vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XX/XX/XXXX second loan with this bank two separate loans. First was XXXX XXXX dollars purchase single XXXX home XXXX XXXX no land attached. XXXX XXXX XXXX notorized and requested my XXXX XXXX XXXX dollar loan with land as collateral for purchase of XXXX XXXX, location XXXX XXXX XXXX XXXX valley XXXX XXXX of XXXX XXXX. Deed recorded at Auditor 's office XXXX XXXX XXXX of XXXX. Washington Mutual Bank gave me XXXX XXXX XXXX dollars XXXX XXXX. XXXX XXXX XXXX passed XXXX land deeds to XXXX XXXX XXXX first was recorded in XXXX Wa XXXX of XXXX. Other XXXX XXXX XXXX stamped XXXX WA XXXX of XXXX. Public sewer did not come in too my property till the XXXX of XXXX XXXX. My XXXX mobile sat empty till XXXX of XXXX. JP Morgan Chase has been trying to bully me out of my land, I requested their research department to secure the land deed and Estimate acreage from their XXXX Wa Branch XXXX XXXX. They did nothing. First complaint to Attorney General XXXX XXXX public XXXX ref. Complaint XXXX of XXXX. Ref complaint of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: MA

Complaint narrative:
Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: IL

Complaint narrative:
I was 90 days late on a student loan payment in XXXX of 2014. I pay all classes of loans in one monthly payment. On the credit report attached " dept of education '' shows up XXXX separate times for this late payment, and I think it should only be reflected once. I could be wrong, but it seems that maybe I should refinance all loans into XXXX .... in the case that this happens and it would all be just XXXX entry. it seems that it it disproportionately impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase has just stated ( XXXX XXXX, XXXX ) that I am due for the XXXX XXXX payment on this loan and I am attaching proofs of payments made from XXXX XXXX - XXXX XXXX. Also I am attaching XXXX wrongful/illegal acts of mortgage banking : first a suspense account that DID exist for years and my original loan document showing that my loan is based on Estimate Payments which is also predatory. XXXX XXXX XXXX and XXXX XXXX XXXX have lied to me during the past two weeks on this and many other issues in effort to give this site as well as XXXX and other agencies wrongful information, while hiding the attached proving the suspense account as well as predatory lending ( estimate payments schedule since XXXX ). XXXX XXXX has told me via phone last week that I only need wait for the " foreclosure sale date '' and refused to answer my questions regarding an auction that would be first necessary to take my name off of my deed to give to a land court to throw me out eviction notice. Refusing to give me any acknowledgement/answers of this procedure denies me of my consumer rights!! as well as offering me a Non affordable modification ( based on predator loan wrong balance, etc ... ) which would take about 75 % of my small XXXX only ioncome which is no way affordable. This in itself is in breach of foreclosure laws!!! Regardless of my refusing it or not! due to this predator loan to be continued another XXXX40 yrs on the original {$72000.00} balance initiated in XXXX. Please see the attachment showing the interest alone {$230.00}, XXXX on that amount ( borrowed {$72000.00} ) the total they are still trying to make me pay is XXXX!!! 400 % interest!!! XXXX XXXX XXXX and XXXX XXXX XXXX should be investigated for possible fraud and or conspiracy!!!!! while also giving false information to this site as well as XXXX in effort to fraudulently foreclose on me starting possibly next week. Again my questions of an auction are being ignored as they do now want me to be home to witness my home being sold and a different name put on my deed to intentionally deny me of my consumer rights!! Again I am XXXX yrs old and legally XXXX with numerous XXXX related medical problems that are aggravated by all of this insanity and abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was initially contacted via email XX/XX/2016 by an individual stating they were a Broker for XXXX in XXXX and that they were interested in purchasing a timeshare I own at XXXX in XXXX. 

In order to complete the transaction I was told they needed a copy of my driver 's license and passport in addition to wiring {$1800.00} to XXXX in order to cover the costs of a power of attorney, remaining maintenance fees, and transfer certificate. After I had provided the documents and wired the money they stated that the " buyer '' had deposited an additional {$8900.00} into the escrow account to cover the cost of paying off the timeshare and are now requesting that I wire this amount to them before the funds in escrow will be released. I became concerned about the legitimacy of the request and discovered that the " Sr Broker '', XXXX was actually a criminal using an inactive license with the XXXX Division Of Real Estate from the Real XXXX who reported that he was a victim of identity theft over 1 year ago. 

I had spoke to the following people representing themselves as brokers for XXXX : XXXX, XXXX, and XXXX. Another individual, XXXX, stated that he was the Financial Escrow Executive for XXXX in XXXX. 

The contact information I received for each company is below : XXXX, XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX, XXXX XXXX Company No. XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received several calls from a company name legal support services, I then Received a voice mail stating that I needed to be home to sign for a legal letter, a phone number was left from the phone number XXXX to call XXXX if I needed to reschedule the delivery of these documents. Curious to what these documents were, I called the XXXX number. Someone named XXXX answered the phone, and said she worked for the legal support services for Chase. She informed me that the documents being sent were a notice of legal action taken against me by Chase for a credit card from 2004 that I had no memory of. I told her that I would not be home to accept these documents. She then informed me that if I am not home at the time of delivery, they would send someone to my job to deliver these documents about a court case that is now pending against me. She then said that they were also going to take garnishments from my wages. Still unclear of this credit card she is referring to, I began to ask questions in which she responded that she is not obligated to disclose this info. She could only tell me that I was going to have to pay the credit balance of XXXX XXXX and something dollars, in addition to court and legal fees. She then placed me on hold, came back to the phone and said Chase was willing to settle this credit card debt for the amount of {$990.00} if I can agree to pay it in full. If I agreed to pay the {$990.00}, the legal documents that I had to sign for would not be sent, no one would come to my job, and no garnishments would be taken, and I would not have to appear in court or have any legal actions taken against me. Scared from all of the threats, I agreed to pay the {$990.00} over the phone, even though I have no memory of a Chase card from 2004. She then gave me a confirmation number XXXX and said I would now receive documents in the mail, with all the details of our transactions, and a letter of XXXX balance that I would have to reference if I get called again. I have yet to receive anything in the mail. I just received my statement from the bank and noticed that the description for that payment says XXXX XXXX XXXX, a company I never heard of, again they told me they were legal support services for Chase. Please assist. I believe I was scammed, fool, tricked, and misled and forced to pay something that I did n't have to, but was forced out of fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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 had to report XXXX Incidents of Fraud to Chase Bank which resulted in me having to close my checking account. Chase told me I had to come in person to close the fraudulent checking account and open a new checking account. XXXX XXXX, I notified Chase fraud department to close out my debit card because a company connected to fraud had my credit card information and another call was placed XXXX XXXX to stop a check due to another company that was fraudulent. Since I had my account with Chase it was in good standing. I got caught up in ordering things from the Internet and the companies were not reliable. Chase okay-ed my new account and my new debit card. It was not until I checked my account to see if my Social Security Check had posted into my new account I found that there was no check posted.. Their personal banker for Chase name XXXX XXXX ( XXXX XXXX had transferred everything from the old account to the new. When I called Chase to asked them what happened to the direct deposit of the Social Security check they informed me my account was close and they no longer wanted my business. They did not know where my Social Security check went and they would mail me my account balance. I informed them that I could not wait for them to mail my funds and I was told that was the best they could do. They were very insensitive to my needs when I told them I had no money. Everything I had was tied up in their Bank account and they still insisted that they could not give me my full amount back. I love banking at Chase and I do not feel because I had a few bumps in the road they should close my account. They told me it was perfectly legal and they did not have to give me an explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank is the issue. I made a purchase with XXXX XXXX about two months ago and attempted to cancel the flight as there are numerous emergency landing in the past 8 weeks and also a cabin was smoky. I was told that there is a XXXX cancellation fee for each person when the website stated XXXX dollars. When I questioned this by calling the airline they stated that the fee is XXXX dollars for each. I tried to explain to them that the site uses the word " segment '' not round trip and they is very misleading. Every other airline site has very clear policies. I called them to resolve they will not, I told them I was a credit for the cancellation and all they will do is provide a voucher which means I 'm forced to fly with them EVEN THOUGH I do not feel safe. I 'm flying with a XXXX year old, I refuse to take my child in an unsafe airline, they are holding my money hostage, I have not used their service all I want it my money. I contact Chase via social media XXXX and they took the claim and gave me some non sense that the claim might not be approved after explaining to them these people are fraud and mis leading, I have never filed a claim with Chase ever, been a loyal customer, and I though credit card charges were protected in events as such. There is still no response via social media, I tweeted them about an call and their response was " We will call you when we are able '' extremely unsatisfied, not professional at all! All I want is my funds back on my CC, I have used the service, they are unreliable and unsafe and my credit card should protect me in instances as such instead of siding with the merchant. I have NOT benefited from anything I NEED HELP ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
after several conversations and their inability to assist me get back on track, they continue to call about credit card debt owed ; calling on sundays and holidays, multiple times per day ; after I have asked them not to call since I can not pay and they can not help. they have violated the FDCPA and I have filed complaints with CFPB and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 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 contacted Chase Bank to dispute a charge against a merchant, in this case a garage, XXXX in XXXX, NY, for services not provided to my vehicle. I had tried prior to this to work with the merchant who was not being agreeable. On XX/XX/XXXX, Chase XXXX a provisional credit of {$300.00} as they said they would conduct their investigation. 
On XX/XX/XXXX, I received a letter from chase stating that the {$300.00} " transaction was correct '' as originally billed by the merchant and " the funds [ relating to my dispute ] will be removed on XXXX/XXXX/XXXX. '' My concern with Chase 's investigation is I never had an issue with the transactions ; my issue was with services for repair not provided on my vehicle. On XX/XX/XXXX, I called Chase Bank 's customer service and spoke to a representative, who reviewed my case and said the reason I was not eligible for receiving funds was the original charges, I was disputing, were from XX/XX/XXXX and it had been past 120 days so I was not eligible for reimbursement. 
The reason this had taken so long is due to the back and forth in dealing with merchant who had not been forthcoming in coming to an agreement, my recourse was filing a dispute through Chase. The Chase representatives have not understood my dispute or taken into account my willingness to try to work out the dispute with the merchant and the weeks that went by to try and work out the situation with the merchant. 

