vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I HAVE A MODIFIED LOAN WITH CHASE MORTGAGE. I ASKED THEM FOR A COMPLETE ITEMIZATION OF THE BALLOON ON MY MODIFIED LOAN IN THE AMOUNT OF {$66000.00}. I ALSO ASKED THEM TO PROVIDE TO ME IN WRITING THE INCENTIVES I AM APPROVED FOR WITH THE US DEPT OF TREASURY, SPECIFICALL THE 6-YEAR ANNIVERSARY INCENTIVE FOR ON TIME PAYMENTS OF MY MODIFIED LOAN. I SPOKE TO XXXX XXXX WELL OVER 2 WEEKS AGO ( TODAY IS XXXX/XXXX/15 ) AND SHE TOLD ME VERBALLY THE ANSWERS TO THESE QUESTIONS HAD BEEN PUT IN THE MAIL. AS OF YESTERDAY I HAVE NOT RECEIVED ANY OF WHAT I ASKED FOR. I DO NOT BELIEVE ANYTHING A CHASE EMPLOYEE SAYS TO ME VERBALLY AS THEY HAVE LIED TO ME VERBALLY FOR OVER 4 YEARS. I NEED WHAT XXXX TOLD ME IN WRITING. I NEED TO KNOW WHAT THE {$66000.00} BALLOON CONSISTS OF, EVERY PENNY OF THAT BALLOON AND I NEED TO KNOW AL THE REMAINING XXXX DEPT OF TREASURY INCENTIVES FOR MY MODIFIED LOAN. I NEED CHASE TO SEND THIS TO ME IN WRITING. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: NY

Complaint narrative:
I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To begin with I received the following mailer in XXXX 2015 - '' Exclusively for Marriott Rewards Members - Elite XXXX Program offering XXXX bonus points with the Chase Visa Credit Card when you spend {$2000.00} in the first 3 months '' - Around the middle of XXXX I called the toll free number XXXX and requested for the Marriott Visa Card. 
The Lady accepted my request and applied for the Chase Visa Credit Card from Marriott Rewards ( subject to approval ) and said that I should receive the card in 1-2 weeks. I clearly discussed the XXXX bonus point option offered by this program and expressed the fact that the only reason I am applying for this Card is because I will spend the {$2000.00} within the first 3 months/billing cycle and want to avail the XXXX elite points on my Marriott Rewards card. 
I received the new Marriot Visa Card from Chase around XXXX XXXX by first class mail. I called to activate the Card on XXXX XXXX and started spending on the card. From XXXX XXXX through XXXX XXXX I made purchases in the amounts of over {$6000.00} - BUT TO MY SURPRISE I was only given XXXX elite points in my Marriott Rewards Account and NOT the XXXX points as promised. 
I first called Marriott Rewards and the Chase XXXX customer service around XX/XX/XXXX and complained the fact that I only see XXXX points instead of XXXX and they said to wait for a few more weeks. On XXXX XXXX I again double checked and called back to talk to the manager XXXX who said that he is going to send an email right away requesting for the additional XXXX points. Nothing happened after that - So once again I called both the Chase Card Customer service and requested for a manager. The super visor XXXX came on the call and said that I had signed up for the {$1000.00} / XXXX Bonus Points program and not the XXXX program - which is NOT TRUE because the number I called ( given in the mailer above was dedicated for the XXXX program ). So I called the same number XXXX again and put both the parties in Speaker and clarified the fact that this number which I had called in XX/XX/XXXX to sign up for this Marriott Card is dedicated for the XXXX program and so I did not do anything wrong on my part. 
I have been with Marriott Rewards as a Platinum member for over 7 years as I used to travel every week. Last XXXX years due to the nature of my contract I was working remotely 95 % of the time hence my Marriott Status dropped down and the only reason why I signed up for this program is to hike the points/status. 
I find this simply a utter mis-communication between XXXX and Chase and I should not be the one suffering for this. 
My Rewards number is XXXX and my contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Earlier this month I contacted Chase through my/their credit card card web site and initiated a request for a credit line increase on XXXX of the XXXX I have through them. After some back/forth correspondence through the site, I was advised I was approved for the XXXX increase requested and would receive a formal letter latter documenting the approval. 

