vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: NM

Complaint narrative:
the company Westlake financial doing business in California. wont report ccccccccccc credit as per contract, my account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase shows up on my credit report as that I 'm not paying a debt. I do not owe any money nor do I have a chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: ID

Complaint narrative:
I submitted a payment to the Vermont Student Assistance Corporation. My bank, XXXX XXXX XXXX XXXX, reflects this {$73.00} charge from XXXX XXXX, 2016. This payment has never been reflected in my VSAC account. Shortly thereafter, my loan servicer became XXXX. Neither loan servicer shows a record of this payment. XXXX gave me a trace number : XXXX which should be useful in assisting VSAC in finding a record of this charge. 
In other words, the transaction occurred. But was applied as an increase of balance instead of reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Long Mortgage, A division of XXXX XXXX originally wrote my Mortgage loan and I specifically asked if I could make partial payments on the loan or bi-weekly payments and was assured that I could and such payments would be applied immediately and per the instructions I written on the check or in the notes. Essentially allowing me to pay down the mortgage faster and with less interest being paid overall overtime. Based on The answers that were affirmative I agreed to the loan. My credit score is excellent ( XXXX ), I put done a hefty down payment of {$400000.00} on a {$650000.00} home taking a loan for only {$250000.00} ), and the timing of my loan such that I got a XXXX 30 year fixed loan. 
Subsequently, ( In XXXX specifically, my loan was sold to JP Morgan Chase Bank , NA and I was told that partial payments would be sent back to me unprocessed and that only full payments would be accepted and per the terms of the loan ( principal & interest ). I immediately contacted them via their call center ( XXXX/XXXX/2015 ) and escalated my issues to a senior manager. I was told that my only choice was to cancel the loan. At this point I am in my new house ( it was a new Single family home purchase ) and the rate would not be as favorable on a 30 year fixed. Also we are amid boxes and finding all the documents and starting the entire process which took 45 days and more to complete is not in my favor. 
I finally got an option of going back to the original lender 's back office and having them submit ( in writing ) an amendment stating those terms on my loan and having them send it to Chase Bank. I has now been 2 weeks and I have had no definitive response. I am concerned that my time to change or make a decision will run out. How or waht can I do to insure that I come out whole in this fiasco? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has been charging me {$34.00} nsf for every transaction i dont have funds for, even when i dont have overdraft protection, and on top of that, the transaction get returned and they charge me another {$34.00}. so they made {$68.00} total per transaction from me for doing nothing for me. they just started doing this this year. before when the transaction is returned, they refund the nsf {$34.00} but now instead, they charge another {$34.00}. Doesnt make sense to just start changing the agreement and rules. the fees has accumulated over couple of hundreds already and i dont have the money to pay their fees for what shouldnt even have been there since the transactions never went through. when i complain to the, they just said its because i dont have the funds. Ridiculous. Help me out!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In 2016 I received written correspondence from Navient indicating that my loans ( XXXX ) were eligible for re-organization and consolidation of terma ( or something to that regard ) that was going to lower may payment. Should be noted that i had not requested any such thing nor had i missed any payments in over 5 years at the current rate. When i called Navient to inquire on what was being changed it became clear that they were automatically going to reduce my payments by extending the loan amortization period an additional 10 years. I had to verbally elect out at that time. The automatic and misleading nature of the correspondence was extremely worrisome but thankfully I have the financial expierence to recognize this type of covert and dishonest buainess practices to increase the amount of funds I would have paid over the extended life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: TX

