vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: GA

Complaint narrative:
We were served with a law suit from XXXX and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I had a XXXX balance in my CHASE checking account, then on XXXX XXXX, an incoming recurring debit card transaction hit my account, at which time CHASE arbitrarily decided to push through a debit card transaction in the amount of {$99.00} and then billed me a {$34.00} insufficient funds fee. I called customer service to find out why the transaction was not declined, I was told by the agent on the RECORDED CALL, that CHASE reserves the right depending on account standing to pay for transactions that come through the account and then as it turns out, charge their loyal customer for their generous act of kindness. I then told her that I signed a document stating I did not want CHASE to pay for ANY DEBIT CARD transactions when there was n't enough money in my account to cover the purchase. She then proceeded to tell me that " I know, it 's confusing, CHASE corporate is actually trying to figure out a way to make this less confusing for customers since they are confusing us paying for debit card transactions with overdraft protection. '' I do n't want overdraft protection, I do n't want ANYONE to pay for transactions on my account when there is no money in it. They are gouging the public with deceptive practices, they even admit there is no rhyme or reason, CHASE pays the transaction and then gets rich billing their customers NSF fees. Laws are enacted to limit the amount of fees these big banks charge in a given day, and then these banks find a way around the laws in order to still bill those NSF fees. I 'm shocked there has not been a lawsuit brought against these banks because of this as of yet!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased my home in XXXX XXXX and later my mortgage was purchased by chase bank. and i paid all my installments until XXXX and when the economy changed i had no money. so i kept trying to modify my loan. after a long battle. finally it was re-modified in XXXX for XXXX per month and i started making payments everymonth on time until XXXX XXXXand because i am a XXXX so after 6 months starting XXXX i started paying them by monthly straight my pay check as mortgage and i was never told that if i make part payments it will not be considered as mortgage payment instead it will be considered lower principle payment. until XXXX i got call from chase stating i am behind 2 months in my payments, where as according to my books i was ahead 4 months. i had paid mortgage payments until XXXX XXXX. 
since then no one can update this account and i am paying on time since than as well. but they still shows i am behind one month payment and keep charging me {$49.00} late fees for the last 3 years and when i call no one seems to understand me .. 
i told them simple solution. start from XXXX XXXX until XXXX it is 36 months and multiply it by XXXX = {$48000.00}. they should have received this amount if not few dollars more but instead they keep talking they did not receive this month payment or that month payment. 
and in last 3 years i must have spent atleast 10 hours with chase employees and i asked them same simple question. check my total payments but no one seems to take interest in it.. 
NOW I AM TIRED OF IT. and you are the last choice i have. .please help me.. 
i am bankrupt. i filed bankruptcy in XXXX and trying to keep my self very clean and i have all bills paid on time for the last 25 years ... since i am in this country.. 
i am at job and can not answer the phone so please hereby i authrize you to talk to my husband XXXX AT HIS CELL XXXX or his email XXXX Thanks a XXXX. i hope this is resolved asap so i can be relieved with this tension.. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 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: NC

Complaint narrative:
My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the period XXXX-till date I have tried to open several checking accounts for personal and business use. The bank forced me as part of the account creation to also have a savings account. I could not open a checking account by itself. 

I agreed to open a Savings account for my business ( XXXX ) even though I did not need that account. I deposited {$25.00} in it of my own money. Obviously since I really did not need this account, I did not use it either. All through out this time, they never paid be a single cent of interest on {$25.00}. 

After several years of non-use elapsed, my account was shut down without my consent and turned over to the California Controller as unclaimed property. I have had 4-5 accounts and credit cards with the bank and they turned over my balance {$25.00} to Unclaimed Property. 

Now the California Controller says that they have received many Claims and because of the volume they can not process my Claim. They very likely will not pay me any interest either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
This complaint is for Chase Bank with business address at XXXX, Texas XXXX USAI needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open XXXX because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him the details of his friend in XXXX, Texas who will receive the wire transfer money from me. Once the beneficiary receives the money from me, he will call my boyfriend 's friend to confirm that he received the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. 

So on XXXX XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his Chase Bank account in XXXX. But after an hour or XXXX, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said the wire transfer was already debited from my account and was already sent to Chase Bank. So my bank called Chase Bank and requested a call back funds. 

