vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had originally gone to a XXXX ( XXXX XXXX XXXX XXXX XXXX ) for financial counseling with the goal of reducing my interest rate on my mortgage. Their suggestion was to assist me with a modification application. I found out several months later that there were far more effective ways to reduce my interest rate ( potentially a streamline refinance ). Furthermore the modification, while approved, was terminated as a consequence of my lack of financial hardship. Before applying, I had actively stated to my servicer as well as the counseling agency, that I did not have a financial hardship. The goal was strictly to reduce my interest rate. Now, my sister is very ill, and I have been traveling back and forth from my home in XXXX, to her home in XXXX. During this time, I was unaware that the modification had been terminated, and the monthly payments I had made were not the appropriate amount. Consequently, the delinquency started to have a negative impact on my credit and prevented me from more appropriate refinance options. XXXX, seeing the error had attempted to work with CHASE directly to no effect. However, this continued to drag out a timely resolution to this process. By XXXX, I had started again to work with chase directly. I had requested a payoff amount through XXXX XXXX from the escalation department in XXXX. During this time, a XXXX form the Executive Office, reviewed my situation, saw the problem and suggested that there may be a solution to accomplish the goal of the reduced interest rate ( suggesting modification or refinance ). However, I said that I may be interested but still requested the payoff. For the next several months I received letters stating to be patient and that research was being conducted. After growing impatient and concerned about accumulating interest, I had contacted them back to follow up in XX/XX/XXXX. Apparently the research was being conducted but they submitted a new request for a payoff. My family, increasingly concerned about my housing stability, felt compelled to lend me money to exit this situation. 

At this point, chase has drawn their line in the sand about the interpretation of events, and I am in a position where litigation would become too costly to resolve what for some people, would be a minor issue. However, I am on a fixed income, and the potential $ XXXX-XXXX in interest accumulation that would have occurred during these times, are the difference between me being able to cover the annual expenses on my home. Further more, my credit shows significant delinquency over the last several months while this situation was being resolved. I have gone from being able to borrow in the event of an emergency to being unable to borrow anything ( Fico XXXX of XXXX to Fico XXXX of XXXX ). The good will from my family has been exhausted and these errors have eroded my stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I purchased airline tickets on XXXX airline for a flight on XX/XX/2016 with a XXXX credit card in the amount of {$490.00}. When attempting to take the trip, XXXX said that the bank declined the payment and it was necessary to purchase the tickets again. The airline tickets were purchased again for travel on XX/XX/2016 with a Chase credit card, but the tickets now cost {$610.00}. After the trip I followed up with XXXX and they confirmed that the purchase was valid and that XXXX did get paid. I opened a dispute with Chase for the amount of {$610.00}. Afterwards XXXX refunded {$490.00} to Chase - not {$610.00}. I followed up with Chase and explained that the more expensive amount needed to be refunded in full. Chase informed me that the dispute remained open and nothing was due on the card. Chase subsequently charged me a late fee of {$25.00} and has indicated that payment is past due on my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
1. The property was purchased on XXXX XXXX, XX/XX/XXXX2. An escrow account was setup and paid in full for the XXXX year. 
3. Chase purchased the mortgage from XXXX XXXX in XXXX of XXXX. 
4. Chase was pulling from the escrow account every month to pay for insurance, mortgage insurance, and taxes. 
5. In XXXX XXXX, Chase paid the insurance and taxes on the property causing our escrow amount to be in the negative. 
6. We received a letter of deficiency in our escrow account. 
7. We called Chase to inquire and pay off the deficiency. We were told the deficiency in the escrow account was from taxes owed in arrears from XXXX, we did not own the property until XXXX XXXX. 
8. We were allowed to pay the deficiency, but our mortgage payment still increased. 
9. When asked why the mortgage payment was still increasing if we paid the tax deficiency we were told because there is a second deficiency for XXXX. We asked to pay that deficiency in full as well to keep the mortgage payment at the same amount. 
10. We were told that we could not pay the XXXX deficiency. 
11. We asked to see the closing documents that Chase had received from XXXX. 
12. No where in the documents that Chase received from XXXX XXXX does it show taxes being owed in arrears from XXXX. Additionally, when we purchased the property, it was determined all taxes were paid to date on the property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account with Chase XXXX has been closed for 6 years. I would like it dropped of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Our mortgage payments were 4 months late as XXXX us were unemployed. We called Chase bank who holds the mortgage, and they told us that " if we pay {$10000.00} XX/XX/XXXX, we can then resume monthly payment ''. I made the representative repeat that statement at the end of the call. The call was on XXXX XXXX 2015, When we called back to pay ( well prior to XXXX XXXX ), Chase refused our payment and told us they were starting foreclosure proceedings. We reminded them of the fact that they confirmed multiple times on XXXX XXXX that if we paid {$10000.00} XX/XX/XXXX, that we could resume regular payments. The representative said we needed to call Escalations which we did. Escalations took several days to find the tape of the the call ( we provided the call date ), and Chase claimed that NO DATES we discussed on the call! This is is a complete fabrication. If you can not help us we will have to get an attorney to subpoena the tape as they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet applied a forbearance on XXXX of my student loan accounts in XXXX 2014, yet reports me as 90 days late in XXXX 2014 to all XXXX major Credit Reporting Agencies. I have repeatedly disputed these XXXX accounts with Nelnet, each time to no avail. 

