vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
.Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. 
The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX XXXX, Chase Bank solicited me for their Slate card. Chase was aware that I had an existing bankruptcy and low credit score. Again, Chase solicited me based on this knowledge. Chase denied me due to " [ my ] credit report contains a bankruptcy ''. I now have an inquiry entry on my credit report that now should not be there as I would have never applied if Chase had not solicited based on my challenged credit history. Inquiries can lower your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I responded to an offer from Chase Slate Visa to transfer balances from other credit cards to theirs for an introductory offer of 0 % and no balance transfer. This offer was clearly stated in the mailing I received in XXXX 2016. I was approved and attempted to transfer a balance from another visa account on-line. I received a letter a few days later telling me the balance transfer was not processed because, " the payee address in unknown '' interesting to note they never asked for the address. Upon receiving the chase slate visa card, I activated it and called their customer support to attempt to process the balance transfer I was attempting to do previously. This time the agent tells me the account I gave them to transfer was n't a visa account. The visa credit card I have a balance on that I wanted to pay off using the new chase slate visa, was issued from XXXX XXXX XXXX XXXX and is a legitimate visa credit card account - their address is XXXX. XXXX XXXX XXXX XXXX UT XXXX, my account is through a branch in XXXX UT. The slobs at chase slate visa have clearly sent fraudulent information in a mailing, ( which I have copies of ) to entice me to sign up for a credit card account without honoring their 0 %, no balance transfer fee offer. This practice is unethical and illegal, and I do n't appreciate their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DLC, LLC
State: NV

Complaint narrative:
the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
One of main reason for me today to make the complain about my credit card is Chase Amazon Card look like fraudulent consumer. I have got the refund from the XXXX XXXX for XXXX ticket total of {$2100.00}. However, Chase Amazon did not post to my account till I have to make call in and was more than 30 days from the refund day. After that I used that credit back to purchase something and now credit balance is {$72.00}. However, I just checked it today and I saw it already used and name as " Credit Balance REfund " charge. 
Wow, could not believe that they never want to issue money back plus interest they hold my money refund and instead they took without any reason. 
This is not first time with the issue with my account, but it was happened so many time and I have recognized that Chase has been established Fraud Transaction for consumer account where they just want to keep money and not return it to consumer and double charge something unknown to consumer. 
I am strongly wanting to be investigate and bring the true to the light. As a consumer with Chase, I have made on or before due date and I deserved what I am being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Currently the Department of Education/NELNET is reporting to the XXXX major credit reporting agencies negative events of 120 day late related to my past account XXXX from XXXX XXXX. I subsequently filed bankruptcy chapter XXXX XXXX XXXX and included these loans in that proceeding. Pursuant to Chapter XXXX bankruptcy guidelines late reporting should cease at the time of filing. The Department of Education/NELNET continues to report this information after numerous disputes to all three of the CRA 's. After the conclusion of the chapter XXXX bankruptcy process and subsequent discharge the student loans have been refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my account is closed and its been years and IRS has also collected this information and considering my income i have already paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I have an auto loan that is financed through Chase Bank since XXXX XXXX. One time since the creation of the auto loan, I had a late payment back in XXXX XXXX. To avoid that in the future, I set up alerts through Chase 's online banking website where it will alert me by e-mail if a payment has not been received and another alert to remind me that payment is due within a day of the due date. However, for XX/XX/XXXX, I did not receive those alerts. My due date is XXXX/XXXX/XXXX. I realized the payment is late and can only submit it for XXXX/XXXX/XXXX. I contacted Chase and their online banking department has noticed that I have not received any alerts since XX/XX/XXXX. They told me to update my alerts in my account again to update their database. I asked if I would still get penalized for the late payment which the operate transferred me to another department. Once I had to explain the issue again, the new operator submitted an inquiry to see if my increased interest that will accrue due to the amount of days after my due date can be waived. They said that around XXXX/XXXX/XXXX, I would get some kind of response back from Chase Bank to see if my inquiry is valid enough for them to waive the fees. They assured me that the late payment will not go against me on my credit score since Kansas laws have a 10 day leniency when submitting late payment but interest will still accrue for the amount of days after the due date and until a payment has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I submitted a request to consolidate my XXXX credit cards and lines and Chase is unwilling to combine my credit lines. There is no reason why they ca n't do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as JP Morgan Chase. JP Morgan Chase refuses to endorse the check so we may recover our contractually obligated fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 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 am filing a complaint to ask Chase Bank to extend time for my checking account. I have checked my account and I see there is an additional fees. I have avoided any and all charges until I clear up my checking account. I would appreciate a call from Chase Bank confirming that that will be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has routinely delayed posting an online payment on my account to then charge me not XXXX but XXXX or XXXX additional overdraft fee charges. this regularly happens over the weekend, so I am careful, but then the charges do n't clear on Monday BAM I am hit with XXXX to XXXX additional XXXX dollar over draft charges. 

This is crazy. I am trying to save so that I do n't have to endure these charges, but this does n't fix their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.

Company response to consumer: Closed with explanation