vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX a supervisor, XXXX XXXX, claimed to listen to the call that I purportedly made on XX/XX/XXXX and made the following comments : " ( Chase ) will not release the recordings, but ( I ) can subpoena them. '' XXXX. This comment was made after I noted that both TILA and Regulation Z require all documentation used to make a decision regarding billing errors. 
On XX/XX/XXXX, Chase wrote " we received your XX/XX/XXXX letter.. However, the letter was insufficient. '' On XX/XX/XXXX Chase now claims that the letter was " not sent to the proper address. '' XXXX. The address to which the letter was sent is listed on a Chase website as a proper address. 
On XX/XX/XXXX Chase wrote " we consider our position to be final and we will no longer respond regarding this matter. '' Chase is refusing in writing, to the CFPB, to comply with both TILA and Regulation Z by providing information they are required to provide.

Company response to consumer: Closed
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
As a single mother of XXXX children, over the past 15 years, I have maintained to the best of my ability and income to keep my mortgage current. When my child support ended per our agreement, I experienced other hardships and I began losing hours and overtime pay at work, it became more difficult to keep current. Over the last couple of years my mortgage has been with Chase. I contacted them and requested assistance and to modify my loan payment to bi monthly to make it easier. They refused and when I submitted my documents for modification they only reduced my payment by {$40.00}. I also asked to have the PMI removed and again they refused. Now they sold my mortgage to XXXX and this company is immediately instituting the foreclosure process after I told them the house has been on the market for a year and I am willing to do a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have a home morage through Chase Morgage company. I lost my employment XX/XX/XXXX. I immedidately contacted chase who stated that they would allow me to do a payment deferment for XXXX months. When that time was up I was to contact them and they would see what options were available depending on my situation. I unforutnately was not employed at the end of the deferement period. I was told by chase that I needed to make XXXX payments to make my morage current and they would offer me a loan mondification. I explained that I did not have an income and that I would be using the remainder of my savings to make those three payments. They did send me modification paperwork. I called when I recieved those papers and was told that because I was not working that was all they could do, and so, I signed the paperwork and returned it. I did not receive any further communication from Chase until I was notified that they had applied with the State of Oregon to file a forclosure. I enlisted the help of the Oregon Forclosure Assistance program and was assigned a hoursing assistance councelor by the name of XXXX XXXX. XXXX helped me navigate the process of going through several meetings and meeting cancelations with Chase. I became employed XX/XX/XXXX. Chase offered me a modiciation in XXXX, based on an hourly pay that I am no longer receiving. There were several communications back and forth between Chase and the Oregon Medidiation Program attempting to clearify my pay which became salary when my XXXX day probation was up. I asked prior to our meeting how they calculated the payment as it is more than my original morage payment, and I am making nearly XXXX dollars less annually. I then posed the same question at our meeting at which time the Chase represenative told me that I either signed the modication proposal or I risked a higher payment and or even denial. I signed the modificaiton. I have made one payment, but, I am selling personal items to make the payment I am struggling. I was notified on XXXX XXXX that the State of Oregon did not provide Chase with a certificate allowing them to continue with the forclosure. I have also contacted XXXX XXXX at Chase asking for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This account looks to have been opened up in my name by my someone that I had given access to my home to babysit my daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX. 

Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account. 

On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting. 

On XXXX I received investigation results from XXXX indicating that the " account remains ''. 

On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''. 

On XXXX I received investigation results from XXXX indicating that " new information '' was reported. 

Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. 
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information. 

XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I discovered what I believe to be an unlawful increase in my annual percentage rate somewhere between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Two things occurred during this time ; first a large payment of {$1500.00} was made and second, the impending sale of Washington Mutual to Chase. I was never notified of any increase to my APR by Washington Mutual or Chase. If I had, I certainly would have cancelled the credit line immediately and paid off the remaining balance. I continued to pay my bill each month but unfortunately, I was not aware of any change till XXXX of XXXX, at which point I made several calls to Chase. In these conversations, I informed Chase I would no longer make payments till this error was fixed and all interest collected recalculated. At this point the balance on the account was {$660.00} and the total interest accumulated since the increase to my APR was {$390.00}. I informed Chase I would gladly pay the total less the interest, cancel the card and move on. Chase 's customer service could not answer any questions regarding the matter and I was essentially at a dead end with my dealings with Chase. Since I refused to pay until Chase either cooperated in answering questions regarding the change in APR or come to an agreement to settle the account, the account went on collecting interest and fees and at some point the balance reached {$960.00} and I believe they charged off the account. 
I 've since had a few correspondences with XXXX XXXX in the Executive offices of Chase. 
And here is the gist of those. 
She said they ( Washington Mutual ) were justified in raising the interest rate to a default APR under section XXXX " you fail to pay any amount due to us under this Agreement or any other agreement. '' There are two things I would like to point out. 
1. I did not " fail '' to pay. The payment was made. It was " late '' by a couple weeks, however nowhere does it say that I ca n't make a late payment. ( Note that it was n't even 30 days late and never was ). 

2. The second thing I would like to point out to you is under section XXXX ; " If a change is made that increases the APR or APRs that apply to your Account, you will be given an opportunity to avoid the change by closing your Account and paying off any existing balance under the terms in effect prior to the change. '' Washington Mutual did NOT give me the opportunity to do either of these things. 

Chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
I am refiling my complaint against United Wholesale Mortgage Company, Case # XXXX as I find their response to be wholly inadequate. Further, I attempted to contact them at the number provided, and it was not working, causing me further concern. They have generically written assurances, without responding specifically to my request that my records be destroyed since I pulled my XXXX mortgage applications. Furthermore, as they claim to be following financial regulations, I would like to have copies of all regulations that they believe apply to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
From XXXX XXXX to XXXX XXXX, Convergent Outsourcing , Inc. phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I 'm former account holder with Chase, I say former because over the past 3 years all my accounts at Chase ( checking / savings / credit card ) have been jacked four times - very interesting that only my accounts with Chase have been affected, none of my other accounts with other financial institution have been ever affected. 
Anyhow, On XXXX XXXX my Chase Freedom Account was part of a fraudulent scheme yet again ( over XXXX funds transfer / point redemption, etc. ). I went to the nearest branch, reported the activity - I asked to closed the account permanently, they informed me that they could only change cards that I would have to call customer service to close the account permanently. I did call customer service I requested to close the account permanently, I paid the balance on the account AND asked the representative that what would happen with the points that were pending to be redeemed once the account was closed, I was informed that I would be receiving a check for the cash amount once the balance on the account was paid. 
I just called today XXXX XXXX to make sure the payment was received ; in fact, it was received, I asked again for the pending points to be redeemed I am told this time that since the account was closed permanently I lose those points. I find it ridiculous that their AMAZING customer service reps are not presenting the facts clears to clients. I went to the office branch again and I 'm told they can help because I 'm not a client anymore. 
I 've sent several emails to customer service and no one has contacted me back. expect my points to be converted to cash and be paid out as the first customer service rep told me over the phone on XXXX XXXX. After dealing with several fraud episodes at Chase over the past 4 years this is an unacceptable behavior and disastrous customers service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase XXXX XXXX XXXX victimized us by approving a modification then said ca n't make payments till new rates are figured out! XXXX a supervisor told me she told them not to say that anymore.Chase charged 19 % intr on XXXX part loan.after a year asked if I wanted to modify mortgage.then select portfolio servicing asked if I wanted to modify mortgage and gave me the runaround after I sent modification packets after packets completed packets, legal aid faxed them and knew they were completed.I 've tried mediation, dream home, making home affordable, FLORIDA hardest hit, bankruptcy told to poor to file for bankruptcy.for six years I got the runaround till sold our home at auction now facing eviction.Chase put payments in suspense account because of XXXX cents short charged late fees and ignored approved modification.Jammed foreclosure documents in the door jamb and singed and affidavit that he gave it to my wife when I found it in the XXXX.

Company response to consumer: Closed with explanation