vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WY

Complaint narrative:
I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Dear Sir or Madam : JP Morgan Chase NA does not let its customers transfer money on a recurring basis on or after a date of the month. The " transfer on '' date can only be the deliver on or before date. It can never be the " send on '' date. This means a consumer wanting to transfer their money to an external savings account risks overdraft because the " send on '' date is uncertain due to the random occurring weekends and holidays. Moreover, preventing customers from choosing the " send on '' date for transfers biases Chase Checking account holders towards having savings accounts with Chase to eliminate the overdraft issue due to randomly occurring " send on '' dates. 

I think this practice of not allowing customers to specify the dates of the month on or after their funds are sent may be an attempt by JP Morgan Chase NA to discourage external savings accounts and to boost overdraft fees. 

A consumer who selects a XXXX of the month transfer date on XX/XX/XXXX, for a recurring transfer will have the following next XXXX transfers. 

Send On Deliver ByXXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXXIf that consumer gets paid on the XXXX of the month, she will have XXXX overdrafts if she does not have funds prior to getting paid to make the transfer. A Chase checking customer will have to select the transfer on date of the XXXX of the month to guarantee that none of the next XXXX transfers is sent on before the first of the month. Moreover, there is no guarantee that she will not have a transfer sent prior to the XXXX of the month after the first XXXX transactions leading to an overdraft. I believe that this might be a predatory way to set up transfers to maximize overdraft fees and scare JP Morgan Chase NA checking customers from using external savings accounts which likely offer better interest rates than Chase. 

