vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
It sure would be nice if someone would finally help m for a change. It is obvious that JP Morgan Chase does not give a XXXX about their customers and leaving people homeless. I have written previously and WILL CONTINUE TO REPORT JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well XXXX, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank will not allow me to set the cash advance limit for my credit card at {$0.00}. They lowest they say it can be set at is {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
this debt originated from XXXX XXXX XXXX in XXXX XXXX was told this group was " in network ''. Not true. I was initially billed a {$600.00} deductible, which I paid. In XXXX I noticed on a credit report that Paragon Revenue Group had placed a collection for {$3500.00}. I tracked it down to XXXX. After calling several times I was told the reason I owed this bill was because they FAILED to file the insurance claim!! I have battled Paragon for 13 years now. If I call or write to dispute it, they renew the claim. Or did. Now, it 's on auto-renew. I have no account number as it 's so old it 's out of their billing system ( they admitted this in XXXX ) and Paragon 's billing system. XXXX removed this debt twice ; XXXX and last year as there is no way to formally pay what I do n't owe due to their error. I 'm extremely frustrated that it has continued to ruin my credit.And I have no means to correct it. You 're basically my last hope. Any questions? call me or write. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My father passed away and left me his home. my mother was also on the loan. We were banking with Everhome mortgage, my mother lost her job because of injury and was unable to pay. They were going to do a modification ( supposedly to assist her ) I came forward and paid {$10000.00} towards the mortgage on the same day to assist my mother. They decided that because I put {$10000.00} down that she was no longer in a hardship. 
To top things off they were reporting late payments under my SSN and I have never even signed a mortgage for this home. When I confronted the issue they decided to Transfer the loan XXXX, and sent incomplete paperwork because XXXX is telling me they have no proof that my mom was ever on the loan. And advise us that we may have to go to probate court. The Balance on the account to pay off the home is {$6000.00}. why would I get into a 30 yr refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I notified Wilshire Consumer Credit that in XX/XX/XXXX that I was experiencing a hardship. Account number is XXXX. Instead of the normal monthly payment, I would be able to pay $ XXXX for XXXX to XXXX months and that I could resume full payments of {$750.00} in XX/XX/XXXX. This is fully documented. XXXX even executed a skip-a-payment in XX/XX/XXXX to assist. During a phone call today during which I notified I would be making payment earlier than normal ( this Friday the XXXX ), and for {$600.00}, the rep indicated the car has been sent for reposition. This is completely in unacceptable considering what is documented and offered. I pay this bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.

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: OR

Complaint narrative:
I made XXXX online debit transactions on XX/XX/2016 for {$15.00}. I checked my mobile app and make sure that the items were on pending and money was available for the transactions. By XX/XX/2016, when I check my bank app again, the XXXX transactions were no longer listed as pending and my balance were down, therefore I assume the transactions were completed and done. I then wrote a check for {$540.00} on XX/XX/2016 and on XX/XX/2016, I deposited enough money to make sure the check will go through and my balance was over {$550.00}. On XX/XX/2016, the XXXX transactions I mentioned above suddenly reappear and my check also went through and now the my account got overdrawn and the bank charged me {$34.00} for overdraft fees. I called the bank and explain what happened and they explained that the {$14.00} items were dropped as transactions because the seller did n't collect their money by XX/XX/XXXX and that they decided to collect it on the XX/XX/XXXX. Evidently, it 's the bank practices that if the seller do n't collect their money within 3-4 business days then the bank would dropped the transactions but if the seller decided to collect their money in a month from the transaction 's date then it 's still okay to pull the money from the account. I told them that it 's a false illusion to the consumer that if a DEBIT transaction was made and money was drawn and put on hold then the money should n't be put back to the account. If there was any DEBIT items that were dropped by the bank then they should notify the account holder so we wo n't get blindsided by it and also get a chance to make arrangements so the transaction will go through. I asked the bank if they would refund the overdrawn fees and they said no, and they ended up blaming me for not paying enough attention to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: TX

Complaint narrative:
I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}

Company response to consumer: Closed
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase sent me a misleading pre-approval letter stating that I have been offered with a Chase Sapphire credit card. There is nothing on the letter suggests that it is a advertisement and I may be disapproved. It stated it was an offer, and an offer is a contractual binding if both parties agreed on it. Therefore, I went ahead and provided them my information. It ended up Chase 's lending team disapproved my credit card despite the fact that I was pre-approved. I think what Chase 's credit lending team did is misleading, deceptive, and it create monetary damage on consumer ( I wasted my hard inquiry ). I believe Chase 's credit lending team violated UDAAP Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE XXXX XXXX COMPANY NEVER SENT ME A NEW CARD AND I SEE A MULTIPLE FRAUDULENT CHARGES IN THE ACCOUNT AND THE ACCOUNT HAS BEEN CLOSED ALMOST A YEAR AGO AND THEY SHOWED {$550.00} AS A VALID BALANCE IN THIS ACCOUNT AND THEY USE MY PERSONAL INFORMATION TO REPORT THE NEGATIVE LATE IN THE ACCOUNT TO CREDIT BUREAU AGENCIES, I CONTACTED THEM MULTIPLE TIMES AND THEY DIDI NOT EVEN RESPOND TO MY INQUIRES, NEED YOUR HELP TO REMOVE THIS DEBT OF MY ACCOUNT COMPLETELY BECAUSE I`M NOT RESPONSIBLE FOR ANY OF IT.

Company response to consumer: Closed with explanation