vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XX/XX/XXXX my wallet was stolen and my chase debit and chase credit cards were used the same night it was stolen before i woke up. i recieved a txt alert from chase credit about the credit card being used and replied that it was not authorized. they also used my debit card with a chip for {$610.00}. that morning i reported it and chase replaced the funds into my acount. on XX/XX/XXXX chase took the {$610.00} dollars back out of my account reversing the claim. when i called chase about it they said there isnt enough evidence that i wasnt the one who used the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Usurious manipulation perfectly describes what chase bank is doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Due to hardships, was unable to make the XXXX XXXX payment of XXXX to Chase bank. Applied for a modification. 3 1/2 years later, I finally get XXXX where the " trial Payments '' of XXXX are expected and XXXX is due on XXXX XXXX. 

Ridiculous. 
1 ) Why the 3 1/2 year wait for the mortgage company to perform? 
... and yet ... 
2 XXXX I only have 30 days to perform? 
further, who makes these crazy underwriting decision?? 
3 ) how come during the mediation process here in Delaware, I am only just finding out that my loan was really thru the XXXX and that Chase Bank was the " agent '' bank and I originally thought back in XXXX that my loan was only thru Chase bank? Sounds shady. 
4 XXXX Why were these docs asking for monthly payments of XXXX not sent certified mail? No ... .they were sent to me regular mail! Would I have been still been held accountable if I had never got them?? 
5 ) What is even more crazy is that I received a " modification '' on my loan back in XXXX. But I know this was n't really a " modification '' ... this was really a forbearance. Why? Chase wanted XXXX just drop my very original payment from XXXX to XXXX! I was laid off in XXXX and again in XXXX and my payment only dropped by XXXX if they received a whopping sum of XXXX dollars?!! Unbelievable. 

6 ) I also want to know why the original loan amount on the loan was roughly XXXX when, after some research, I discover that this newly built home in XXXX was sold to someone else for only XXXX, but some unknown reason ... .they original buyers back out of the loan. How did the balance go from XXXX to XXXX? 


7 ) WHAT ARE THE TERMS OF MY LOAN AFTER MY " TRIAL PERIOD '' IS SUCCESSFULLY COMPLETED? WHAT HAPPENS AFTER THE TRIAL. I HAVE NO IDEA WHAT I AM GETTING MYSELF INTO YET AGAIN!!!!!! 

8 XXXX Why am I being told XXXX different things : For example, I hear from everyone, " The bank does n't really want to kick you out of your house. '' Yet, I get paperwork in the mail touting the word " foreclosure '' like it was no big deal to them. Why the XXXX different messages? 

This is my complaint. I deserve clear easy to understand answers. 

I want clear answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a student and worker who has purchased a XXXX bedroom,XXXX bathroom townhouse in Florida in the year XX/XX/XXXX.My mortgage interest rate is about 5.2. percent on a 30 years fix mortgage.That left me with a mortgage payment of about XXXX dollars per month. Over the years I have been rattled with financial hardship XXXX which did cause me to spend 2 weeks in XXXX Hospital here in Florida. Such events has caused me to fall behind on my mortgage that is now managed by JP Morgan Chase Bank.I have filed an entitled loan modification with them however they have denied me the modification without briefing me with legit paperwork documenting the reason why I was denied.After calling Chase over and over trying to get a reason as to why i was denied, I was told vaguely through word of mouth that " your income shows that you can afford a mortgage reinstatement payment plan " Please be aware that my income is currently less than XXXX dollars a year.Chase left me with little to no options.One of the main options that Chase gave me was to pay the payment plan that I could not afford which consisted of making a down payment of XXXX then additional payments of XXXX for the rest of the 2015 year. 
I have been waiting on them to file another loan modification under the " making home affordable act '' but they refuse to properly communicate with me.I was told by a Chase representative who work in the executive office named XXXX at extension XXXX that " a loan modification is not mandatory '', and that Chase must follow " Investor guidelines '' All the additional options Chase gave me only involved me short selling my home or me turning the home over to them. Chase refuses to give me proper reason why they denied me of the modification that I disparately need.I have tried sending them a hardship letter to explain my situation with them so that they can work with me and help me keep the home but they refuse to do so.Instead, I have been receiving letters from Chase giving prorated dates urging that '' more time is needed '' before they can come up with a decision regarding my request for them to review the case .They have been persistently stalling. 
The last letter I received was dated XXXX, XXXX. It stated that an answer regarding my hardship letter will be provided by XXXX XXXX when I have in fact checked with the XXXX XXXX XXXX Clerks Office In Florida., it shows that JP Morgan Chase filled a Foreclosure Suit against me on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I attended XXXX XXXX and XXXX college for some time and never got my degree. Now I have over XXXX in loans and ca n't pay it back, I do n't earn enough to pay for all my bills. The loan has affected my credit score and I ca n't apply for anything that involves credit. I felt like this schools were a fraud and now because of it I lost time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Unifin Inc.
State: CA

Complaint narrative:
Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either. 
Loan is with United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX, and I would like to file a complaint against Chase Mortgage Company.To make a long story short, I sued XXXX for fraud, my case was won, ( with precedence ), meaning that they ether award me my home, or produce the documents that they forged and were found guilty of, they did n't. Instead, two weeks after they were to award me my home, Chase sold my mortgage to XXXX XXXX XXXX, and now XXXX XXXX is foreclosing on my home. My second Attorney said Chase had exhausted their time in which to file, or award me my home, and he would make XXXX award me my home, but by the time he got around to filing, he said Florida had passed ( New Case Law ) allowing the mortgage company 's to make up paperwork to shore up there case.I have everything on disk. Do I have any legal case? I do n't want to lose my home!! 
Thank you for time in this matter. 
Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.

Company response to consumer: Closed with explanation