Chase Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX Chase Bank account. But because Chase Bank can not get hold of XXXX XXXX, Chase Bank closed his account so that he could not withdraw the money. XXXX Chase Bank employees called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 

Since then, I made follow-ups for my call back funds but my bank said they have not received a response from Chase Bank. I was too worried because my boyfriend needed the money. 

On XX/XX/XXXX, I sent a letter to Chase Bank to send me back my {$12000.00}. But Chase did not reply. And again on XXXX XXXX, I sent a follow-up letter to request the return of my money, but still no reply. 

Chase Bank-XXXX has no right to withhold my {$12000.00} for the reason that they were still investigating since XX/XX/XXXX, if the money is allegedly for funding terrorist activities. They should have finished the investigation after XXXX months. Chase Bank should return my money by sending me a check in the amount of {$12000.00} and send it to my mailing address not through a wire transfer because my bank has closed my account. 

It 's my money. Chase Bank has no right to withhold it for a long time. 

XXXX XXXXComplainant

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I learned of a debt with Chase Bank on a credit card that was totally made by my estranged/then ex wife over XXXX years that I did not even live at the address the billing was going to. She forged my name and used my SS number and information to open the card and I never had a card on the account. I stopped living at the address the billing was going to in XX/XX/XXXX. On XXXX XXXX, XXXX she sent me the bill in the mail during the pendency of our divorce and told me to pay it. She also changed the mailing address for the billing and the phone number to mine at that time. On XXXX XXXX my court order for divorce clearly made the bill not mine and hers and she was told to take my name off the account. Which she has not done as yet. The FTC was contacted in XX/XX/XXXX on this Fraud, Chase Fraud department was contacted many times and sent copies of the court order, The local State Police had the fraud complaint filed with them, the NYS AG had the fraud complaint filed with them. 
All of this documented and on record. And my credit file says disputed and called fraud as it was. I am waiting to go to court again with my exwife to enforce the court order as we speak. 
At XXXX on XX/XX/XXXX I received another harassing phone call from a girl at Chase Bank threating me that " I will never be able to get a loan again for less than 6 % because of this card ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In regards to Chase case # XXXX. I still need Chase to properly report the amount of mortgage balance sold to Caliber Home Loans. This amount reported when the loan was sold was incorrect due to an improperly forced placed insurance in 2009, which took 4 years to resolve. In the mean time during those 4 year, my monthly payments were misapplied to my account. Showing at the time that the loan was sold to XXXX that my account was in arrears 3 months when it actuality it was not. I finally received the return for the forced place insurance, but in the interim the loan was sold to XXXX. They are showing that I owe more than I actually do and I need for Chase to resolve this issue. Along with the waiver of late fees & any other fees and update the credit bureau as well as properly report to XXXX & have them also update the fees & credit bureau reports for me. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated my fraud claim regarding account XXXX since 2011 with complete criminal fraud police report and supporting documents, those proofs that the affidavit took place supporting my position. However, Chase was never to respond in writing, was damaged my financial reputation. I had to requested re-initiated my fraud claim and requested Chase response with writing about the investigation status. Again, Chase did n't provide any written notice when they received my re-initiated claim requests in written over 30 days. I tried to contact with the investigator and cardmember service, they info me that their system did n't show updating status over phone. I have to spend over a hour to repeat my claim with different representative, however they did n't provide any status update. The investigator did n't reply my call since she received my additional supporting documents those proofs that I were identity victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.

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 — Account terms
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX, a XXXX XXXX with XXXX serviceconnected XXXX. Chase bank for over a year drafted my Checkingaccount {$170.00} for my Condo Association fee. I was notified XXXX that for the last three months the bank has not paid as orderedon the first of the month, the bank changed the draft date ( withoutmy authorization ) to the XXXX, of the month, on that date there is notfunds in my account to cover the expense. The bank refuses to pay and Iincur an over draft fee of {$35.00}. I recently received notice from myCondo Association that I now have a lean on my property for $ XXXX. The bank refuses to correct THEIR MISTAKE and rectify thethe bounce check charge, the lean on my property and other nowchecks due to Chase Bank mistake.

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

Complaint narrative:
DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )

Company response to consumer: Closed with explanation