vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I was in forbearance and they are reporting 90 days delay in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX XXXX, I enrolled in XXXX XXXX XXXX. In XXXX XXXX, Chase followed their policy and charged off my account in XXXX XXXX. In XXXX XXXX, I received XXXX XXXX 's from Chase canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all XXXX credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Indentifiable Event Code ( Box XXXX ) listed on the XXXX, Chase has marked a code of " XXXX '' Instructions for filling out a XXXX states the following : Code G -- Decision or policy to discontinue collection. Code XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but Chase says I still owe the monies for these cards. Based upon the Identifiable Event Code, Chase has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a Chase Slate credit card, advertised as having zero interest on balance transfers. The intent was to transfer a {$20000.00} existing balance. I completed the information online and was informed that I was approved for a {$5000.00} credit line, which I did not want because it was not sufficient to cover the existing balance that I wanted to transfer. I immediately called Chase and they said they would close the account, but it would show as a closed account. It should never show up at all as I would have never accepted this offer. I was never given the opportunity to reject the offer once I got the credit limit, a key term in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXX and asked to sign up for a credit card. XXXX XXXX, the banker, takes me to the private banking section. He recommends strongly that I take the credit card with the highest interest payment. I look at my options, and take the one with the lowest interest payment. Then, I tell him that I make $ XXXX per year, he types it into the computer, and I get approved for a credit limit of just {$5000.00}. He tells me this right after we have a discussion about the {$40000.00} XXXX watch that I 'm wearing. 

I gave this exact same information to the Chase branch at XXXX XXXX XXXX, and I was given a credit limit of {$21000.00}. No paperwork required and no further questions asked. As a XXXX, I can only assume from my own experience that XXXX XXXX would have received some sort of benefit had I chosen the credit card with the higher interest payment. When I did not choose this card, he was insulted and gave me a much lower credit limit than I should have received. I find this incredibly inconvenient, insulting, and most likely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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:
On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase Freedom Unlimited Credit Card in XXXX Online, I received and offer in my email stating that I would receive {$150.00} in bonus points once I had spent {$500.00} in my first 90 days and When I add a Authorized user and They use the card I would also receive {$25.00} in bonus reward points. I have been checking my account and waiting for these to be added, I looked at there fine print to see how long this takes and It said 6 -8 weeks after your first 90 days it would be added. Well I called Chase on XXXX 2016 I spoke to two different people XXXX and XXXX XXXX supervisors They told me I did not Qualify for the Bonus that their is no offer code! I proceeded to tell them that this is the Bonus offer I received in my email and this is the offer I am expecting to receive. I was then told had I called right at 90 days or with in the 90 day period they could add it and adjust it ... They also told me because I went to there website and applied I do not qualify It states the same offer on their website and this is the offer they made. Their offer in my email did not state i need to apply through the link only this is absurd the offer is all over the internet for the card I have and the card I applied for the The Chase Freedom Unlimited Card. I was told I applied for a different card not true its the same card they made the offer to me on and its the same card they offer the bonus rewards points on all over the internet this is highly fraudulent false advertising. I apply did everything this i was suppose to do I added the authorized user right away to get the bonus points. I had my husband use his card so i could earn the bonus points. Now they are refusing to reward me the {$150.00} in points and the {$25.00} in points. I want what I was offered when signed up for the card this is not right!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern : On XXXX XXXX XXXX I was served with divorce papers from my wife of XXXX years. By the end of the month I was forced to move out of the house at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Although I did not live in the home, I continued to pay the mortgage to Chase Mortgage on-time every month. I paid the monthly mortgage, faithfully and on-time since we moved in on XXXX XXXX, XXXX. 
My divorce trial commenced on XXXX XXXX XXXX. On the day, it was apparent the judge was going to award her the home at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Without regard to whether my ex-wife, XXXX XXXX, could qualify to assume the mortgage and continue mortgage payments, the judge XXXX XXXX, awarded her the house. The final divorce decree was signed on XXXX XXXX, XXXX. I also signed and executed a Special Warranty Deed of Trust stating that she was to pay the note. 
XXXX failed to pay the mortgage on time. Instead, only after threats of foreclosure, she made random payments prior to completing the sale of the home. Her lack of responsibility in paying the mortgage on time has resulted in Chase reporting late payments on my credit history to the XXXX credit bureaus. Thus, severely damaging my credit score. When I spoke with Chase Mortgage several times by phone there was no consideration given by Chase to the fact that I was a responsible, loyal customer for several years and always paid my mortgage on time. Chase refused to amend their reports of late payment and refuse help me improve my credit. 
XXXX subsequently sold the house on XXXX XXXX, XXXX. I have also provided a record of the payment history over the last year of the loan. As you will see, the payments where up-to-date until XXXX after XXXX had taken lawful possession of the house and responsibility of the note. 
In addition to this letter, I have attached the pages in the divorce decree that pertain to XXXX being awarded the house and her responsibility to pay the mortgage, the Special Warranty Deed of Trust that also explains that XXXX is responsible for the mortgage payments and the record of all payments made in XXXX demonstrating that I paid the mortgage on time up to the date that she was awarded the house and supposed to make payments. 
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
Sincerely yours, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: WA

Complaint narrative:
Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was contacted via e-mail on XXXX about my Chase credit card. It was being used in a suspicious manner. Turned out there were XXXX instances of fraud using my card number this month. I immediately contacted Chase to cancel the account and report the fraud. The last case of fraud was local and the person is on the store security video. I attempted to file a police report with the local authorities but they needed an affidavit of fraud from Chase. Chase claimed to know nothing about this form and would not provide it. I have been on the phone with Chase numerous times and have not been given answers. In XXXX case I was put on hold and hung up after over XXXX minutes! I have since received a card from Chase to alert me that my account had been closed to protect me from fraud and it says there had been no fraud against my account. I asked Chase about the exact meaning of this but they give me the runaround, not providing answers. I have just about had it with them. I have been a great customer and do n't deserve this kind of treatment.

Company response to consumer: Closed with non-monetary relief