vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX based on an attractive bonus offer for frequent flier miles ( XXXX ) based on spending within the first year. The offer was XXXX XXXX for spending {$2000.00} in the first XXXX months, another XXXX XXXX for spending {$10000.00} in the first year, and an another XXXX XXXX for spending an additional {$10000.00} in the first year. I met the spending requirement for the extra XXXX in the first year, now the company is refusing to issue the miles stating that the bonus offer was never attached to my account and I would have had to have complained in the first XXXX days of opening the account in order to have it changed, even though I had a year to met the spending requirement. Chase also claims that the offer was only available to select individuals who received the offer by e-mail. However, the offer was advertised on the XXXX XXXX website, which is where I applied. I even have a screen shot of the offer I applied for that I shared on social media at the time. I have talked to several representatives at Chase and all are refusing to honor the bonus offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I became aware of having to recertify my REPAYE loan with Nelnet student loans. 
Prior to this these people have been great but due to misinformation, incorrect directions, and each person telling ( or not telling ) me what I need to know I now face the possiblity of almost a {$10000.00} capitalization on my student loans. 
After submitting form after form, time after time, without anyone helping me get this problem solved I finally, after mentioning I wanted to know if Nelnet had a corporate omnibudsman, I was informed there was a resolution center .... Wow ... 
Since all the calls are recorded I have proof and when I asked the supervisor who is held accountable and why should I have to have my interest recapitalized, she said that is an internal matter. the {$10000.00} I have to pay does not matter to Nelnet and they are going to force me to accept this even though it is their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been attempting to resolve this issue with Chase for MONTHS, regarding account number XXXX, which is related to a short sale done on XXXX XXXX XXXX XXXX, Ca - My previous CFPB complaint yielded some attention from chase, but they conducted an investigation on the wrong account. After sorting though their error, we ascertained that they indeed conducted an investigation on the wrong account, and they opened up a new executive case # XXXX - then I spoke to XXXX, and she agreed that due to the short sale being done on this property, California law protected me from any XXXX Lienholder deficiency balances or claims. She assured me the debt would be canceled out and I would receive written confirmation within 10 days. After not receiving any correspondence I call back again today, and they were unable to locate my executive case number, and to my grief, they said my account had been assigned to a third party collection agency! Wow, we went from " we are sorry, debt is being cancelled '' to " your account is no longer in our office, it has been assigned to collections. " I am disgusted, exhausted, and upset. Luckily, I have the call recording when I spoke to XXXX at Chase which I will be uploading for your review. Please, somebody do SOMETHING about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Many overdraft charges and insufficient funds when deposits were pending and checks cleared when deposits were made the same day. This has happened to me several times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After working with Chase Bank on an Internet scam ( XXXX ) for over 18 months with credits applied to my credit card account ( ending in XXXX then changed to XXXX to eliminate this issue ). I closed this account in XXXX 2015 with balanced paid in full. In XXXX 2015 I received a letter saying I authorized them to reopen another account which is not true. Now I keep getting bills with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
In XX/XX/XXXX, my bank account was frozen and funds taken for a debt that I knew nothing about. My bank provided me with information stating that Forster Garbus & Garbus had filed suit against me in XX/XX/XXXX. I called Forster Garbus and Garbus in XX/XX/XXXX and requested they send me all information regarding this case, as I had not been notified prior about any collection efforts. They sent this information dated XX/XX/XXXX, to my home and I reviewed it. I ascertained that the debt was valid, and since that time I have made repeated calls to the agency requesting to make payment arrangements for the debt, and for them to stop attacking my bank account and causing NUMEROUS overdraft fees to my account. I have received no answer from the agency, and my bank account was again hit on XX/XX/XXXX, causing financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.

Complaint narrative:
or the last few weeks I 've been receiving phone calls between XXXX : -XXXX in my timezone as I am living in XXXX and I explained this to them repeated that it was waking up my XXXX wife and causing XXXX. Every time the caller was abusive, threatening to serve me with papers, have me arrested for failure to appear, calling me names like dead beat even after I confirmed it was not me be verifying the last XXXX of my social. An earlier company said it was a debt from Bank one from 2011 and I had not done business with them during this time. I simply asked them to quit calling and they refused. They would make a threat and then hang up. I continued to ask who they were, any informaton they are required to give you and everytime they refused. I would call back and they would hang up repeatedly even when I would ask to speak to a supervisor. It 's hard to discribe the language she ( XXXX ) used every time she would call me or I would return her call. Finally tonight I was able to get the companies full name in order to file a complaint when another agent answered. This is not my debt and every time I register a new phone number the calls continue to my cell phone thorough skype to china. Once she insisted that I confirmed it was my debt when I clearly did not and threathen me again. I do n't know the exact number of calls this week but I 've talked to them over a dozen times and she said plainly they will not stop until the guy is caught so clearly she knows it 's not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has been falsely reporting information on my credit report. I have disputed the information with the credit bureaus and they continue to verify the many inaccuracies on my profile. 

I went through my records and found a monthly statement and it shows how Chase has provided fraudulent documents on my statements. The amounts of debt it stated I owed and other account details were inaccurate. The complete pay history is inaccurately reporting. 

How can they report inaccurate information with any care to how it may affect my credit. The terms balances etc all vary from the documents they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been dealing with Chase Bank about my mortgage since XX/XX/2014. I have asked for a copy of the qualifications for the cash for keys program, a copy of the qualifications for the relocation fund, a copy of the qualifications for a short sale, and a copy of the qualifications for a deed in lieu of foreclosure. Chase has repeatedly refused to help me with anything saying I do not meet the qualifications for any of these programs but they refuse to mail me a copy of the qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase is mismanaging my mortgage accounting records and charging me erroneous fees. They also owe me money for the faxes they requested. 

I 've complained several times that Chase inaccurately reports the amount I paid on my mortgage statements. I 've requested that Chase formally reflect my mortgage payments in my records accurately as I paid them not as Chase has bumbled them. Last XXXX, Chase inaccurately failed to " record '' over {$3700.00} in mortgage payments and it took me over eight months, over {$100.00} in faxing fees, and several complaints to the Consumer Protection Bureau to fix. Because I was right, because I paid on time, I want my records to show what I pay AND not what Chase has done to fix their own accounting mistakes. If one looks at my records attached, the accounting records are impossible to follow. The misapplication reversal payments are confusing and do not show what I paid. Instead, they show how Chase mismanaged my account and I can not do the accounting on my mortgage. I 've filed a CFPB complaint before, Chase told me they fixed it, but alas they have not come close. If Chase is going to charge me 5.2 % to manage my mortgage ( about XXXX a year ), in return I have a right to clear, transparent records on that loan and all the charges. 

WORSE, has the audacity to charge me fees that I do not recognize. Recently they charged me a " Collection inspection '' fee. How dare Chase charge me fees for Chase to do their own accounting. It 's wrong, it 's illegal, Chase does not have my consent to charge fees for inspecting records are a mess. 

Also, I want full refunds for all expenses I paid on this account including fees for faxing documents to Chase. Chase has records saying they will reimburse all costs of faxing documents they request and I want the full {$89.00}. I sent these request and was told that Chase " may '' or " may not '' reimburse although the documentation on their requests states they will reimburse for records they asked for. 

Chase needs to be accountable for their actions, provide clear record keeping, not charge me for their own mistakes in record keeping, and reimburse for erroneous fees charged, and reimburse me for records they requested and told me they would pay for in writing and verbally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid the title loan off in full per the claim from Wilshire Consumer Credit XXXX XXXX, 2016 and now rude and very unprofessional argumentative customer service stating I must pay additional {$690.00} to pay in full and get the title back for my truck, I have made several attempts to contact the supervisor however she never returns my call or respond to my letters. I paid the loan back in full {$6200.00} and just want my title free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: TX

Complaint narrative:
I spoke with a representative with NELNET in regards to eleven " Late 120 days '' accounts currently being reported to credit bureaus in the amount of {$0.00} past due. She stated that my account has not been with NELNET since XX/XX/XXXX, however they are still going to report late payments for the next 7 years. It is XX/XX/XXXX and I am being penalized for consolidating my loans with a different servicing company. This is extremely unethical and unfair for someone who is paying their student loans on time monthly but is still being reported for a XXXX balance, for XXXX separate accounts, by a company who no longer has access to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had fraudulent charges to my checking account, upon me discovering this I contacted JPMORGAN Chase and they refunded the charges and fees associated with the fraud. Several weeks later I received multiple notices from them stating the charges were not fraud and they were immediately removing all funds they had reimbursed. I immediatelywent into a branch to discuss the situation and was told that because I have budget application my phone that randomly updates connected to the account they show a " log in '' into the account that they assume I reviewed all charges every time the app updated and I did not report the fraud immediately that it is no longer fraud. Now the account is severely overdrawn and they are demanding payment and threatening to charge off and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just recently open a Chase bank account. Today I checked my balance and their was a withdrawal in the amount of $ XXXX. I called Chase knowing it was a fraudulent activity and I was told by the representatives that it seems like it was a withdrawal from within Chase for collection account. I started asking question that the representative could not answer and stated that she would need to transfer me to the collection department but It was already closed. What I remember was going to Chase and closing my account with a zero balance and I never received any documents from Chase that stated I was in collection. To the point that I just open an account with them with no issues. Chase is robbing me of my hard earned money. Please someone help me understand what is going on and what I can to prevent Chase from taking money that I do not owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.

Company response to consumer: Closed with explanation