vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
calling my house leaving messages with my XXXX year old daughter telling her who they are and what they going to do they do n't have the right to leave messages with a minor and she do n't no what is going on and she is not on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have had a mortgage with Chase for five years. I 've always paid the mortgage the first of the month. We now have almost XXXX % equity in the house ( tax value was given as {$470000.00} and we owe {$220000.00}. ) so first I wanted to refinance to get rid of the PMI and then to take out some equity to get out of debt due to medical bills. I contacted Chase to refinance and was told that it was preapproved and I sent the necessary documentation ( pay stubs, tax returns, etc. ) During the past nine-ten weeks they have repeatedly contacted us to tell us everything was fine and they did n't need anything. Then I was contacted and told they were not going to take the amount I pay for my student loans they were going to use a different calculation and now my debt to income was too high. I agreed to make some other changes to the loan, and it went back again. They told These changes included paying something else off and other changes. They then came back today and said that on my tax return ( that they have had for more than 8 weeks ) I have some business expenses I claim on my tax returns and that they were going to take this amount off of my income. Because of this new calculations my debt to income ratio was off again. The final loan was going to be {$80.00} more per month and would eliminate basically all of my debt BUT they still wo n't approve it. REMEMBER I ALREADY HAVE A MORTGAGE WITH CHASE AND PAY IT ON TIME. 
Chase is the WORST company to deal with and it appears they are making up the rules as they go along.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: NY

Complaint narrative:
I was on social security XXXX since XXXX. In XXXX XXXX, I contacted Nelnet to have my student loan with XXXX discharged based on XXXX. It was approved. In the written terms, it states that my loan discharge depended on me not earning more than {$16000.00}. per year, which is the poverty limit in New York. In XXXX, I earned a little over {$17000.00}. I was employed and unemployed, as has been the pattern with my XXXX. I was also homeless, so I did not receive their notices to show my income. When i called them in XXXX, after they sent me an email, they told me that it was too late to show my income, and that the loan would be reinstated by XXXX. In XXXX, they told me it would not be XXXX, but Nelnet I repay. I am no longer on XXXX and I am unemployed. 

When I received the balance of my loan, the amount jumped from around {$30000.00}. when I applied for discharge to now over {$34000.00}. I was told today by Nelnet that it is because interest accrued since XXXX XXXX. I asked them how on earth can they validate charging me {$95.00}. per month interest during the time my loan was discharged? they said it is in the terms they sent me. I want to know if this is legal. I want to know if any of this is fair under loan laws and fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 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: AL

Complaint narrative:
Nelnet approved my deferment request, and back dated it to XXXX XXXX of 2015. There are derogatory late payment remarks that remain on my credit, even though the deferment approval covers this time period. I need them to remove the negative payment history for the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The Chase Bank credit card associated with Amazon.com consistently charges late fees for electronic payments, days after those payments have been processed by my bank. It is the only credit card I have that does not credit electronic payments on the day they are subtracted from my bank account. Example : {$220.00} deducted from my bank account for an electronic transfer to Chase on XX/XX/2016 was not credited until XX/XX/2016. Also on XX/XX/2016 they charged me a late fee. This happens each and every time a weekend falls between the transfer date and the due date. It is part of their business model, I am sure. I have cancelled this card but want to report them anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Each time I attempt to log into to Chase.com to pay my credit card ( now three months in a row ), they state that my info is not in their records. I am required to submit info again to get a text message and reset my password. I follow that step and pay, log out, and then log in again and the same thing happens with the new password. This is a 0 % balance transfer card and I believe they are trying to inhibit me from paying by the due date in hopes I will forget or miss the deadline so they can begin charging interest. I have been quick enough to reset days in advance but almost forgot because it takes XXXXXXXXminutes to go through this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.

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 2016-10-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I got a message on my phone that someone was added as a wire transfer recipient. I tried to log into my account, but the password had been changed. I was able to sign in with my phone using touch access. I saw that there was someone added as a recipient and money had been wired out of the account. I called the bank and asked them to cancel the transfer. While on the phone with the representative XXXX more transfers came through. The representative had asked if I had called in earlier in the day, because they showed that someone had called in. Someone had stolen my account information and was accessing my account. Even though I called right after and during the time the transfers were posted the bank was not able to stop the transfers and I had to file a claim. Throughout the process I was told that it could take up to 10 days for there to be a resolution and the money returned to me. My claim was filed on XXXX and as of today XXXX the money still has not been returned to me. I have called the bank multiple times and been transferred around every time even though I follow the instructions on what options to push. Every time I call they tell me a different option or who I need to contact. I have spoken with " managers '' or senior specialists multiple times and all but XXXX did not seem to know or understand the bank 's process or how to handle my claim. The last manager I spoke with on XXXX advised that the money would be back into my account by the end of the day ... it was not. I have probably spent between 6 and 8 hours on the phone attempting to get this issues resolved ; always with different answers and nothing ever really being done. While writing this up I am trying to call the bank right now and have been on hold for over 20 minutes. I 've had to hold off on paying certain bills and it has been somewhat of a struggle stretching out the money that I do have that was n't in my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2016 I use chase bank atm on XXXX XXXX XXXX XXXX XXXX tx XXXX. The atm gave me back part of my deposit but kept {$220.00} of my money and gave a receipt with a XXXX to call. I filed a claim with chase and they are stating they ca n't find the funds. I really need this issue thoroughly looked into because I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on the Southwest Airlines web site and was going to book some air. An ad pops up from Chase cards that if I apply for their Southwest credit card I could get XXXX bonus miles. So I applied for their card. While trying to book air I get another message that says I will get a {$100.00} credit for booking the air with their credit card. I could n't book with their credit card since I had just applied for the card and did n't have the information needed to book using their card. So I stopped trying to book and called Chase to see if I could get the credit card information. I had to talk to someone to get the application approved. It was approved but I could n't get the information that I needed to get the air booked. They expedited the card to me but since it was a holiday weekend it took 5 days to get it to me. I got the card and was able to book the air but I saw nothing anymore about the {$100.00} credit or the XXXX bonus miles. I called today to see what the story was and was told that there were XXXX offers that I saw and I could n't combine them. If those offers show up in the same day on the same transaction I would think that they should be combined. I feel this is a bait and switch tactic.

Company response to consumer: Closed with explanation