Complaint narrative:
I am repaying my student loan back accordingly to XXXX/Nelnet, however it shows as XXXX derogatory marks on my credit summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I became total and permanently XXXX after graduating from college. Now, I have no source of income, other then what I get from XXXX. I attempted to have my loans discharged by said loan company and was denied. I am unable to make payments on my loans because I am unable to work. The only sensible course of action would be a discharge of said loans. It is unreasonable to penalize a person who can not make payments. If my loans are not discharged I will face default and eventual debt collection agencies. Therefore, I challenge the legitimacy of a company that employs such methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
As I 'm reading the news on the complaints against Navient, I realize I 've seen the same practices being carried out by Chase Mortgage against me. I 've filed several complaints in the past about this issue with no results. I will not explain in detail again, but the CFPB needs to be aware that other companies are using the same practices to make money. There are so many aspects of the service I received from Chase that I feel, no, know, were deceitful and unethical. However, the one I cant let go of is this : after a failed modification ( one I should have never been applying for in the first place because I had a USDA backed loan that was ineligible, but Chase still recommended and claims it was lack of training loan specialists properly that caused the oversight ) I paid Chase a large amount of money to bring my mortgage current. Chased applied these funds differently than what they were intended for causing my mortgage to be late once again by two payments. This meant more late fees and credit hits. Chase has a policy that they can only receive payments on a mortgage that is less than two payments behind. Meaning, either I paid the entire amount of the sum of two missed payments, or none at all. I did n't owe two missed payments as I had already paid, but they " lost '' the money. I did n't have that amount of money again! I only wanted to pay my current amount owed! It took them over 2 months to correct this issue. I could not make a payment during this time. That 's 4 missed payments and 4 credit hits, on top of the ones I had already accrued due to the bogus modification. This has ruined me financially. Fortunately I was able to sell the house in 2016, but my family and I are stuck renting in a bad neighborhood because renting anything better requires good credit. I live in fear in my own home because of break-ins, vandalism, and strangers walking the streets. My children ca n't play outside. My car sustains damage from reckless drivers because I have no room in my driveway. All because Chase is allowed to behave in this manner without checks and balances for said behavior. Please read this. And please do n't request Chase to investigate themselves again. They find themselves not at fault ... of course. They need to be held accountable! Just XXXX my complaint. There are thousands of us with the same complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I retired from my job at the age XXXX where I had an HSA account. I was later contacted by Chase XXXX operations that I had to fill out a form to get my XXXX balance sent to me since I no longer worked at the company. Twice I called and twice I did not get the form, so I have yet to get my balance, approximately {$3000.00}. I am XXXX and on social security. I need these funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
7day hold on a check depositied to my Dime Savings Bank acct. Is n't there a rule against this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have XXXX bank accounts with Chase bank -- XXXX checking account and XXXX savings accounts. I recently got married ( in XXXX 2016 ) and called Chase to see what I could do in order to change my name on my bank accounts to my new married name. The instruction I received from customer service was to go into a branch and present my name change documents. The problem is that I live in Tennessee and there are no Chase branches in the state. I asked for the alternative process and was told that I could receive a signature card and letter in the mail ; I would need to sign the signature card and provide the copies of my name change documents through the mail. This sounded reasonable, as it was the same procedure as visiting the branch, just through the mail. The next day, I received a phone call from a supervisor who told me that the letter would not be able to be sent to me until the Research Department approved it. It has been nearly a month and the Research Department still has n't addressed my request. Every time I contact the bank via online message or by calling, I am told there is nothing they can do to help me. I was told that one of the hang ups was the fact that my son is joint with me on one of the savings accounts and he would have to provide an ID in order for the Research Department to consider allowing me to submit my name change documents. He is a minor and does not have an ID. The bank did not require him to have an ID when we opened the account -- that is why I am on the account with him. I do not understand why his ID ( or the approval of a minor ) would have anything to do with me being able to change my name because I got married. Coincidentally, I called customer service today -- because I got the message from online banking that they could n't help me and referred me there -- and closed the account on which I am joint with my son. I closed the account OVER THE PHONE, without any approval or correspondence from him! That makes absolutely no sense! 

My issue is that my bank accounts have my maiden name. My legal identification has my married name. I tried to use my bank card at a merchant and was asked to present identification to validate my authority to use the card. The identification I presented did not have the same name as the bank card. I was accused of potential fraud for using another person 's card -- but, it was my own! All I want to do is change my name on my bank accounts and the bank will not allow me to submit any documentation to do so. The closest branch to me is XXXX miles, one way. That seems egregious to request that I drive nearly XXXX miles round trip -- just to change my name on my accounts! 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset, the customer service representative made an error and credited too much back to our account. On my XXXX statement, Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however, on my XXXX statement, XXXX re-billed my account for {$710.00}. I have made phone calls, uploaded evidence into the website and faxed information to Chase and they have yet to reverse the charge. With every phone call I make there is another excuse as to why they have not reversed the charge and I start the dispute process over - providing evidence in writing. 

Regarding XXXX, the hotels were clearly marked as having free cancellation by XXXX XXXX. We made the reservations in XXXX and held onto them for only a couple of days. There was absolutely no one to speak to at XXXX and I will never use that " service '' again. 

My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XX/XX/XXXX. XXXX is pulling over that short sale from XX/XX/XXXX is now late in XX/XX/XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XX/XX/XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XX/XX/XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying

Company response to consumer: Closed with explanation