Well when I got their letter I was then informed though the XXXX increase was effected on the XXXX card ..., they were reducing the credit line on another by XXXX. Essentially not providing me any increase collectively on the cards. 

I contacted them by telephone and spoke w/ XXXX different people and requested they restore the XXXX reduction they took from a card not part of my beginning correspondence w/ them. They refused ...., yet suggested I could go back to what it all had been previously. I told them that was not a satisfactory resolution. 

Per their behavior, do I have a basis in any of the consumer laws to file a complaint against them and seek redress?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We ( XXXX owners ) have tried to sell XXXX properties for about 10 years with no success the situation has become unmanageable, extremely stressful, and costly. There seemed to be no way out other than to do a short sale and take whatever the consequences may be. Started with a real estate agent and short sale company XXXX/XXXX/2014 buyers have been obtained and there are agreements of sale on both the properties, XXXX for 5 months and XXXX for ten months. The mortgage company continually asks for the same information all during these months with no progress and no resolution. We are now in jeopardy of losing the buyers XXXX of the buyers has extended at least 4 times ; XXXX XXXX is the expiration of both the agreements of sale. When our short sale company or myself tries to determine what the problem is no one seems to know. We have requested a conference call to get to the bottom of what is the problem, but we are getting no where with that request either. We are trying to avoid the foreclosure by bringing qualified buyers to the mortgage company that actually both the agreements are equal to or greater than the appraised value that the mortgage company has had them appraised recently. 10 months for XXXX property and 5 months for the other seems quite unreasonable to review these requests especially when they have been in receipt of all the requested documentation for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: CA

