vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Firstmark Services http : //firstmarkservices.com/ They received and deposited my check but continued to call 4 times a day for an additional 6 business days. They call 4 times at the same time of the day every 15 minutes. I called and ask they stop calling as my bank statement showed they deposited my check beyond a week prior and they said their system takes " 48 hours '' to remove myself from their call list. So even though they received my money, they continue to harass until their " system '' does some type of " update '' to remove me from the list. Not sure how it 's legal to receive and deposit $ but not have technology built in to notify their call system to stop calling. Is it legal to harass someone 4 times a day when the purpose for their call is no longer an issue? I have all the call logs and bank statements needed. There is no way to remove one self from their automated system. I did NOT ask XXXX Bank to sell my student loan for them. Had the loan since XX/XX/2008 - never had ONE issue until they sold it to Firstmark. They even backdated the payment due date which essentially required me to make a payment to XXXX and then 15 days later immediately to Firstmark. Not sure if I have any consumer protections at my behalf to help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.

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

Complaint narrative:
I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I 'm a small business owner who is a reseller of business telephone equipment and services and installation. On XXXX XXXX 2016 I sold and installed a telephone system for XXXX XXXX Attorney at Law. We had also sold her service " XXXX XXXX XXXX on a separate month to month invoice. She then opted out of the service agreement 2 days prior to port and decided to go with another vender. But was still using the equipment that was installed. Suddenly On XXXX XXXX I received a reversal payment of {$2000.00} fro my merchant provider XXXX. We do not offer a return policy for equipment after 30 days. I have proved the installation, the delivery of purchased equipment to XXXX, and I 'm limited to information that they will provided, the other BANK which I have learned is Chase is contributing to FRIENDLY FRAUD and ABUSE OF POWER. I 'm asking for a FEDERAL AGENCY to INVESTIGATE as I 'm out of the PURCHASED TELEPHONE EQUIPMENT and the LABOR of INSTALLATION and the REVERSED FEES. XXXX will not provide me information about this transaction nor will CHASE. I feel as if I 'm a victim of FRIENDLY FRAUD and ABUSE OF POWER from XXXX BANKS and an ATTORNEY XXXX XXXX Transaction ID : XXXX Authorization XXXX ID : XXXX {$2100.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed for a bankruptcy, I kept the house and the cars, I filed for a loan modification with chase bank, I was making payments everything was on time. 
All of sudden chase bank sent me papers to and asked for more information. 
I sent in all the information with supporting documents. 
To my surprise, chase sold my mortgage to a different companyNow the new company sent me documents almost doubled my mortgage with noexplanation. 
I was already having problem making the payment I was making with chaseneed help asapthanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My husband has had a Chase Mileage Plus credit card for years. Now, he has XXXX and is in a XXXX XXXX XXXX. I am the spouse and have a XXXX. All is in order on our side. 
XXXX/XXXX/2016 Account is completely paid off, including a small amount of interest that somehow went into the next cycle. 
XXXX/XXXX/2016 I called XXXX ( published by their website for " closing the account ''. I spoke with XXXX who said they need the XXXX. 
XXXX/XXXX/2016 I faxed the XXXX from our landline ( XXXX ) successfully. 
XXXX/XXXX/2016 I called XXXX again and XXXX confirmed that they have the XXXX. XXXX " closed the account '' and said the Close Letter I requested should reach us in " 7-10 days ''. 
XXXX/XXXX/2016 I received an arrogant letter saying they " require more information '' specifically wanting my address and referring to me as an " agent '' on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XXXX XXXX, 2015 my father-in-law an elderly person requested help from me ( daughter-in-law ) and son due to XXXX XXXX XXXX not receiving the payment. After authenticating my father-in-law about XXXX times. The Bill Pay Transaction to XXXX XXXX XXXX for a phone bill of {$50.00} paid on XXXX XXXX, 2015 was never received by XXXX XXXX XXXX which has caused my father-in-law stress after never having any issues. It is unfair and deceptive practice that Chase gave the runaround from XXXX until XXXX, where we patiently waited XXXX XXXX hours for a Claims manager due to the 'high volume ' of calls, when I was finally transferred to a Manager in the XXXX after speaking to over XXXX different Chase representatives ( various of which we did n't document their names, a few were XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and lastly XXXX XXXX, claims department manager ). 
The call started with a simple question as to why XXXX XXXX XXXX had not received the recurring payment for the phone bill. Chase referred us back to XXXX XXXX XXXX to provide them proof of payment which XXXX XXXX XXXX did not approve and requested that a " Transmittal Report '' be faxed directly from Chase. We then contacted Chase again and requested the transmittal form which all representatives were not familiar with and they continued to transfer us to different representatives where the issue was finally and hopefully resolved by XXXX in the evening. 

It has been the worst experience with Chase and the type of experience and most unfair practice. There is lack of training, and it is important that clients and elders are n't treated with this type of experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Occ : XX/XX/2016 On XX/XX/2016, I received my permanent 2mp modification papers to sign and have notarize and have mail back on XX/XX/2016 which I sign, notarize and XXXX on XX/XX/2016. On XX/XX/2016 I received another copy of the 2mp modification papers which was identical to XXXX copy, the only thing different was the date to return it which was XX/XX/2016. I called Chase XX/XX/2016 XXXX and spoke to XXXX XXXX about receiving the duplicate copies, she verified in the computer system she do show they received all copies and signed and notarized on XX/XX/2016. I told her I also spoke with my point of contact XXXX XXXX on XX/XX/2016 confirmed also of receiving all copies and he 's waiting on the Chase to sign the copies and mail back to me. He also advise me to make my payment of XXXX on XX/XX/2016, which I did. On XX/XX/2016 I received my signed copies by XXXX XXXX Vice President XX/XX/2016. 
On XX/XX/2016 I received a letter telling me they have not received my signed notarize copies and I need to have them signed and notarized by XX/XX/2016. I called the number on the letter which was XXXX x XXXX who I spoke to XXXX XXXX XXXX XX/XX/2016 XXXX. I explained my concern of the letter I received XXXX place me hold, came back and said in checking her system its stating they did n't receive the Dodd-Frank copy, I told her I had a witness of all copies of the 2mp modification papers signed, notarize and XXXX to them. She place me on hold again for about 10 minutes and came back telling me to call XXXX which is the 2mp department because they mailed the letter, she also said that office is close call back. Of course I know they are open until XXXX so I called and spoke with XXXX XXXX XX/XX/2016 XXXX pacific time. I explained to XXXX my concern whom was my original point of contact, he check his system and said he show they have recieved all copies sign and notarize including the Dodd-Frank copy and I am permanent modified. I ask why would your system keep sending me out duplicate copies on the same account when it has been completed, XXXX said they have been having logic system problem and he thought it was cleared up but he report it to his supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I receieved a notification from my cred report about an increase in my auto loan. However, i paid ahead on my account for several months. I paid all my late fees off over s period of time. Now, Chase is saying I owe XXXX in fees. I have n't had a fee on my account for at least 8 months. Additionally, I been paying XXXX dollars extra monthly to take care of any out mstanding fee. I tried to call chase about the matter the representative on the phone tried to give me an excuse saying sometime they forget to put it on there. I explained to him I did n't believe that statement. Any other time it 's placed on the account 10 days after its due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX

Company response to consumer: Closed with explanation