vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am the executor to XXXX ( deceased ) estate in XXXX, Alabama. A part of the estate is a house located at XXXX XXXX XXXX, XXXX, Alabama. The house had gone into foreclosure even though my niece was making payments. My sister 's will was never probated by the attorney to transfer the property to her daughter. Automatic deductions were made from her account up until XX/XX/XXXX Without any discussion or notice, Chase Manhattan stopped accepting automatic deductions after XX/XX/XXXX. In XX/XX/XXXX mortgage payments were made by money orders by her daughter. Chase Manhattan never returned the money orders or contacted my niece to inform her if there were any problems. 
In mid XXXX a notice was placed on the door of the property from Chase Manhattan stating the property was in foreclosure. We contacted Chase Manhattan with our attorney in XX/XX/XXXX to discuss and determine what transpired and what we needed to do to resolve the foreclosure matter. After our attorney had a discussion with CM, we were told by Chase that certain fees had to be paid in order to remove the property from foreclosure and transfer the property to the heir. We paid {$2600.00}, the amount Chase said was required to make the mortgage current and cover fees associated with the foreclosure. We also provided the necessary documents, death certificate, will etc. that Chase required to change the name on the mortgage. We were told by Chase Manhattan that ownership would be transferred and my niece could continue making payments. We received another notice in late XXXX that the property was in foreclosure and XXXX XXXX owned the property. XXXX XXXX had hired a law firm to manage the foreclosure. It stated that XXXX XXXX now owns the property and any occupants would be paid a certain amount to vacate the property by a certain date. The family was totally shocked and in disbelief that this was happening. Particularly after working the attorney and Chase Manhattan to resolve the situation. 
The actions taken by Chase Manhattan and XXXX XXXX are unscrupulous, unwarranted, and illegal. The family request that the foreclosure be reversed and property transferred to the heir without any additional fees. I would also like for Chase Manhattan and XXXX XXXX to be held accountable for their illegal and unscrupulous actions. The family has sunk XXXX of dollars into the upkeep of the property. We desire to keep the property in the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My loans are in the process of being transferred from Nelnet to XXXX XXXX. I have automatic payment setup for my account. My XX/XX/XXXX payment of {$610.00} had been scheduled to be deducted on XXXX/XXXX/16. On XXXX/XXXX/16, my Nelnet account showed that my account marked as late. I called Nelnet to clarify why my automatic payment had not been processed. The rep stated to wait a day or two because of the weekend. On XXXX/XXXX/16 the payment has been deducted from my bank account, but it is unclear who has received it. My Nelnet account does not show the XX/XX/XXXX payment posted, which should have been applied on XXXX/XXXX/16. Nelnet shows on XXXX/XXXX/16 my account transferred. I have yet to receive my welcome letter with account number from XXXX XXXX. I called them on XXXX/XXXX/2016 and they state they have not received my loan yet. The rep stated it may take 30 days or more for my payment to be processed if it is not included in the transfer. I explained the amount has been deducted from my account so it is not of question of it being made but a question of who collected it. I have yet to receive an answer from Nelnet or XXXX regarding that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Filed a claim for {$63.00} with chase bank on XX/XX/2016 Have called them every single day to fight with them tooth and nail jus to get a temporary credit to my account due to their system being very unreliable to work proficient and efficient! As someone who sacrificed everything for this country in the military, I should not have to come home and fight for my money that XXXX is holding as ransom and screwing up my financial matters!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC
State: FL

Complaint narrative:
I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase strikes again. My wife and I were at XXXX and tried to reload our XXXX cards with {$25.00} through our XXXX apps, her using the main account we have and me using our joint account. We 've been doing this for a year and a half now on these same accounts and same cards - nothing has changed. Well, the app kept giving us an error that the system was not available, so we each tried to load funds 3 times because it sounded like a connection error. We could n't get it to work and finally paid with cash. Right after we leave I check on my Chase app and we each have XXXX PENDING TRANSACTIONS FOR XXXX DOLLARS EACH, BUT THERE ARE NO FUNDS AVAILABLE TO EITHER OF US ON OUR XXXX CARD. We immediatley called Chase customer service. They feed us the bs line that it 's for our protection and convenience. How is it convenient for us to not be able to use OUR MONEY and have them DEDUCT MONEY FROM XXXX OF OUR ACCOUNTS WITHOUT US GETTING THE GOOD OR SERVICES AND HAVING TO SPEND HOURS WITH THEM ON THE PHONE WAITING FOR OUR {$150.00} IN CASH TO BE RETURNED TO US? We have had it with Chase. We 've opened another account and will empty these accounts and then never use them again. They are despicable and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
LATE FEE was assessed even though Chase made it impossible to make the payment online by purposedly blockign access to my account. Although there may be times when making a payment online is not possible, such as their own internal outage or server issues, this account was blocked apparently on purpose so that the fee would be assessed immediately. The actual payment had to be - and was - made the next day, after access to the Chase website was secured. The company stated that other means to make the payment were available, e.g., phone, I, however, had no access to the phone on the evening the payment was due. Chase has refused to credit the late fee despite being responsible for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.

Company response to consumer: Closed with monetary relief