Complaint narrative:
I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
through Chase buying up banks, I ended up with 6 chase credit cards, I paid 3 to a zero balance with no late payments. My open accts were seized by the XXXX, I filed chapter XXXX bankruptcy on XX/XX/XXXX. 3 Chase accounts were included in the bankruptcy. Chase maliciously and intentionally removed the positive credit from my credit reports, and still shows the accts that were included in my bankruptcy. I contacted Chase and was hung up on numerous times. If Chase can report discharged credit, then they should have left my good credit alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from Chase mortgage on XXXX/XXXX/15 dated XXXX/XXXX/15 stating that my XX/XX/XXXX mortgage payment was past due on account # XXXX. I called to inquiry why and how is my payment past due when I made the payment online on XXXX/XXXX/15 from my Chase checking account to my Chase mortgage account. The fund was immediately debited from my checking account on XXXX/XXXX/15. When I called the bank they told me my account was in lost mitigation. I have not miss a mortgage payment in years. I make my payment the same way online however it seems they have being crediting my account when they feel like it. I was told by a rep. that my account was up to date and she does n't know why i am not able to make my payment directly from my mortgage account. She told me it was an internet banking issue so i was transferred about four or five time on XXXX/XXXX/15 about XXXX or so. I was eventually told by the internet rep. some one would get bank to me. On XXXX/XXXX/15 at XXXX I received a call from an internet rep who told me my mortgage was with lost mitigation and that 's why I could not make my payment from the mortgage account site. He referred me bank to the mortgage department. I can and requested a supervisor or manager and I was transfer to lost mitigation where the rep asked me to verify myself which I did. However, the process got ridiculous with her asking for my middle initial. She told she could speak to me any longer if I did n't give my middle initial so I asked her to give me some who will. She transferred me to a customer abuse recording which ultimately hung up the phone. i received no help and I think they are trying to commit mortgage fraud by putting me in default when my payment are make on time. I assist in this matter. They have done this to me in the past which result in late payments my credit report in XXXX and XX/XX/XXXX which has affect my ability to get credit even today. This is very disturbing and upsetting and I am afraid they will try to take my house. This is bring great stress to my life, when I am making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX in XXXX 2015. When I was arranging auto financing with Finance Director, she said if I purchased additional options like a service contract she would give me an auto loan with Chase Bank for 78 months at a monthly payment of {$600.00}. When I returned a week later to cancel the option, she would not lower the monthly payments to {$350.00} for the original term of 78 months to adjust for the lower purchase cost even though she told me otherwise when I purchased the car. She wants me to continue to pay $ XXXX monthly with a new term of 60 months. In addition, after more than 2 months she has not adjusted the loan balance to the lower amount even after I contacted her and Chase Bank numerous times. Presently, I am stuck with a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pay off my balance due on XXXX/XXXX/XXXX which it was a weekend but they claim if was after they cuff off and charge me interest even that it was paid on time and in full. The payment was no process with my bank until XX/XX/XXXX because the due date was over the weekend. Whether is mail or online the laws says that we have 21 until the due date for the credit card to received payment and if the payment is over the weekend there is a grace period until the next business day. The law of credit card act does not specified any time cutoff for weekend payment only for business day. if payment is received within the 21 days and fall in a weekend a grace period will be in place. Whether is mail or online this should apply. The credit card law of XX/XX/XXXX section 106 ( a ) 2 and section 163 ( a ) and ( b ) which they credit card company did not mail me the statement within 21 days to the due date as require by Law. I received the statement on XX/XX/XXXX when the bill was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a checking account at Chase Bank in XXXX, NY with a coupon guaranteeing a {$200.00} rebate with direct deposit. I told the clerk I was a secondary name on another chase account to ask if I still qualified. She went to a manager to check and came back with an affirmative. I complied with the direct deposit stipulation but hadnt received the rebate months later. When I asked at the branch they said I didnt qualify. I wouldnt have opened the account if the bank representative said I didnt qualify at that time. Obvious misrepresentation to get me to open an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I was offered a forbearance loan by XXXX XXXX then in XXXX of XXXX I was transferred to XXXX XXXX for a loan Modification, now I 'm working with XXXX XXXX as of XXXX XXXX, all with the LoanCare Servicing company. In XXXX California passed a law that the loan servicing company had to provide you with a written letter that your loan modification servicer was going to be changed to a different person. I have been tossed around by XXXX different people and each has a different answer to any question that I ask. I 'm being told now that my final loan medication will take 90 days to complete during which time they will continue to report my loan to the credit bureau as being late. I have made all of my forbearance loan payment and trial loan modification payments on time and yet I 'm continued to be punished by them. This has caused my credit to be greatly effected. And I demand someone look into the practices of the LoanCare because every call to them yields a different answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase refuses to go through with a chargeback for an unauthorized amount. I had agreed to a purchase of {$24.00}, and was charged {$170.00} on XXXX/XXXX/15. I initiated a chargeback with chase to attempt to recover the funds from this transaction. Chase did not ever send me a written reply about the status of my case. I requested updates on the status in writing every 2 weeks, with verified delivery. Chase eventually told me that " too much time has passed, and we are unable to do anything about this dispute. '' I told them that this was not fair because I was constantly requesting updates, and the original dispute was within the 60 day window allowed. They claimed that they sent me mail requesting information from me, and I never replied. When I told the representative that the only reply I had gotten from XXXX was that " they were investigating and would let me know if they needed further information '' and that I never actually received a request for said information, he said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mother died a couple years ago and we have been working with the mortgage company to get the names changed on the account to no avail. We have provided numerous qualified written requests via fax and overnight mail, some of which we received a response well past CFPB guidelines or not at all. We have provided all of the information requested again, as recent as XX/XX/2016 and the account still has not been changed. Additionally, now it appears they have put the insurance in jeopardy of being cancelled. We have made every payment on time and the account is escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up for a XXXX that has an annual fee when I was traveling a lot for work and could benefit from the benefits offered with that card. I no longer travel for work and I no longer want the benefits associated with that card and I want to convert it to a card with no annual fee. Chase bank does not offer a credit card with no fee that can be assigned to this line of credit. The only option they gave me is to cancel my line of credit. ( or a card with a lower annual fee which is not acceptable ) This would have a negative effect on my credit rating because my credit usage would go up, and my life of credit would go down, resulting in a reduction of my XXXX score. This is not fair. they are holding my XXXX score hostage. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
CHEXSYSTEMS IN REPORTING FRAUDULENT ACCONTS IN VIOLATION OF DODD-FRANK ACT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation