vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The servicing for my loan recently transferred from XXXX to Chase. At XXXX ( and any of the prior servicers I have had in the past ) I was able to make bi-weekly payments. Chase does not. I called their support line and I was informed that 'Chase does not advice bi-weekly payments '. Furthermore, I was instructed that if I made bi-weekly payments I would need to call them to make sure the funds were applied correctly because they were not setup to handle bi-weekly payments. 

The fact that Chase does not advice bi-weekly payments completely contradicts all other financial institutions in terms of how to effectively pay down a mortgage and minimize interest payments. And the notion that I should call in each time I make an extra payment to ensure funds are accounted for correctly is frightening. XXXX would hope that Chase could handle this basic loan accounting themselves. 

Please recommend that Chase offer the proper options to those people with mortgages that are serviced by Chase. We should all be entitled to make bi-weekly payments if we choose and feel confident that Chase can process said payments correctly. 

Thanks in advance for you help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been attempting to arrange a payment plan that i myself could maintain. While in doings so I have recieved the run around via telephone for months when trying to communicate payment arrangements and/or agreements. I have tried communicating with them atleast once a month upon my first letter to start repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mortgage payments are made directly to my Mortgage company from my Credit Union account on a monthly basis. My original loan was with Chase and then was sold to XXXX XXXX Services. When it was sold to Chase XX/XX/2013 there were two payments that were never posted for XX/XX/2013 and XX/XX/2013. They were just forwarded over to XXXX and I have been charged with two late payments ever since that time going forward. I have contacted XXXX and Chase both to have them do an audit of my account and they both said nothing came out of it to change my account to bring it up to date to clear the two late payments. I have also filed a dispute on several occasions with the credit bureaus with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase cleared a fraudlent check. They did not even check to make sure the cashier 's check was legit until several days later after I had already spent the money. The funds were made available before they even checked. Then I called to pursue this and they told me that nothing could be done. I asked if I could speak to a manager and I was transferred to XXXX XXXX who then told me that he was making the decision not to refund my money. When I asked XXXX how I elevate my concern and appeal the decision, I was told that " We do n't have an appeals process. '' I asked if I could speak to his supervisor and he said, " There is no one available at this time. '' I asked if I could call his supervisor another time and he said no. He refused to give me a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have a 48 month auto loan with Westlake Financial Services payment of {$370.00} which is due on the XXXX of each month at the end of my 48 month term with a balance of {$900.00} which was due on XXXX/XXXX/15 on XXXX/XXXX/15 I only paid XXXX of the balance because of the high balance that all I had. And I told them that when the call kept coming every day XXXX a day or more after the XXXX of XXXX. They said the call will continue every day unless I hold it with a credit or debit card and told them every day that I will make the final payment when I receive my XXXX check on XXXX/XXXX/15. The call continue and I answers everyone and answer every question concerning my address it same thing everyday from the home phone to the ceil phone which I ask them to remove over a year ago because the ceil verbal and in writing. These past 21 days been a nightmare

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC
State: MA

Complaint narrative:
They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
DEAR CFPB, I HAVE FILED SEVERAL COMPLAINTS DIRECTLY WITH CHASE, AND THEY REFUSE TO DO ANYTHING. I HAVE A CHARGE ON MY CC, AND NO SERVICES NOR PRODUCTS WERE RECEIVED. THEY ARE REFUSING TO HELP ME WITH THIS MATTER, I EVEN HAVE A WITNESS WHO WAS AT THE SAME EVENT, THEY EVEN TIRED TO CHARGE MY CARD AFTER I BLOCKED IT AFTER THE INITIAL CHARGE. THE COMPANY DOING THE CHARGE IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received updated XXXX XXXX report to XXXX an unknown debt by XXXX XXXX, " XXXX '' for " Chase Manhattan Credit Card '' ... this is probably a reaged debt opened in XX/XX/XXXX. I have not had any credit cards since XX/XX/XXXX except the ones I hold now presently. If this is proven to be my debt ... it is still beyond statue of limitations to report it on a credit report is it not? XXXX XXXX failed to mail any information to me etc to acknowledge this alleged debt. Is n't this illegal? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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: NY

Complaint narrative:
Dear CFPB - Unfortunately, I have XXXX student loans that went into default over the past several years due to financial difficulties. I have been accepted to a graduate program for the fall semester, and can not get new loans until my defaulted loans are taken out of default. In order to get loans out of default and on a payment plan, I attempted to consolidate all XXXX of my loans into a new consolidation loan with XXXX XXXX XXXX XXXX. XXXX of the loans were successfully consolidated. However, the remaining XXXX loans that are serviced by Nelnet are stuck in " limbo ''. My NSLDS account shows that these XXXX loans are held by Nelnet but went into default in XXXX 2014, almost 2 years ago. Nelnet customer service informs me that the loans are in the process of being transferred to a collection agency hired by the DOE and that this process can take an indefinite amount of time. When I contacted DOE, they informed me that the loans are still held by Nelnet and have no other information. I would like to consolidate these XXXX remaining loans with my new consolidation loan with XXXX XXXX, but for the last several months, neither Nelnet nor the Department of Education can tell me where these loans are and when they will be transferred to a collection agency. What am I supposed to do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
World Wide Recovery is harassing me to pay a debt that happened in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nelnet, Inc.
State: ME

Complaint narrative:
My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was fraudulent activity on my HSA ( Health Savings Account ) card from XXXX XXXX till XXXX XXXX. This card was issued by Chase Bank and funded by payroll deductions and employer contributions. On XXXX/XXXX/XXXX I became aware of this activity after observing lower than expected remaining balance while making a payment for a health service. Since there is no monthly statement sent per the card issuer 's policy there was limited means of discovering this fraud earlier. The same day of discovering the fraud I informed Chase Bank of the same who recorded this information and mentioned that I 'll be contacted later. I was later asked to send dispute information in writing which I promptly did. 

In the meantime I also contacted the merchant from whom the charges were being sent to my account. I informed them of the fraudulent activity and discovered that there was a fraudulent email address that was on file with them to which they had been billing 4 times monthly since XXXX XXXX. They cancelled the fraudulent membership ( XXXX of them ) on my card and refunded charges for 3 months only. 
About a month later I received a call from a person with Chase bank who was assigned to investigate the dispute case. She arranged a 3 way conference call with merchant 's customer service department, who then explained the same information about the fraudulent email address being on-file with the merchant. They could not provide any other information. After that for several months I did not hear anything from Chase Bank about the dispute. I patiently waited since I was told that it can take several months to achieve final resolution. I called around XX/XX/XXXX and was informed via automated message that Chase was no longer servicing the account and can not help with any subject matter in that regard. I called again today on XXXX/XXXX/XXXX on a number found from the internet search instead of the number listed on my dispute paperwork and was able to reach a customer service person who informed that my claim was infact denied. In the denial information recorded in account notes, the 3-way conversation with the merchant and fraudulent email address being found on record with the merchant, was n't even mentioned. 

My complaint is that Chase Bank mishandled the dispute and incorrectly denied my claim and never informed me of that denial.

Company response to consumer: Closed with explanation