I have used multiple payment methods, usage of my Chase debit card and my XXXX XXXX debit card to pay for the work on my car. XXXX XXXX ' final decision is still pending at the time of me writing this summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I fell behind in my payment and currently owe 2 months of payments and late fees, but the mortgage company has made it impossible to make my payment either online or by phone unless I pay the total amount I am behind. This is making it difficult to keep from falling further behind as I must now mail a check for one month 's payment. They also will not record the amount of the payment I am sending in unless it is the full amount which is causing me to incur further late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 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: MD

Complaint narrative:
Nelnet was servicing my student loans. I did not qualify for in-school deferment because my school was not XXXX XXXX. There were several conversations about a forbearance and/or deferment for several months from XXXX XXXX through XXXX XXXX. The forbearance was finally granted and was retroactive to to XXXX XXXX, XXXX but covered all months between XXXX XXXX, XXXX through XXXX XXXX, XXXX. My account was brought current with Nelnet but was never updated with the major credit bureaus. This behavior is contradictory to the FCRA 623 ( a ) ( 2 ). They are direct violation of the the FCRA. I have asked customer service representatives to send me written proof of my forbearance but they keep sending me a payment history. The last representative I spoke with told me, " this is not going to help your credit report, we are not fixing that ''. My loans have been consolidated. prior to the consolidation, Nelnet refused to even acknowledge the forbearance.

Company response to consumer: Closed with explanation