and their operators are like a bad joke. Each one you speak to gives you different MIS-information that leads you to nowhere. Do yourselves a favor stay away from chase and anyone connected to them. Good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a XXXX from Chase Bank with my name and social security number associated with an account that is not mine. The event description indicates " Credit Card Fraud. '' The account belongs to a gentleman I was in a former relationship with who offered and assisted me financially due to me being off work with a XXXX condition in XX/XX/XXXX as a gift. Subsequent to my ending the relationship and reporting XXXX, he had all the payments retracted from my creditors to his bank account and credit cards, falsely reporting fraud to his creditors, bank, and to the local sheriffs department in which his daughter is employed as a XXXX as well as his close friend, who is employed as a detective. The accusations were false, inflammatory, and defamatory. He evaded arrest for the battery charges, although the Sheriffs deputy informed me he recommended his arrest to the prosecutor. I later was informed that his daughter was the deputy 's supervisor and now the deputy no longer works for the Sheriffs department. I have no criminal history and have a 30 year tenured professional career as an outstanding employee. 
Upon receipt of the XXXX from Chase Bank, I consulted with my attorney and made several attempts to resolve the situation with Chase as I am not the debtor. In addition, " credit card fraud '' is not an appropriate use of XXXX even for the actual debtor according to the IRS rules. At the advice of my attorney, I recorded my conversations with Chase Bank in which they agreed to issue a written document admitting it was issued to me in error and retract the XXXX from the IRS. They stated I should receive such documentation by U.S. mail within 5 to 7 days. After 2 weeks of not receiving the written correspondence, I contacted Chase Bank again and they informed me they were not going to issue the letter or retract from IRS as I was considered a " suspect '' in their fraud investigation when it was reported in XX/XX/XXXX. This is a deplorable situation and I have texts and emails between my former boyfriend and I supporting my case. I am not the debtor on this account and was not forgiven of any debt thereof. I am requesting Chase Bank issue a letter of apology and admit their error as well as retract the XXXX from the IRS. I have suffered XXXX, XXXX, and XXXX injury as well as significant financial devastation in having to repay my creditors with fees and costs as a result of payment retractions. I subsequently dropped a protection order with the understanding he leave me alone. I continue to fear him and I consider the XXXX another form of harassment in this regard. He scammed me by providing assistance and then retracting it as well as making false claims to his creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Wells Fargo used fraud to push through a settlement agreement without the remediation for water damages on a condo they assumed with the 2006 bank mortgage melt down. The civil case is 6 years old and in the Appeals Court. 
My opening brief is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase sent me an email saying I do n't need to contact them unless a transaction was fraudulent. I did n't and they then put a hold on my account w/o notifying me. After doing this they still sent me a balance transfer check that I deposited in my account to complete a balance transfer. They again sent me an email and said only contact them if it WAS fraud. It was n't, so I did not contact them. Chase then returned to maker and I was charged a fee from bank for Chase canceling the check. Chase refuses to pay for the fee caused by their mistake. If they had put a hold on the account why was I not notified? Why would they still send me balance transfer checks knowing they had a hold on the account? They claim those checks are sent automatically, but that is misleading to the consumer. When you receive the check and have the balance, you assume it is useable. You have know way of knowing there is a hold and that the check will be declined, resulting in a returned check fee from your bank. This is a serious flaw and is likely costing several customers like it did me. This practice is harmful to the cardholder and should be stopped. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I had a number of items presented to my checking account for payment. At the time the items were presented, I had an available account balance of {$290.00}. The following items were presented : {$30.00} {$30.00} {$20.00} {$100.00} {$440.00} I knew that there would not be sufficient funds to pay all items but at least the top four items to totaling {$180.00} would be covered since there was {$290.00} available in my account. 
The next morning, I received notification that I was charged three fees @ {$34.00} each. I called the bank to inquire why there were so many fees when there was enough money to cover XXXX out of XXXX items presented. I was told that the bank policy is to pay the largest item first then all items follow. I still disputed that because there was n't enough to cover that {$440.00} item. I told the rep that was an unfair practice designed to overcharge their clients. She could n't dispute and said sorry but there was nothing she can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
My mortgage was sold by United Wholesale to XXXX XXXX in XX/XX/XXXX. Since then both companies have withdrawn {$1500.00} from my account twice ; once on XXXX XXXX and again on XXXX XXXX. I have contacted United Wholesale MULTIPLE times to resolve this problem, they have repeatedly said they have no record of our mortgage and yet continue to withdraw money from our account. As a consumer, I have the right to not be caught in the crossfire of mortgage lending companies buying and selling my mortgage. Now I am being subject to overdraft fees because of four months worth of mortgage being withdrawn in two months. This can not go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).

Company response to consumer: Closed with explanation