Furthermore, Nelnet does not report *positive* payment history during the past seven years, thus lowering my overall credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LendKey Technologies, Inc.
State: CO

Complaint narrative:
This company is making it impossible to repay my loan. There are no options for payment that do not result in additional charges. Trying to make a payment by phone, only open from XXXX to XXXX mon - Fri. Wanting to pay online is a percent, costing {$17.00} or more in fees. Pay by check is a {$2.00} fee. Auto withdrawal is n't working and they charge a {$20.00} late fee. 

This is robbery. The interest is bad enough, but the inability to pay without extra fees is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am getting harrassing calls, multiple times a day, XXXX times a day. I even get voicemails, and they still call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I leased a car through Chase. At the end of the term, I turned in the car and received my final settlement statement including turn in, disposition fees, additional mileage, etc. I paid the total of {$970.00} in FULL. Months later, I received a collection notice from Chase in the mail for {$250.00}. I had never even been contacted by Chase about this. When I called their collection dept. to inquire, they stated that a teller had made a payment to my account in error, and I needed to pay for the tellers error. I now receive calls at least twice a week from the collections dept. To my home, to my work. My account was paid diligently every single month on the same day. This was a BANK error and I should not be hassled weekly for an error the bank has made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had moved out of the Property in XXXX due to a job in a different city. I attempted to sell in XXXX, I bought in XXXX so the Property 's value was severely under water. I applied for a short sale through Chase. I was expressly promised a short sale was approved several years ago. I had several offers fall through due to Chase 's failure to timely respond. After losing several offers, it came to Chase 's attention that they need FHA approval. In a letter dated XXXX XXXX, XXXX Chase indicated that the short sale was denied due to a " second lienholder '' not approving. There is no second lienholder. Chase 's failure to properly respond for years has caused me continual decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX and Dispute Process Equifax Confirmation # XXXX, I have recently pulled my credit report and identified an unauthorized request to pull my credit which is considered hard hits to my credit report. Needless to say, these hits have reduced my credit score. XXXX XXXX XXXX XXXX XXXX within a six month period pulled my credit report XXXX times without my authorization and then the credit union was sold to XXXX XXXX XXXX XXXX who also pulled my credit report without my permission. I disputed these items with Equifax, and they have stated the records are factual and will not be removed. I inquired as to how they are factual because I did not authorize the pulling of my credit report for either agency. They stated because they have my credit information they can pull my credit report at any time. I questioned this because that means they are saying anyone who has my information can pull my credit and become a hard hit without my authorization and it counts against me. The statement made no sense. I then asked in their re-investigation did they ask the credit union to provide authorization by me to pull my credit report and provide proof from the consumer of this request, should n't I have been notified. Equifax response is they have no control on what is reported, so I asked then what are your investigation if " I '' the consumer is saying it 's authorized and fraudulent. The action seems to be an improper business practice by the credit union and lack of investigation into that accuracy of data from the credit reporting agency Equifax. I have seen marketing soft pulls for my credit which do not affect my credit score, but these multiple requests of my credit report from this agency seem fraudulent and is an attempt to draw to my score even further. I wish to have these unauthorized request removed from my credit report, and the reporting agency revises their investigation practices and further train their employees. Simply stating they have my information causes enough to pull my credit is not a reason to pull it without my signature or authorization or notification to the consumer of such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.

Company response to consumer: Closed with non-monetary relief