vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting another complaint to show the continual acts fraud that JP MORGAN Chase continues to committ. I never REFINANCED my home 8 months after purchasing the home. XXXX XXXX requested and discharged the original mortgage from the now Defunct XXXX XXXX in which XXXX XXXX out of XXXX GA plead guilty and went to federal prison for the fraudulent documents. XXXX XXXX paid off the original loan and I never entered into any other mortggage agreements with any one else. My signature has been forged on the 2008 refinance documents. The modification that Chase claims I had has my signture forged and now they submit documents on CFPB website response with a notary who claims that he sat before and witnessed my signature. I would like to know were this took place because I never did a refinance on my home. To prove this continual acts of fraud I have attached the notary XXXX XXXX XXXX signature on other mortgage documents that are not the same. He will also get added to the new law suit that will be filed in a couple of weeks. The attorney general and government should intervene in my case because I ca n't believe this fraud is continuing after the banks have entered into a settlement agreement due to this mortgage fraud. I am also willing to sit down with a forgery expert to prove these signatures on these loan documents are not mine,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was given information from a Chase Credit Card representative regarding an interest charge which was false and contrary to the terms of my credit care agreement. A supervisor, on a recorded call, acknowledged that this information was incorrect, but would not fix the erroneous charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase Bank declined an auto loan for the following reason " Insufficient Payment on open auto loan or lease ''. The said they got the info from XX/XX/XXXX. This information is not only false but caused an extra bad inquiry to my credit report causing a negative hit on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem, they responded by telling me that I had 3 days left to spend a total of {$3000.00}, not {$2000.00}. I reiterated the conditions of their $ XXXX/2 months promotion and asked them to honor the agreement. I still had the original promotion printed out and in my possession. They closed the account instead. Our FICO credit scores are in the low XXXX. This is not the first time I 've experienced this type of problem with Chase Bank. It will certainly be the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.

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

Complaint narrative:
I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit at a Chase ATM back on XX/XX/2016. Unfortunately, the ATM jammed the checks and did not credit the account. I then called Chase claims department and initially they said they were able to see XXXX of the checks deposited ( there were XXXX total ) and credited the account for that XXXX ( amount was {$400.00} ). Then I called back letting them know there were more checks but did not get a chance to check our records for the exact amount so they credited {$500.00} in addition as an approximation. 

After going through my records, I realized there were a total of XXXX checks totaling {$1300.00}. So we called back to file an additional claim for the remainder, {$430.00}. At this point ( around XXXX ) the {$400.00} and {$500.00} were finalized and permanently credited to the account. However, Chase kept saying they need more time to process the last claim of {$430.00}. they also said they have recovered XXXX of the XXXX checks. After another 2 months, we got a letter from Chase in XXXX saying that they have found the {$430.00} to be correct and debited the amount out of the bank. I was told that I need to look for the original payor of those XXXX missing checks. ( The {$430.00} does n't add up to the XXXX checks, that is just the difference between the total amount of the deposit and what was already credited to the account ). I reopened the claim and was able to get a check image from one of the payors of the XXXX missing checks showing that missing check was in fact cleared from her bank account and quickly faxed it in. Chase still denied the claim ( for the second time ) in mid XXXX and re-debited the {$430.00} out and closed out the claim ( given the only check missing was in the amount of {$75.00} ). I called back about a week ago and they said they would re-open the claim and that they have what I faxed and they would contact me and the claim will be accepted. Now, there is still no answer. I have asked to speak with several people in Chase customer claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: NJ

Complaint narrative:
My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
I have dealt with this company in the past when they were threatening to sue me for a debt that was taken care of. At that time they threatened to put a lien on my bank accounts. 

On this most recent call, from an " unknown '' number the lady that I spoke with told me she was collecting 'location information '' becuase they getting to file a XXXX with the IRS and Garnish my wages. This is for a previous debt that was cleared up in the past. When speaking with her she never informed me this was an attempt to collect on a debt. 

I told her the debt she was discussing was already settled and cleared up. She disagreed.I told her I would have to consult with my wife for clarification of the matter. This lady said I had until noon to tomorrow otherwise she was going to file against me to garnish my wages. 

As I spoke to her to get her follow-up information she told me her name was XXXX XXXX with Worldwide Asset and if she didnt hear back from me by noon tomorrow she would file a " XXXX to trigger garnishment ''. She said she is located in XXXX California, She offered to settle the debt with me if I paid tomorrow for 80 % on a XXXX full payment or she would accept XXXX payments at a higher value. 

I dont have her phone number in my file to contact them. 

I recall the last time I had to put up with their scam that they pulled a hard credit check/report on me and ti really hurt my credit score. My wife and I are presently in the process of buying a new home. The offer and preliminary contracts have already been filed. I can not afford for this group of scammers to do the same XXXX to me, or worse, as they have show in the past they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every month I receive a billing statement re : my Chase Slate Credit Card. After receiving a XXXX 2015 statement I paid the balance in full and did not charge anything. My XXXX balance was XXXX. Although there had been a transaction - the payment - Chase refused, and continues to refuse, to send a XXXX 2015 billing statement because the balance is XXXX. I therefore have nothing from Chase to show that my balance was paid in full. I could understand not sending a billing statement if there were no transactions ( payment/charges/interest ) at all, but there was a transaction - Chase cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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 am a court appointed guardian for a legally XXXX person. I have been the guardian since XX/XX/XXXX. I have had a guardianship bank account with Chase Bank ( now JP Morgan Chase ) as Guardian since XX/XX/XXXX. I pay all of my wards bills. XX/XX/XXXX, Chase closed the account without any notice to me, with no explanation at all, and my ward 's rent checks, utility checks, phone bill, hospital bill payments, clinic payments, all bounced. Then, after closing the account ( which had nearly {$7000.00} in it at the time ), Chase sent the funds not to me as Guardian at the address listed on the account, but instead to my ward 's address. Since he has a XXXX XXXX, he had no idea what the check ( XXXX ) were, and only due to his sister finding them did I recover the funds. Chase has failed and refused to address this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
XXXX will automatically default any form of payment to their cobranded credit card on file, regardless if you manually select another payment to use. 
This has happened on two occassions. On the first occasion, I entered my XXXX credit card ending in XXXX manually and selected the card as payment. However, upon transaction, I noticed that the credit charge was made without authorization on my XXXX credit card ending XXXX. I called XXXX and a lovely customer service representative was able to assist me in processing the refund to both my card and re-crediting my miles. I proceeded a second time this time via XXXX, with both the log in and a confirmation page prompting me to use my XXXX credit card ending in XXXX. Again, the transaction defaulted to my XXXX credit card ending in XXXX and did not even utilize the transaction via XXXX, despite logging into XXXX via the XXXX prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a credit card from Chase Bank USA from XXXX until XXXX XXXX. I negotiated a settlement of the balance in XXXX XXXX. As part of the settlement, Chase agreed that there would be no negative information posted on my credit report, and the loan would merely state : " Legally paid in full for less than full balance. '' In XXXX, Chase wrongfully placed this item in my credit report as " negative ''. I contacted Chase and they agreed that I was correct and they removed the " negative '' mention. However, in XXXX, Chase again reported this account as " negative ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was first sued 9 years ago by a credit card company. I was sued again this year and never got the supenoa. My checking account is now frozen. The money that is frozen is not mine but my husband 's direct deposit paycheck. The account is a joint account. I do not have a job. I am XXXX but not receiving benefits yet. I called the debt collectors attorney but they refuse to tell me anything. They are holding all the money and we have none for food for us and our XXXX XXXX XXXX daughter or rent or for gas for my husband to go to work.

Company response to consumer: Closed with explanation