vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: NC

Complaint narrative:
On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
This is the second time I have tried working with Chase for a loan modification due to financial hardship. In XXXX I had to send repeated requests. They kept telling me my paperwork was expired by the time the finally got around to reviewing it. After a year of doing this, I finally received a letter advising me they had no options for assistance. On XXXX XXXX, XXXX I faxed a request for loan modification once again. I was advised it would take about 5 business days to be reviewed & that Chase had changed their process from the last time I had tried to get a modification. Supposedly the process would be more consumer friendly. On XXXX XXXX, XXXX I contacted Chase because their website did n't show any information regarding my request for loan modification & I also had not been contacted like I was advised I would be. This time I was advised they did n't see anything being reviewed. I advised her of the date I sent the fax & was then advised that she could see the complete application but it had not been reviewed OR opened. I was then advised that I should just resend my request because it would be faster to get it reviewed. I was told that would take 2 days from when it was received versus the XXXX10 days it would take if she forwarded a request. I have very little faith in Chase 's ability to handle or process this request due to the horrible way my previous request was dealt with. They already are off to a bad start if they have information but ca n't bother to review it. While I do understand it 's not their fault my mortgage is past due, I think their lack of proper handling is an issue. No one ever seems to have answers & I never get the same information. Thank you for your time in helping me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Credit Card : Below are the XXXX amounts outstanding on my Chase Credit Cards. The credit card ending in XXXX has had a 0 % interest rate offer on balance transfers for a year. I 've contacted Chase numerous times this month requesting to combine both credit card balances, ( each with interest rates of 15 % + ) on to the 0 % offer, speaking to Supervisor after Supervisor ; however, each occasion they would not allow me to transfer within the company. Stated " it 's against policy. '' I came to the solution of contacting the White House, because this policy is not fair. 
CREDIT CARD ( ... XXXX ) Account Summary Current balance {$7900.00} CREDIT CARD ( ... XXXX ) Account Summary Balance last statement {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I attempted to purchase a flight using XXXX credit card points system but it was trying to charge me the full value of the points AND cash for the flight, so I booked the flight through Chase 's my ultimate rewards system with the points associated with the card. For some reason, my united credit card and miles plus number did not register with the ticket and as a result my bag was assessed a {$25.00} fee. I called to raise the issue with XXXX who referred me back to Chase who referred me back to a gentleman at XXXX that told me he would refund the charge to my account. The call was disconnected while he was finalizing the refund. I called back chase and XXXX, but neither would reconnect me with the gentleman who was resolving my issue or honor the refund that the gentleman I spoke to assured me I was entitled to and which he was going to process. Instead, they passed me around to numerous departments that had no idea how to process the refund and said I needed to speak to someone else. The final person I spoke to refused to do a refund. XXXX and chase conspired to prevent me from receiving a benefit they said I was entitled to by making it impossible to connect to the person that was handling it already and playing a game of pass the potatoe so that I would go away due to being annoyed and frustrated and they would keep the bag fee I should not have been assessed in the first instance. I had to book with my rewards because that is what the XXXX customer center said was the only way to do it thru points since the booking was 20 days out when made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

Sincerely, XXXX XXXX Tel. ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my Chase Checking Account over the phone almost 2 months ago and still have not received my account balance check in the mail. I want my account balance returned to me in branch. 

I closed my Chase checking account over the phone on XX/XX/2016. The number I called was XXXX. As of closing date, I had a remaining balance of {$2400.00}. I was assured over the phone that I would receive a check for that amount within 14 business days. 

I had still not received my check by XX/XX/2016, by which point 14 days had elapsed. I called in to inquire regarding my balance check. Chase assigned a research analyst named XXXX ( tel : XXXX ext XXXX ) to my case. XXXX called me on XX/XX/2016 and told me to go to a physical Chase branch branch to sign an " affidavit '' to have the check reissued. 

I go to my branch on XX/XX/2016 and spoke to an employee named XXXX XXXX ( tel : XXXX, email : XXXXXXXXXXXX ). He had no idea what affidavit I needed to sign. I called XXXX and she did not answer. After I sat in XXXX 's office for 3 hours while he called around, he gave me a National Account Closing Request form to sign. I sign and have it notarized and he faxes it in to XXXX on the same day. I have attached a copy of the form. 

After XXXX faxed the affidavit in, he told me he is unsure if he is allowed to reissue the check. After hearing nothing from Chase, I called Chase again at XXXX on XX/XX/2016 to inquire about the status of my check and spoke to a manager named XXXX XXXX in Ohio. She tells me the branch should mail me the check, but that she has no way of confirming if the affidavit was received and when it will be reprocessed. 

On XX/XX/2016, I went back to the branch and spoke to Branch Manager XXXX XXXX XXXX ( tel. XXXX, email : XXXXXXXXXXXX ) to attempt to get the situation resolved in branch or at least get some indication of when it would be resolved. She calls in to the Banker 's Support internal support line and spoke to " XXXX '' who assured us that my check was mailed out on XX/XX/2016. " XXXX '' was unable to provide a tracking number or check number for this replacement check. As of XX/XX/2016 I have still not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. 
I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.

Company response to consumer: Closed with monetary relief