vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed a personal bank account of mine without any reason and will not tell me why. They have taken {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have banked with Chase for about ten years like a fool with out ever receiving a bank statement. And, when I made a request for XXXX, bank statement, my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
My balance consists of XXXX balances, a balance for purchases at 12.24 % and a balance transfer of 0.00 %. 
My goal is to pay my highest interest rate balance first and avoid any interest charges. 
In the small print section of my statement there is a section entitled " How to Avoid Paying Interest on Balances '' it says any payments made beyond the minimum amount due will be applied to the balances with the highest rates first. 
I tested this on my statement dated XXXX. I made two payments 1 day apart, one in the amount of the minimum balance, the other in the amount of my balance on purchases. When my next statement came in they reduced my purchases balance but not to XXXX. 
The continue to charge interest. This is UNFAIR and NOT CONSISTENT with the law in terms of how payments must be applied. 
This is widespread abuse of american consumers and Chase is making unfair XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XXXX XXXX, we purchased the home located at XXXX XXXX XXXX, XXXX, MA XXXX for {$490000.00}. At the time, we were promised by the mortgage broker that we would refinance in 3 months-time and get us out of the $ XXXX/month payment. 
o The sub-prime mortgages from XXXX XXXX XXXX, XXXX consisted of XXXX mortgages : XXXX Mortgage of {$390000.00} XXXX Mortgage of {$98000.00} Our numerous attempts in contacting the mortgage broker who told us that we would finance after 3 months would go unanswered. Phone messages were not returned and his when attempting to see him in his office, he was never available. 
In XXXX XXXX XXXX purchased the loan from XXXX, XXXX. 

This is a complaint and I respectfully request that your office provide me with competent evidence that you had the legal right to this property. 

Please provide me the written assignment of mortgage that serves as legal proof of the transfer of the loan from XXXX to XXXX and that contains the following information : The name of the assignor The names of the borrowers The date of the mortgage The original amount of the mortgage The original mortgage recording information The property 's legal description Evidence showing that the assignment of mortgage was recorded in the county records when purchased from XXXX XX/XX/XXXX. 

Here is some information on XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: OH

Complaint narrative:
I wa contacted regarding a credit card debt from 2011 by Preimum Recievables out of Huntington XXXX, California. I was told I was contacted by mail and never recieved this information. They contacted my work and my cell phone saying they were going to serve civil matter paperwork. I insisted I resolved this out of court and requested a validation of debt. They said they were not going to do that by law because they did n't have to after 30 days of contacting me. They sent me a letter saying what was owed beforehand via e-mail. After recieving that is when I asked for validation. He started argueing with me and said he would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. 
On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. 
If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW

Company response to consumer: Closed
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am facing foreclosure after I have been trying to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has not helped us in the proper way. They did not follow the XXXX programs which I clearly qualified for. I checked the XXXX calculator with many other Real Estate, Banks, and Finance companies and they all told me the same. Chase should of tried to help me by reducing my APR ( Annual Percentage Rate ) from what I had for years of 5.625 % to 2 %. They basically have just given me an internal XXXX XXXX Modification that it 's meant for me to fail twice. XXXX in XXXX and the other in XXXX. I was on XXXX for the past 2 years and they placed me on a trial payment under {$1500.00} and all of a sudden they set me up on a payment of {$2100.00}. Please review all the documents and let me know what you can do. This has gone on for more than 5 years. I do not want to loose my home. I have sold most of my belongings and borrowed money to keep up with my bills and payments. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
I lost my home to greentree servicing on XX/XX/XXXX due to loan modification process, loan process lingered for 12 months .I have filed XXXX complaints to my attorney general they were no help. I have had this mortgage for 18 years with XXXX year note. greentree deceived me through whole process. I have filed XXXX complaints with CFPB as of today I have had NO response from your XX/XX/XXXX. Regarding lawsuit. I was informed few days ago that ONLY mortgage from XX/XX/XXXX XX/XX/XXXX was quafied for settlement.!!!!! I have been harassed, decived, threaten, when I would fall behind. SO Why only a few have more rights to receive compensation than I?? This is unfair that our govt pick and chose. I have sent all my documents to your agency and would like an answer. I have lost my home with 2 years left to pay. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I applied for Loss Mitigation Assistance through my Servicer Chase which is supposed to be provided to me under the terms of the numerous Settlement Agreements Chase has made with the United States government over their wrong doing in the XX/XX/XXXX financial collapse.I also know that I am qualified under the terms the government set forth for Chase. For a year now I have been told I am qualified for assistance but have been delayed by Chase without any written or verbal reason. I have been asked to submit numerous documents several times, duplicate, triplicate and more. On this final attempt to settle my account after Chase approved loss mitigation for my account Chase does n't seem to know how to receive or may contact with the investor on my mortgage which is absurd. I have been waiting for 10 days to close this file out with Chase and they ca n't or wo n't make a decision. As the servicer they must have the authority to make final decisions on my loan in a time specific manner as they agreed to this in their court settlements with the government

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase is continuing to report a mortgage that was opened in my name without my consent. I have disputed the debt with the credit bureaus and have submitted an official police report. the entry is effecting my debt to income ratio and I 'm suffering damages because I ca n't get approved for what I need. Please make not of this complaint and help me to resolve it quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Paragon Revenue recently reported XXXX collection accounts on my credit report. I did not received a notice of right to dispute prior to the accounts hitting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have called XXXX XXXX , XXXX to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.

Company response to consumer: Closed with explanation