vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank with XXXX hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My loan was previously with Washington Mutual who used XXXX XXXX XXXX as their Trustee. However, when I was transferred to Chase who filed a Notice of Default on my property recorded XXXX/XXXX/2010, Chase used XXXX as the Trustee without filing a a substitution of Trustee nor providing any notice to me. For XXXX years I have been trying to obtain a loan modification without any real consideration to my circumstances. I work two jobs just to pay my mortgage, and I am still using 39 % of my income to pay my Principal and Interest, taxes and Insurance. Chase comes up with all kind of excuses even attempting to illegally transfer my loan, furthermore, I do not believe that they have the original note, nor does XXXX, my investor. My tax statement still reflect Washington Mutual as the payee? They have been out of business for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX at XXXX XXXX XXXX on loan # XXXX chase # XXXX will not help. My wife and I have been dealing with chase bank for over XXXX weeks on a simply information request. chase issued a XXXX misc to the irs for XXXX for my wife and her ex husband as extra income as part of short sell on mortgage they had. The IRS adjusted both my wife and her ex husband tax returns to for XXXX each. there was only XXXX XXXX check. XXXX XXXX will not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Freedom Credit Card Special Offer Received in the Mail Regarding Balance transfer on XX/XX/2016, for {$14000.00} at XXXX percent interest, XXXX percent transfer fee which totaled to {$290.00}. 

I recently received a special offer in the mail for Balance transfer with the above terms. I do not have a problem with the disclosed information or the above terms. 
What I have a problem with, is the monthly minimum payment rate of XXXX percent of the monthly open balance. This minimum monthly payment of XXXX percent of the monthly open balance was NOT disclosed, which I find to be a deceptive practice. Presently, I am being charged over {$700.00} a month for the minimum payment. In my opinion, this is excessive, was not disclosed in the special offer, and when I checked the Chase Credit Card web site, I was unable to find this inflated minimum payment rate. 

My wife, XXXXXXXXXXXXXXXXx, with XXXXXXXXXXXXXXXXXt card ending in XXXX had a similar offer, that monthly payment rate is XXXX monthly of the open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While focus may be on PayDay Loans and their exorbitant interest, there seems to be no attention being paid to bank overdraft fees. Chase, my current bank, charges {$34.00} per paid or returned item if I accidentally overdraw my account and will not extend me overdraft protection because of medical debt destroying my credit score. How is this any less usury than a PayDay Loan? Granted, they are fees and not interest but the difference seems subtle to me. Does it really cost {$34.00} to pay a {$5.00} check? 

My worst horror story was with XXXX XXXX in XXXX Illinois. They admitted they could see international wire funds pending for deposit to my account the instant they were released to from the foreign bank. They suggested it would take 14 days for the funds to clear the transferring bank and actually post to my account. They paid checks I wrote against uncollected funds but charged me a hefty fee the same as for overdrafts for each. This situation ultimately created an overdraft situation that just snowballed. I refused to pay the fees and their customer service response was to place me in the XXXX XXXX which is totally one-sided ( and deserves another complaint ). I lived without a checking account until I fell from the XXXX XXXX and never did pay them the manufactured fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me unless they were going to continue the investigation of my claim. 

Since I requested a cease of communication, I have been called XXXX this week and asked frivolous questions, while chase has had no intention of reopening my case. Chase should not be allowed to continually harass me for a debt that I do not legally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed XXXX in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only XXXX % of the value of the house. Plus we both had credit ratings above XXXX. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase will not release the remaining funds from the insurance settlement I received as a result of storm damage my home received last winter. The amount they are holding is approximately XXXX. The give me inconsistent answers as to why they are holding back the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Please see attached document entitled XXXX Complaint against JP Morgan Chase. Chase is attempting to sabotage my defense plans to protect my home from foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: OR

Complaint narrative:
I still see a debt owed to Coast Professional on my credit report in the amount of {$2600.00}. This account has been paid in full for over a year. When I contact Coast Professional, they will confirm that I do not owe them any money but they will not provide written confirmation of any sort. 

This has resulted in my being turned down for a mortgage and paying thousands of extra interest on my auto loan due to an unfavorable rate offered because I credit score was damaged by this erroneous item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MILEND, INC.
State: PA

Complaint narrative:
Milend Corp refinanced over a year ago. Was contacted by broker rep XXXX stating he took over files and wanted to see if he could help with another loan. Advised not now, but he started asking all kinds of questions as to what changed, and when he asked if I knew what my credit score was I said yeas, but I insisted he not pull a report as I had too many inquiries from the past. he said he would not and had enough to go on, still told them not now, did not listen..Hours later was notified that a credit hard was pulled, he did it anyway, and come to find out he pulled my wife 's too and she never talked to him.Now I am banged with another credit pull. He lied about his company and stated they hold the loan ad they do not, it was sold 2 months after settled. Spoke to Vice President of Milend, defended this XXXX, and made me feel like I am the liar. well they record conversations, check it. I insisted he be fired and lose his license as I am sure he has done this before to others, very unethical. I refuse to be scammed and lied to on such a serious matter I am now flooded with mortgage offers from this pull.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have asked that nelnet remove XXXX accounts from my transunion report. They are reporting my name incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited a {$700.00} check into my chase bank account XXXX/XXXX/2016 which I have had about 6 or more years. I also requested {$200.00} withdraw at same time via ATM. I was granted the {$200.00} and was taken out of my SSI which I recieved through direct deposit on XXXX/XXXX/2016. The receipt showed had a balance of alittle over XXXX dollars. The next day I went into bank and asked how long usually takes a check to clear, They said funds would be available at midnight. I didnt want to withdraw any till cleared. Wendsday XXXX/XXXX/2016 I went to withdraw my rent and electric out of bank wich would come out of my SSD the ATM wouldnt even let me do balance check told me to call customer service immidiatly, so I did, after talking to quiet a few different so called supervisors the last one told me they had put a restriction on my account due to check, didnt know if bad or not, but said all the sudden instead of positive I was negative {$200.00}. Which couldnt figure out due to it was from my SSI of XXXX. My XXXX is XXXX. I couldnt even access that even though was in bank. When went into bank to discuss head branch said m, y account would be closed XX/XX/XXXX and they would send me balance 10 days later by check. Really you close my account how am I going to cash my check. They didnt care I was on positive side, I could not access my SSD payment. I had to XXXX till could get money from my son 3 days later due to couldnt even withdraw XXXX dollars of my money. I know owe a late fee on rent and looking at eviction. They said it was because the check was for an item I was selling on XXXX and anyone associated with XXXX their account will be closed. It was a local personal check for the exact amount. after the fact found out it was NSF but they closed account before they even knew that. I am looking at electrical shut off. I am XXXX needless to say and need to know what to do.

Company response to consumer: Closed with explanation