Sincerely , XXXX 
XXXX, LA XXXX : ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
I became aware of an account opened with Chase bank when I applied for a credit card and was denied due to delinquency with the bank. I informed the Chase bank that I have no account with Chase bank, so they looked up my SSN in their system and they found there was and account open with my SSN in another name. After two and a half hours on the phone with Chase, I finally reached the Security and Fraud team of Chase who asked me to fax a copy of my SSN Card to them. I have problems with the situation where I 'm trying to report Identity Theft and fraud to a company that wants me to prove who I am by me faxing my SSN Card to a location that I can not determine the destination. During my talks with them they had immediate credit reports from XXXX, XXXX, and XXXX at their fingertips that indicate that my SSN is connected with my name, yet they place the burden of proof on me to prove who I am after failing to perform due diligence in verifying the person whom opened the account with my SSN. I was underwhelmed by their service. Chase was delinquent in obtaining sufficient identification from someone who sought and achieve taking money from them in the form of a loan, and they have place the burden of identity on me. It appears that Chase has sold the loan to a strong arm collection agency and I 'm now being asked to pay the money at XXXX and other crazy times. Very upsetting. Chase get with the program, you should be ashamed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Due to a significant drop in income, I initiated an application for mortgage assistance/modification to Chase on XXXX/XXXX/15 - since that time I have repeatedly submitted document after document per their request. I have been told on FOUR occasions that they had all the information they needed to proceed with their underwriting process. During this 7 MONTH process, I have complied with all requests and continued to make my mortgage payments - even though I had to take money out of my retirement to make those payments. Chase employees have lied to me several times, and failed to come up with any modification to my loan. I have read online that this is a common complaint and has resulted in multiple lawsuits - which may be the only way to resolve this issue. Either Chase is lying that they even have a loan modification program, or they make the process so impossible that homeowners are forced into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported suspicious activity on my credit card in XXXX to chase bank also informing them that my card was missing. The suspicious activity was reported prior to the transaction clearing. Chase will not credit my account for the fraudulent charges to my account of {$8700.00} My Chase bill shows the following XXXX/XXXX/2016 Debit Card Transaction IMAGEXXXX XXXX XXXX XXXX XXXX X XXXX ( EXCHG RTE ) + XXXX ( EXCHG RTE {$8700.00} First of all XXXX x XXXX = XXXX not XXXX Chase is now trying to use my confusion about the matter ( which mathematically makes no sense ) to say that I 'm somehow at fault, or changing my story because I originally though it to be an overcharge. 
Chase will not contact the merchant for proof of this transaction, even though there have been multiple fraudulent transactions reported from this merchant. I do not feel it is safe to use a debit card if this type of fraudulent activity is not protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have two issues with JPMorgan Chase Bank. ( 1 ) My uncle had a checking account at Chase with myself on the account as POA. No other name was on the account and it had no beneficiaries. My uncle died on XXXX XXXX, 2016. I am the executor of his estate. Because his daughter had tried to steal his estate some years earlier, he had by name " disinherited '' her in his will. I brought the will to my local Chase branch in XXXX XXXX, Utah, but the representative said that the Bank did not need a copy of the will. On XXXX XXXX, the daughter withdrew all the money ( {$26000.00} ) from the account at the branch in XXXX, CA. On XXXX XXXX, I discovered this withdrawal on the bank statement. I immediately reported the fraud to Chase Claims. Why would Chase give the money to someone not on the account and specifically excluded from my uncle 's will? The Claims department said that they would need to investigate, but required an affidavit from me before they could start. ( 2 ) On XXXX XXXX, I brought my completed affidavit to my local Chase branch. The branch faxed the affidavit to the Claims Department - their fax number is on the affidavit form. On XXXX XXXX, I telephoned Chase Claims. The rep said that the fax area would electronically attach the affidavit to the online claims and that the Claims department would not start investigating until the affidavit was visible. The rep said that the affidavit was not yet visible, but it could be " in the pile '' so that I should wait until Monday. On Monday XX/XX/XXXX, I telephoned again. The affidavit was still not attached. The Branch Manager at my local branch promised to re-fax and let me know. XXXX XXXX, Claims could still not see the affidavit, but " could not telephone '' the fax area to know if fax was there. I faxed the affidavit from a XXXX store. I escalated the issue. The branch manager was able to get the affidavit to XXXX XXXX in the executive area, who, he said, would help me. XXXX XXXX, Chase still does not have the affidavit. In summary, the Chase branch has faxed the affidavit at least four times and I have faxed it once over the last 14 days. ( FYI Chase refuses to accept an attachment to an email. ) Yet, Chase can not and will not try to find the faxes in the Claims fax area. Apparently, Chase does not have the capability to know if a fax was received. Chase refuses to start investigating until they have my affidavit, even though I did technically provide the affidavit to Chase in the branch. The possibility of recovering the money stolen from my uncle 's estate is reduced every day that passes. I am caught in the bind of Chase not being able to receive my affidavit no matter how hard I try and Chase refusing to investigate until they have my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a promo certificate in a mail from Chase Bank to open a checking account, set up direct deposit of minimum of {$500.00} a month and my account will be credited {$300.00} in 90 days. I went to the brach in XXXX, CA ( XXXX XXXX XXXX, XXXX, CA XXXX on XXXX/XXXX/15 and opened a checking account, deposited XXXX XXXX dollars to the account and set up partial direct deposit to test the services. It is XXXX and I have not received a credit of {$300.00} as of yet. I contacted the person that opened my account ( XXXX XXXX XXXX XXXX # XXXX ) and asked him to look into this matter. He stringing me along for a week and now, keeps coming up with excuses such as I was a Chase previous customer before and promo for a new clients only ( why this was not disclosed by him originally ), or I need to bring minimum of {$50000.00} dollars as an investment to the branch in order for his branch manager to make an exception with {$300.00} credit, or did I give you a print out confirmation that you are eligible for the credit of {$300.00} when I opened your account?. The person is disohest and not able to explain all terms upfront in full, he gets paid on services he generates with the knowledge that he is doing something wrong and let 's clients believe that things did n't work out or issues will go away on it 's own. This is a terrible customer service and intentional fraudulent conducts that has to be punished for the sake of Chase clients. Please look into this matter to prevent future fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is in regards to not being able to resolve a problem with JP Morgan, CHASE Bank. 

I Believe I was hit with a predatory overdraft fee. I have always been notified as soon as my account gets over drafted so I can make the required deposit in time to avoid any fees. But this time I was notified the next morning at XXXX AM EST, that my account was overdrafted on XX/XX/2016 and not on XX/XX/2016. Looking back at my transaction history, the overdraft fee was caused by a transaction posted to my account on XX/XX/2016 at XXXX XXXX according to a Chase Customer Service Representative. This is an unfair fee because even if I had time, which would only be XXXX minute to make a deposit on the same day to the account it would not count until the next day because according to chase all deposits after XXXX EST, will be taken as a next business day deposit transaction still hitting me a overdraft fee. So why is that the transaction was posted the very last minute, leaving me no choice on getting hit with a overdraft fee. After contacting Chase customer service, I was unable to resolve the issue, causing me to submit a complaint with the CFPB I wanted to resolve this issue directly with Chase, as I have been a customer of theirs for XXXX years, but after this problem and what seems predatory fees, I will be switching financial institutions. In essence, Chase is saying the overdraft transaction happened on XX/XX/2016 at XXXX according to their text I received at that time. After which then looking at the cause of the overdraft, it was for a transaction that went through at XXXX XXXX on XX/XX/2016 If Chase is going to charge customers overdraft fees until XXXX EST, Then I should also be allowed to make deposit that would count sameday into my account until XXXX. This is unfair and predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have requested a copy of Notice of Assignment, Sale and Transfer of servicing rights for my home loan account. I have still not received this notice. I am looking for the assignment reported to XXXX XXXX for the complete transfer of rights from Washington Mutual to Chase. 
I also am requesting details of who owned my mortgage while CHASE was servicing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX SUCH AND XXXX sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over XXXX yrs. I was working on a loan modification with XXXX who was the servicer meanwhile JP Morgan Chase who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that Chase had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for Fannie Mae. Meanwhile I have letters from Chase and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the JP Morgan Chase Southwest Airlines Premier Credit Card on XXXX/XXXX/16 in order to earn the advertised XXXX points if you apply for the card. I applied for this card solely based on me getting the XXXX points since Southwest 's website clearly stipulates " earn XXXX after you spend {$2000.00} on purchase in the first 3 months. '' After spending over {$3500.00} and not seeing my earned XXXX points, I contacted Southwest ( " SW '' ) and they referred me to JP Morgan Chase since Chase are in charge of the rapid reward points. I contacted Chase on XXXX/XXXX/16 and spoke with XXXX XXXX who told me that I had gotten a different promotion and there never a promotion about earning XXXX points. I referred him to at that point directly to SW 's website to which he saw that this promotion was indeded being advised. Upon realizing there was in fact a promotion verifying what I said was true, XXXX immediately switched by stating that I did not qualify for the earned XXXX points since I booked a flight but got the {$200.00} credit instead. I told him that that was nothing on the SW 's website that indicated that I would forfeit the XXXX credit or there should be transparency in advertising for this card. He said in order for me to get the {$50000.00} points, I would have to pay them {$200.00}. After stating that I would dispute the {$200.00} fee, he told me that he was unable to give me the XXXX points and referred me to their Executive Office. On XXXX/XXXX/16, I faxed a letter to XXXX XXXX as well as the Executive Office explaining my plight. I was contacted on XXXX by a XXXX XXXX who stated that she would have to charge me the {$200.00} and that this is not the first time this has happened and apologized to me. XXXX went on to state that they have been working with SW marketing team to correct this misunderstanding. I told her the fact that so many consumers are calling regarding this, Chase has done this intentionally to defraud consumers in thinking that after ranking up over {$2000.00} they would earn XXXX points. What Chase is doing is false marketing and fraudulent to say the least to get consumers to apply for this card and have them charging over {$2000.00} within XXXX months thinking that they will earn XXXX points and then give them a different promotion and then turn around and charge them {$200.00} fee in order to get these points. I told her that that I will contact the Federal Reserve Consumer Help for assistance in Chase false advertisement regarding their Chase Southwest Premier XXXX Card. I will also reach out to 60 Minutes to do an investigation on Chase as well as contact my congressman to file a Congressional Complaint on my behalf to STOP JP Morgan Chase from defrauding the general public.

Company response to consumer: Closed with non-monetary relief