vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mother and I had linked accounts with Chase Bank, her acct got hacked and they froze both of ours. Then they ( Chase ) emptied out her account and most of mine to hold her liable for the fraud that happened. She and I have tried numerous times to contact the fraud department to find out what the status is and no one is giving us any answers. This has been going on for 2.5 weeks and there is still no update on anything. The woman who 's information I was given seemed to be the one who would know something about this but she has not answered the phone once in the two weeks I have been calling. The bank is supposed to let us know something within 10 business days and I have heard nothing. My paycheck got sent to Chase, instead of my new account at a different bank, and now I ca n't access my paycheck for my upcoming bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.

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

Complaint narrative:
I applied for a loan modification with chase bank in order to save my property from foreclosure and a foreclosure on my credit recorded, so after pleading with chase to obtain a loan modification, i have been forced into a short sale of my property so after so period of time my Realtor located a buyer for the property and made an offer to chase, but chase is telling us at this time there going ahead the foreclosure anyway, they would n't modify the loan and now they wont allow me to sale the property to avoid the foreclosure on my record, i believe this is a great injustice to me and my family by this bank who has received billions of dollars in federal aid paid for by tax payers like myself, can you please help in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a loan modification package around XXXX 2016 to Chase Mortgage loan modification department. I was actively working with Chase Mortgage when my property was referred to foreclosure. 

My property was placed in foreclosure while working on a loan modification. 
Chase double tracked my home while I was attempting to qualify for a loan modification. 

Now my home is in foreclosure and my payments have been blocked making me fall further behind on my mortgage payments. I was not given proper time or opportunity to be reviewed for a loan modification..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: TX

Complaint narrative:
Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase basically accuses me of lying about the procedure and the fact that we provided every single piece of documentation that they requested in a timely manner. I ( as well as the attorney that I was working with ) mailed everything piece of documentation that they requested and in a timely manner. They are also basically of accusing me of lying when I tell about a representative refusing to accept a temporary payment when I called to make one after making them for several months. 
I am completely XXXX at the defamation of character and the fact that they can XXXX us over and left us homeless by foreclosing and selling the house when the sale was supposed to be stopped and they sold it anyway and just get away with it. 
I have reported this matter numerous times hoping that someone will help obtain a satisfactory resolution and I will NOT stop reporting the matter here or with every organization that matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
At the time of my divorce the judge ordered my ex wife and I to pay different credit cards. 
she used XXXX in my name and I had XXXX in her name that I used. she was responsible for paying the debt in my name but she did n't. I have sent my divorce decree and letters to the credit card company many times explaining the situation that she was responsible but they ignored me. Finally, since she refused to pay the bill it was turned over to collections. 
they would n't accept the divorce papers either. She finally settled for a lesser amount Now it is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hi! I am a XXXX in Oregon representing the seller. Chase Bank denied a loan to whom appears to be a well qualified buyer, who is an American citizen, but works overseas ( this was the reason the lender 's loan originator gave to me. ) The parties have been in contract for over 3 weeks and Chase just denied the loan. This buyer paid for and received a copy of the appraisal, which came in without issues. However, since Chase denied the loan, the buyer and his realtor had to scramble to find a local lender. They did and asked Chase to transfer the appraisal which the buyer paid for up front. Chase will not assign the appraisal to the new lender. So, the buyer has to pay for a new appraisal and my seller has to agree to extend the contract another 4 weeks to make time for the new appraisal, processing and CD notification requirements and underwriting. This seems like discrimination and expensive and almost illegal. This buyer has the resources to pay for another appraisal. Many buyers do not. Please explain to me how Chase can get away with these policies. Can we get that appraisal assigned to the new lender? 
XXXX XXXX, Principal Broker, XXXX Out XXXX XXXX XXXX XXXXXXXXXXXX CHASE FILE # Reference Number : XXXX Borrower ( s ) : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Again, this does n't add up. I asked the new lender if there were any red flags on the buyer, and he said absolutely not. I just feel like the laws were changed to protect the consumer, but it seems like we have more, and more issues like this cropping up. I just want to understand. Thanks for anything you can do to help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In the last 3 weeks I am again receiving threatening phone calls from XXXX different agencies stating they are holding a summons in their hand to be served to me at my home or my place of work. They leave this message on my phone and tell me they are coming after me within XXXX to 48 hours. Each of the XXXX times I have replied to their calls, they ask my name and proceed with more threats of consequences and that it is Chase Bank filing the charges. When I continue to tell them it 's not mine, they told me a social security #, which, again, is not mine. Then they continue to interagate me until they finally say the attorney will remove my phone # from the list. This call came from, XXXX XXXX from XXXX. He told me to call the party who was filing the charges, but gave the same # that he was calling from. XXXX. When the phone call was answered they said " XXXX XXXX '', this is XXXX. He asked me if I was born in XXXX, I laughed and said no. ( I am XXXX XXXX XXXX ) The earlier call was from restricted # but gave me # XXXX to call back. It was from XXXX XXXX who continued on to tell me I needed to contact her within 1 hour to avoid any more consequences of the hostile order charged against me for not making contact. When I called that # it was XXXX. Again, this was Chase Bank filing charges against me. Gave me a ss # that was n't mine and she said she would remove my name and number but warned me of purgury. So I guess she did n't believe me and that 's why I got the other call today. How can I stop these threatening calls, they are very disturbing to me and frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is the XXXX time I am contacting the CFPB in an effort to assist with my short sale. I have ha an active office into Chase since the end of XX/XX/XXXX. It is now the beginning of XX/XX/XXXX. 
Over the last five months my husband and I have provided every piece of information requested promptly and have attempted to help this process move along. 
As of XXXX we had not received any update from Chase for close to two months, at which time we submitted a CFPB complaint. XXXX XXXX from their Executive Office contacted me within two days. After some back and forth she advised me our file was " lost '' within underwriting and it had stalled their for 30 unnecessary days. She assured me the file had now moved on to the next step and she would assist us throughout the remainder of our process. 
At this time, I have left XXXX messages for XXXX, none have been returned. The last time we spoke was toward the end of XX/XX/XXXX. I called the Executive line and attempted to speak with anyone, but I was told only XXXX could assist me. The gentlemen I spoke with said he would email her and CC her manager with a request to call me back ... That was the beginning of XXXX. No word from XXXX. 
My file moved to a negotiator, XXXX XXXX, XXXX XXXX. On XXXX XXXX he spoke with my realtor advising we needed a new evaluation on the property. This have been completed but now XXXX is advising that our file has been pulled into some mysterious internal audit. He is very cryptic stating he does not know what the audit is for, why it was pulled and that he nor his manager can speed it along. I have spoken to XXXX XXXX times within the last ten days, each time he states he expects the file that day. 
My husband and I did not make the decision to short sale lightly. It was with a heavy heart that we realized we could not maintain the home or provided the needed repairs due to it 's age. We wanted to do the right thing my completing a short sale versus just foreclosing. However, Chase is prolonging this process at every turn and almost seemingly forcing us into foreclosure after months of negative credit reporting due to their poor internal processes. 
My husband and I have been maintaining utilities on this property and general maintenance since we moved in XXXX. With it now being XXXX, this is becoming a large financial and emotional burden on our family. 
All I am asking for is your assistance in finalizing this short sale process. I have called every number available to me and get no where. Again, please acknowledge that even the individual assigned to assist me in the Executive Office has failed to maintain contact. 
Please, any assistance you can provide in finalizing this process once and for all would be welcome. I am fearful this buyer will walk if the process goes on much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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:
I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called JP Morgan to inquire about the status of loan # XXXX XXXX issued by XXXX to XXXX.- Tax ID XXXX in XX/XX/XXXX for $ XXXX. 
Loan was, according to our records, paid off XX/XX/XXXX. 
JP Morgan transferred me to several departments and when finally it appeared that I got the right department, a lady - XXXX from Texas said that she did n't know who could help me either ; however, she was going to have someone call me at the end of the day. That never happened. 

