vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 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:
Chase bank puts holds on all of my purchases, debit and credit. I always go to the same gas station and the debit purchase is ALWAYS on hold for at least 2 days. They have a policy of not charging overdraft fees for under {$5.00} -- yesterday was the day before payday, so I was going to put {$4.00} in the tank like I have to do sometimes but the pump was stuck and ended up giving me {$5.00} - I went to the bank branch nearby ( they are always very nice ) and they looked at the history and said that yes it should take a few days to go through and since I got paid today, there should be no overdraft fee. 
I have noticed that WHEN they can charge a fee for a purchase, they will have that purchase go through that same day instead of pending it for a few days. I was charged a {$35.00} overdraft fee because they did n't hold this purchase like they normally do - I realize it was my fault technically for going over the {$5.00} mark by XXXX cents, but it is these overdraft fees that make it very hard to pay my student loans and other bills and lead to further overdraft fees because I am always playing catch up ... It seems like they are not playing fair by choosing what purchases to " pend '' and what ones to rush through just so they can charge a fee. Because I try my hardest to pay all my student loans and rent, etc on time, I live paycheck to paycheck and often have to rely on that & lt ; {$5.00} rule - but I still have paid Chase over {$200.00} in overdraft fees since XX/XX/XXXX ... It is a HUGE burden on XXXX people, on people struggling with masive amounts of student debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase has illegally re-aged debts it is reporting on my credit report to add 2 years to the period of time it will remain on my credit report. It has reported the late payments as closer to the present so that the damage to my score is maximized. I disputed these items with the credit bureaus, with Chase, and through additional correspondence. There is no valid excuse for these entries to be incorrectly reported. I want the XXXX student loan entries deleted. Chase also reports a credit card. I have no confidence that this is reported correctly and would like this entry deleted as well. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Auto will call up to 5 times a day. Some calls are automated, XXXX number shows up as " XXXX XXXX of XXXX ''. I do not speak to them because everyone I have ever talked to has been rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: MI

Complaint narrative:
During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. 
First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. 
On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. 
Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. 
On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello : I purchased an iPad on my credit card from XXXX. The credit card company advertises card benefit services and purchase protection for 90 days. We no longer wanted the item after 15 days, and contacted the credit card company. After mailing the company back our item, they are requesting information which is on the product ( which they have in their possession ). They said they are unable to give us the information ( even though the item is in their possession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase bank has disabled my ability to make mobile check deposits into my account and there is also a pattern of delays on transfers made into this account which I only use to pay bills, causing fees or late payments. These delays and inabilities to make deposits create a situation that allows chase to impose insufficient funds fees and it seems predatory, as I always attempt to make these transactions leaving reasonable time for them to be processed. For example : I have XXXX dollars worth of bills coming out on XX/XX/XXXX but only XXXX dollars in the account on XX/XX/XXXX. I make a transfer of XXXX dollars on XX/XX/XXXX and Chase say it takes up to 3 business days to process but they will not process the transfer for 5 days and then charge me insufficient funds fees. This has happened more than once but only when my account is low or I have bills coming out of the account and it seems it is in order to allow them to collect fees that should not have been charged. Also the only way to make funds available within one day is mobile check deposit which they have disabled for my account. There is no chase branch within XXXX miles of my home as I have moved so I am unable to make deposits in the branch so it seems as though I am being targeted to incur these fees in order to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Purchased a home in 2008. 4 months later I found out it had XXXX drywall installed after Hurricane XXXX. ( If you are not familiar with this, google it and you will find a wealth if information on the matter ). It destroys your home if not removed. Renovation usually run close to XXXX or XXXX % of the cost of the home. Not covered under home warranty nor Insurance. Breaks down your appliances one by one, A/C, Heat, frig., TV, computers, electrical wiring, plumbing. Went to bank, they were so nice to put me in disaster relief program, Forbearance. Did n't have to pay mortgage for three year. Drywall class action suit was coming close to settling. XXXX tells Bank ( Chase ) enough, and kicks me out of Forbearance and say I own {$94000.00}. In back payment. I do n't have $ XXXX and was denied in suite . So they foreclosed on me. I asked for refinancing, bank put me through paperwork hell then, they said they could not loan money on tainted drywall house and proceeded with foreclosure. 4 months ago I got a letter saying " Congratulations " I 've been approved for a refinance loan. No paperwork was needed. Done deal except the $ XXXX and a whole lot of other charges were added to the end of my loan. Before this happened I owed $ XXXX now I owe $ XXXX. ( I purchased house for $ XXXX ) I think something sneaky is going on. Forbearance people said in some cases, they forgive the outstanding back pay due to hardship, I did n't win the lawsuit. XXXX cases settled last month, XXXX did n't, I was XXXX of the XXXX, the type of drywall I have, the XXXX company will not comply with US judge ruling. Bank stated that absolutely could not refinance on this house and the they turn around and do it. I of course jumped on it because I love my home and would do anything to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I been trying to do a loan modification with Chase, I have applied in the past, but I have not been successful because of my income. This time they do n't want to even look at the my application even thou my financial situation is different that it was when I first applied, they refused to review the application, I think that is not fair to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I had a charged off credit card from Chase. They sent me a XXXX, that I added to my 2012 tax return. Chase continues to show that I owe that money, even though, I claimed it as income. This is effecting me, in getting a VA loan, because they are scared Chase can put a lien on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We had a credit card through Chase ( specifically the Southwest rapid rewards card ) that we paid off the balance and closed the card in XX/XX/XXXX. The card was not closed as we had requested and we were charged an annual fee of {$100.00}. When I received a statement in XXXX regarding this I called Chase on XX/XX/XXXX and requested the card be closed. They agreed to close the card and refund the annual fee. I then received another bill XX/XX/XXXX with the {$100.00} charge, an interest charge of {$1.00} and a late fee of {$25.00}. I called again on XX/XX/XXXX and was told there was no evidence the card was cancelled or that the annual fee was refunded. I spoke with a supervisor who stated that she could not refund the annual fee and that I would have to fax a letter to the executive office. She also would not allow me to speak with her supervisor ( name XXXX, in XXXX OH )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 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: NJ

Complaint narrative:
When my loan changed servicers ( from XXXX to Nelnet ) the payment amount increased. I believe this is an error because I 'm on a fixed payment plan, am neither ahead nor behind on payments, and since the terms of the loan are the same the payment should be the same. I have asked Nelnet repeatedly ( via phone calls, emails and live chats ) to explain the increase and they do not. The only explanation their customer services reps give is that XXXX must have undercharged me. When I ask for them to show me their calculations that led them to determine that XXXX did n't charge enough, they tell me that this is n't possible. Either XXXX undercharged me, in which case it should be possible to show this, or Nelnet is overcharging me. Either way, Nelnet is n't providing any of the needed information in order to determine which is correct and is debiting my account more than XXXX for the same loan with the same terms. Furthermore, I 've asked multiple times for a complete transaction history of my loan and they have ignored all but one request and the the only history they did send was missing years worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.

Company response to consumer: Closed with explanation