vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My niece made a check out to me for a service my husband did for my sister at her home. I went to chase bank in XXXX, CA and they wanted to charge me {$8.00} to cash the check ... it is from their bank. What 's up with these people? I do n't understand, but I will be letting all my friends to be careful about doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I do n't understand how I can make a XXXX monthly payment and only {$20.00} gets applied towards the interest. I have federal loans as well but at least {$90.00} will pay the principal down. I make my payments 2 weeks before the due date and yet almost all of my monthly payments are going towards interest. Is this correct or am I being ripped off? The amounts every month are really inconsistent even though I pay around the same time every month. It just does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been contacted by chase an account that I have disputed and do not owe as I explained my situation to them the representative said I see this might not be you. She then began to accuse me of living at an address that I have not lived at for many years and claim that I was lying about my info when I have proof that I was not living at said location. The phone number that contacted me was XXXX I would like to resolve this issue and protect my rights as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WestLake Financial is a predatory high interest lender and they approved our loan initially. After approval, they claimed that the first payment was late so we have to return the loan back in Full with their additional Processing Fee. We contested the processing fee but they wo n't budge and threatened to file a lawsuit and even started sending us legal notices in certified mail. We return the loan along with the processing fee. In the mean time, there were 2 monthly payments that were made. When we asked for those Monthly payments to be returned, they flatly refused claiming that they do n't return any Payments despite the fact that Loan was Paid in Full without any deductions for monthly payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 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: GA

Complaint narrative:
Nelnet has ceased to accept payments on weekends. Recently, when scheduling a student loan payment online, I was unable to schedule a payment for any Saturday or Sunday. My credit card, utility and cell phone bills are all payable on weekends. Surely it 's possible for a Federal student loan servicing company to accept ACH payments on weekends as well. 

My loan accrues a few dollars a day in interest every day. If I ca n't pay until the Monday after the weekend, it costs me almost {$20.00} in interest alone. In my opinion, this is the most likely motivation for Nelnet to refuse to schedule payments on weekends. A student loan servicer should do exactly that - service my loans. They should not prevent me in any way from paying to my own detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have had my loan with Westlake financial for 26 months, however on my credit reports they have only reviewed XXXX payments. This is effecting my ability to get a home loan and also my credit score, a home loan requires atleast 12 months of review to be considered an active line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was behind on mortgage due to my health and knee problem. I could not work and I have submitted to lender the request for mortgage assistance to keep my house. Lender had got the RMA but they did not do anything to me and my agent has been contacting lender but no result. They cancelled the notice of default however they sent me the notice of sale on XXXX/XXXX/2016. My agent has contacted Chase for more information but the representative from the Chase could not answer or get back to her anything. I need them to help to me review the application and provide correct information. They dont even want to give me or my agent update for request for mortgage assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2016 my home was sold unlawfully at a Sheriff 's sale by HSBC Bank USA , National Association, as Indenture Trustee, of the XXXX Securitization Trust XXXX Callable Mortgage-Backed Notes, Series XXXX The foreclosure sale was illegally authorized by HSBC Bank USA and XXXX before the loss mitigation process was completed. Employees of XXXX have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) at XXXX to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, XXXX assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to XXXX to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, HSBC, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of XXXX was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Robocall from " XXXX '' asking for information with the promise of lowering my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I opened an account with Chase that promised XXXX points for XXXX rewards. The offer did not clearly start when the offer began or ended except for " XXXX months ''. It was not clear if it was XXXX months of opening the account or XXXX months of activation. The account opened on XX/XX/2016, I received the card XX/XX/2016 and activated it in XX/XX/XXXX. 
I was charged an {$85.00} membership fee. Chase refuses to reward the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was on an income based repayment plan for XXXX consolidated student loans. I was on auto payment deducted from my checking account monthly with a payment of {$600.00}. I was told by XXXX XXXX and Navient that I was eligible for the Public Servant loan forgiveness program and that after XXXX on time payments I could request forgiveness for the balance remaining. A friend told me I really should contact the program directly to make sure. Unfortunately I contacted the program and they said if I transferred the loans to them they would track payments annually. Once the loans were transferred they infirmed me that XXXX payments made on XXXX of the XXXX loans would not count because they were not on a qualifying payment plan. I do not understand how i could have XXXX loans consolidated to one payment yet those loans could be on seperate repayment plans. I also dont understand why I would be penalized for paying more money towards my loans than I would have paid had my accounts been properly set up. I relied first on XXXX XXXX and then on Navient to help me tbeough the repayment process. They set my accounts up incorrectly and because of their mistake I am having to make XXXX additional payments before I can apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is my second complaint against Chase Bank XXXX ; Since XXXX XXXX, Chase Bank .. JP Morgan decided to place a pending closure on my checking account without any valid reason or any statement given or mailed to me. After long hours of phone calls and numerous stop in at a Chase local branch and all promises of security from Chase representative the checking account was still on pending closure. Bills were drafted on this checking account, all were returned with fees and penalty. Best of all Chase Bank place a freeze to access my funds. I am not rich, what i have is what i use to support me and my family, I explained this numerous times, days, hours even beg the XXXX Chase Bank Manager but no explanation why. I do not owe Chase anything I paid my overdraft fees. Chase Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i have on that account. This check does not even cover phone bills with penalty. Call Chase again and said a XXXX check was cut and should be receive in 3 days from XXXX XXXX. Again called Chase Bank asking information if we can track my check but sadly Chase responded I AM SORRY CHECK COULD BE LOST, PLEASE CALL US BACK ON MONDAY TO CONFIRM XXXX CHECK IS LOST AND WE WILL CUT A NEW THAT WILL TAKE ANOTHER 10 DAYS. IS THIS A GAME? THIS IS AWFUL. ITS ALMOST A MONTH, ONLY A HANDFUL OF PEOPLE LET ME BORROW AND AT OF ALL THIS I HAVE TO LATE FEE ON ALL BILLS, DONT KNOW WHAT LAW PROTECTS US FROM THIS KIND OF ACTIONS FROM A FINANCIAL BANK, MY UNDERSTANDING BANKS ARE THERE TO PROTECT AND OFFER SERVICES BUT INSTEAD, SADLY I CAN NOT DO ANYTHING BUT WAIT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a chase marriott rewards card the was supposed to come with a XXXX bonus points after spending {$3000.00} in 3 months. Chase sent the card to me and let me spend {$3200.00} dollars then 6-8 weeks after sending me the card I was told I did not qualify for the bonus. I should have been told when I got the card that I would not be getting the bonus or denied the card in the first place. I was mislead and this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am trying to complete a Home Equity Line of Credit loan with JP Morgan Chase. They discovered an " open '' lien from XXXX of their predecessor banks ( XXXX XXXX Bank XXXX New York ). I provided XXXX evidence of the pay-off of that loan in 1996. They still have not processed this lien satisfaction and now have closed the application due their own inability to process in a timely fashion. This has closed my fair access to such credit to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have an existing mortgage with Chase that I have been trying to refinance since XX/XX/XXXX. All the required documentation was submitted within 10 days, and according to the web portal, we have been cleared to close for at least two months. They do not respond and do not return phone calls. I have tried to pull the plug on the process - asked them to refund the {$500.00} application fee, and they just do not respond. I could have done this through anyone else and closed two months ago. Chase has in effect cost me several thousand dollars with their incompetence. I do n't expect anything to happen, but other consumers should know to go elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.

Company response to consumer: Closed with monetary relief