My name is XXXX - shareholder at the XXXX to whom JP Morgan extended the loan back in XX/XX/XXXX under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I took out a Chase private student loan when I attended XXXX XXXX. Upon graduating, I made the monthly payments to Chase in the amount of {$29.00}. The original principal of the loan was for {$5000.00}. XX/XX/XXXX, I began XXXX at XXXX XXXX University in XXXX, Rhode Island. My automatic loan payments stopped due to my full-time enrollment. XX/XX/XXXX, I made the decision to take the fall semester off. Simultaneously, my Chase student loan was charged off after they said I failed to contact them, even though I was in in-school deferment. My efforts with Chase to reestablish the loan under the original terms were dismissed. As a result, I was forced to enter a payment plan to pay-off the remaining principal of my loan or the action would result in charge off on my credit report, which would substantially affect my chances of bar admission. From XX/XX/XXXX until XX/XX/XXXX, I made 3 payments in the amount of {$820.00}. I reenrolled in law school XX/XX/XXXX, and I am currently enrolled full-time. I am unable to make the remaining 3 payments, which I believe I should not have had to make in the first place. I would like to speak with an individual at the CFPB to determine my options, since this very well could affect my bar admission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Dear Madam/Sir, I am consumer and I was experienced a cheating case during the home mortgage process, the lender name is United Wholesale Mortgage, loan broker is XXXX. Before I sign in the escrow company I was told it 's a no point no fee loan, and the lender will pay the compensation to the loan originator, but the reality is I paid over {$6000.00} to the broker as his compensation. I believe it 's unfair to a consumer, because I am able to find other lenders or broker in my area that can cover my loan cost. 

If needed I can represent all loan documents. 

best reregards, A consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase made a decision to close my account abruptly without notifying me. There has been no history of overdraft nor balance in the red

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have never been modified and I have recently been declined again for a modification by CHASE. CHASE seems to be only looking at a HAMP modification. They 're hiding behind the government program to not offer me help. I told CHASE up front I understand I may not qualify for HAMP. XXXX of America do not. But trying to get a fair review for an investor modification has been difficult. CHASE 's modification department is very dysfunctional and does not seem to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. 

My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. 
The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am behind on my student loan because I can not afford the payments. I contacted the servicer to see if they can offer me any assistance to bring the account current or at least get on a payment plan. They have no options for me. So although I am attempting to pay because I can not pay the past due balance in full there is nothing they can do. This is very frustrating because it seems that all I can do is have the account go to collections. I have been paying on this account for 7 years now and ran into financial difficulties. It seems that more options need to be available to help borrowers pay these loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation