vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My wife and I purchased our home XX/XX/XXXX under an FHA mortgage from Chase. In XXXX XXXX, we refinanced with Chase to lower our interest rate a little. The refinance was also an FHA loan, so it included monthly PMI payments. As it 's been explained to me, PMI payments MUST continue to be made monthly for at least 5 years and the loan balance must be less than 80 % of the original assessed value in order to stop making PMI payments. When we refinanced, Chase 's representatives assured my wife and I that this 5-year mandatory PMI payment was based on the original date of purchase of our home in XX/XX/XXXX, not on the refinance date of XXXX XXXX, so we accepted the refinance offer even though the interest rate was less than half a percent less than our original XXXX. We were assured by Chase that this was the right thing to do, financially. In XX/XX/XXXX, I called Chase to ask what balance I needed to be at in order to stop paying PMI, and was told that I could n't drop PMI until XXXX XXXX at the earliest because the 5-year mandatory PMI payment resets from the date when we refinanced!! As a result of Chase 's failure to disclose this feature of the FHA refinance properly, I am now paying three more years of PMI premiums at a cost of several thousand dollars. When I asked Chase to stop charging me PMI, they hid behind the law. I told them I wanted them to pay the PMI out of their own ledgers since it was their deceptive practices that put me in this position, and they responded by parroting the terms of the refinance back to me and sending me a photocopy of a page from the mortgage documents that does n't address my fundamental problem. I understood the required 5-years of PMI when I got my original loan in XX/XX/XXXX, but nobody explained to me that the clock would reset when I refinanced! In fact, they told me the opposite. Chase argues that they disclosed fully, the nature of the loan, but they KNEW the terms of my original loan because they serviced it at the time of the refinance, and they ALSO KNEW the terms of my refinance because they wrote it?! Did n't it occur to anyone in their sales department to ask why a client would knowingly set himself up for another 3 years of PMI? As it turns out, my wife and I will probably stay in our home long enough that the refinance will end up making sense based on the interest rate being lower, but I should have started realizing those savings sooner if not for having been misled by Chase 's sales people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
My accountant and I just completed an audit of my XXXX Chase XXXX Mileage Plus Visa cards for 2014 and found a duplicate XXXX XXXX ( XXXX ) charge that occurred on XX/XX/XXXX that posted to the account on XX/XX/XXXX. The error cost us {$1900.00}. We were dismayed when we found it and do n't understand why Chase does not pay closer attention to it customer 's statements before billing us with grave mistakes from their vendor branded cards!?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
There was a {$2000.00} charge on my credit card for " XXXX '', we had disputed the charge with Chase, and after 3 months of reviewing it they denied our dispute and said they had no other information available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase/jp mortgage keeps telling my wife and i that we never payed our mortgage in XX/XX/XXXX. We have twice proven otherwise, we faxed in our complete Chase bank statement showing the electronic payment for the mortgage we included 2 months prior and about 6 months after the claimed missed payment. The statements clearly show the payment leaving our account and no other moneys being returned we have also confirmed with chase bank that we did not receive any moneys from Chase/JP. 

After both times we faxed in proof we payed they say they will look into it, never get back to us and begin calling saying we owe them a XX/XX/XXXX payment and they have no record of us trying to resolve this. 

There are other problems that have occurred because of this so called missed payment. 
in XX/XX/XXXX they closed our online account and would not allow us to make payments until the XX/XX/XXXX payment was settled while charging us late fees for XX/XX/XXXX and XX/XX/XXXX. 

We only found out about this " missed '' XX/XX/XXXX payment in XX/XX/XXXX because the loan matured and caused a conflict in Chase/jp 's computer system. They had supposedly been calling us and sending certified letters which my wife nor i had never received a call or letter. 

Every time we call it is near impossible to get answers to questions because depending on the question you get transferred back and forth between departments and have to tell the whole story. 
The final issue is they signed us up for mortgage assistance which neither my wife or i signed up for. When we asked for who and when the assistance was signed up they had no record. We did not ever need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Nelnet parent plus loan XXXX/XXXX/XXXX statement : Original principal amount {$7800.00} interest rate 7.9 % total principal payments paid thru XXXX/XXXX/XXXX {$7400.00}. Total payoff amount thru XXXX/XXXX/XXXX {$1400.00}. My next payment due is late XX/XX/XXXX. 

I have called Nelnet several times to find out how this is even possible. I am told that interest is paid first. I know that and I am paying my interest and more than doubling my principal payments. How can I have to pay off more in principal than I borrowed? I can provide statements and payment history for review. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i am not able to log into my account online. If i enter a user id it says that it is used, but i can not get access from the system

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX advertised on their website that if I apply for credit card called Mileage Plus Explorer/ Chase credit card and spend {$1000.00} within three months I will get {$50.00} statement credit and promotional XXXX miles in my XXXX XXXX frequent flyer mileage account. I applied for card and have received it since XX/XX/XXXX. I have already have spend over {$1000.00} using that credit card account. so I contacted Chase Manhattan Bank if I would be getting my statement credit and promotional miles. Representative replied I would not get either miles nor statement credit. I need Chase Manhattan Bank to provide {$50.00} statement credit and promotional miles in my frequent flyer mileage account at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I tried to make payments that I could afford but was told that if I did n't make the full {$1600.00}, payment per month, that my payments would not be accepted or count towards my loans. I was encouraged to take a forbearance, continually and not told about payment sensitive options. I work in XXXX, so my salary is low but was not told that my loans could be forgiven because of my field. My loans have quadrupled since I left school and I have no way of ever paying the actual loans off, even with XXXX additional jobs. I want to make payments but I need a lower more affordable amount, less than a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to pay my mortgage up to date today XXXX XXXX 2015 at Chase Bank they told me they will not take my payment. I called the number they gave me they tell me I am in foreclosure. I just took the XXXX out of my IRA to get all up to date. They foreclosed on the XXXX XXXX 2015 and they are telling me I have to pay a Lawyer money now. Can you help me These people do not care for vets. They could have called me last week and I would have paid XXXXthem right away. I just could not get away I am a single Dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have ACH debits pending for my business savings account that are posting today. When I tried to transfer funds from my business checking to my business savings, Chase would not allow me to transfer the money to cover the debits, even though I had more than enough available funds in my checking account to cover the transfer. When I called customer service, they instructed me to go into the branch and physically withdraw cash from my checking and deposit it into my savings. I had to take off of work to go to the bank and was still unable to initially withdraw the funds from my checking account in this manner. I was told that since I have Overdraft Protection, Chase 's system put a hold on the funds and would n't enable me to initiate the transfer. After nearly an hour, the customer service rep in the branch finally removed Overdraft Protection from my account and was then able to make the transfer. Chase prohibited me from transferring the funds to cover my pending ACH withdrawals on the day that debits were posting and had I not gone into the bank, I would have been hit with a series of Overdraft Protection Fees through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Early XXXX Received an UNSOLICITED credit card in the mail- XXXX rewards XXXX thru Chase Bank XXXX Never applied or requested information about this card. 
XXXX XXXX Received statement with balance of XXXX. Charge is for card services not purchases. No purchases had been made. 
XXXX Called to inquire about charges and how account was opened- card was activated during that call not intentionally. Called customer service- explained situation. Advised to go through dispute department. Request account closed asked to remove charges and sent letter. 
XXXX Received letter saying account is closed but I am still obligated to pay balance of XXXX. 
Now late fees and interest are being assessed - current balance is {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
Since using the service it appears my credit improved then when i stopped using services i have not been able to get a school loan or car due to unknown activity as the result of their services at Lexington law firm credit services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I recently deposited a {$7000.00} check into my account at Chase bank, this is something that I have done in years past. I have now been told that this is unusual activity and have froze me out of my account entirely. They are now asking for me to speak with the maker of the check which is not a possibility because the maker of the check is XXXX and does not have a car to get to a branch. I have spent 6 hours on the phone with chase trying to resolve this issue and I have been lied to on several occasions by being told that Chase calls the maker of every single check written and deposited into a chase account. I have been labeled as a criminal, and accused of fraud and I am tired of being harassed and lied to by chase. I have shown them check images of previous deposits, and that was not enough to show that this was not an unusual activity. After several phone calls with chase we were told that a notarized letter would work to verify that the maker of the check wrote the check, while writing this complaint right now the joint holder of the account is on the phone with chase and now they are saying that a notarized letter will not suffice to un-restrict the account, so yet again I have been lied to by chase. This is completely unacceptable and I am sick and tired of being lied to. I also received a direct deposit put into that account and now Chase is holding my paycheck from me and will not let me access my paycheck. I have had enough of chase and this is unacceptable. No one should ever bank with chase they illegally hold your paycheck, and they will lie to you and hold onto your money with no reason and close your account with no notice. Oh and if they do not receive information that they " require '' which is not required by law, they will steal your money and not allow you access to money that you have earned on your paycheck. NEVER USE CHASE they will swindle you out of your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE CARD MADE A HARD INQUIRE ON MXXXX REPORT ON XXXX/XXXX/2016 THAT I DIDNT CONSENT TO

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 — Received bad information about my loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.

Company response to consumer: Closed with explanation