vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Loans paid as agreed, lender phone calls and correspondence confirmed however no resolution or changes to my credit report or performed by the agency/financial institution for fair credit reporting timelines and or act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Amazon.com was offering a promotion for a free XXXX dollar gift card when signing up. I signed up for the card not planning to ever use the card and was greeted by a nasty credit score defect which was corrected by me and charges were successfully disputed. After this was completed the customer service rep said I would be all set and the account would be closed. Assuming this was the end of my relationship with this company and not having received any billing statements ( which is acknowledged at Chase as it is not my legal address or an address I recieved mail. This was corrected in their system on XXXX/XXXX/16 to my legal address at the time and during the dispute which I offered to send proof of residence. Chase is saying there are charges that are not paid on the account which Im willing to pay for however being unaware of these charges even exisiting and thinking this has been dealt with by Chase like was said on the phone I did not know there was a balance. I make more than enough money to pay the charges at the time and now however this is negatively effecting my credit score because they wont acknowledge this is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I obtained a Vehicle loan from West Lake Financial Services for about {$4800.00}. I had the vehicle in my passion for about 28 days. I was involved in a XXXX in which my insurance company deemed was a total loss. Insurance company only paid about {$4400.00} as they determined that was actual value. I had GAP insurance with West Lake Financial and was told it would cover the rest of the loan which it did. On or about XXXX XXXX, 2016 I made a call to Westlake Financial to inquire what my Balance was. I was told over the phone that I had a XXXX balance. For whatever reason West Lake reported a {$71.00} Charge OFF on my credit report. West Lake never notified me I owed them this money therefore denying me any opportunity to make the needed payment. This Charge Off caused a drastic drop of my Credit Score. It went so low that my main Credit line thru XXXX was closed. I lost my {$10000.00} credit line!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I entered into a service agreement on XX/XX/XXXX with XXXX and paid the deposit of {$330.00} on my fiance, XXXX Chase Sapphire credit card. We hired XXXX to have our dogs transported from XXXX to XXXX. Ten days before ( XX/XX/XXXX ) the pets are to be transported, XXXX was supposed to submit the forms required by the Hawaii Dept of Agriculture to ensure my dogs will be released from the airport. Over a period of 5 days ( From XX/XX/XXXX ), I had emailed the business four times and left one voicemail but the company went completely silent. XXXX then called Chase Sapphire on XX/XX/XXXX and connected with the Fraud department to dispute the deposit since XXXX did not perform the service as agreed upon in their own service contract. Chase then calls XXXX and XX/XX/XXXX actually picks up the phone this time. XXXX denied any wrong doing and denied ever receiving any email or voicemail. XXXX also said that her services are no refunds after 7 days and because of that statement, Chase fraud rejected our claim. When I asked about the business breaching their contract, the Chase Rep stated that we would need to file with small claims court because it clearly stated that there were no refunds after 7 days. The fact that the business never delivered on their service was " another issue, '' per the Chase Rep. We 're stuck with the charge because I signed a contract that said No refunds after seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2016, {$200.00} was taken from my checking account. It happened at a XXXX XXXX XXXX in XXXX where my bank is Chase right next door. I was not up at XXXX-XXXX withdrawing money from my account and I would have not used a different bank when my bank was right next door. Chase denied my claim because a chip dept card was used according to their investigation, but they wo n't look at the video cameras. Does n't seem like a good investigation to me. Why would I file a police report on myself it just does n't make sense to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase continues to ignore my requests for information regarding the history of my mortgage and how their actions have resulted in huge financial losses for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX, Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's " because of your spending history '' Really, who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX, they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem, but they are making it my problem. If I do n't get a satisfactory result I 'm hiring an attorney and going to every news and social media regarding the practices of this financial institute and how the government agencies who are suppose to keep them in line are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I deposited a Chase Freedom credit card Balance Transfer check into my personal XXXX XXXX XXXX checking account per the instructions on the offer. I made sure I had sufficient available credit including fee 's. The check was for {$9300.00} and was returned on the 5th business day as insufficient funds. I called Chase and after getting transferred around and cutoff I finally spoke to a supervisor. She said that XXXX XXXX XXXX sent/processed the check as a CASHED check and not a deposited check. Therefore Chase treated as CASH ADVANCE and not A balance transfer and that my credit line for cash advance was insufficient. I deposited the check to my XXXX account using Mobile Check Deposit. I did not receive any cash at that time and never received cash. The offer clearly says I can make the check payable to myself and deposit in my checking account and it would be treated as a Balance Transfer. I called XXXX and they informed me that THEY do n't control how the check is handled when Chase processes it. And they immediately refunded the fee. When I called Chase back the supervisor said it is not Chases fault, that the offer is no longer available but they had one almost as good but it would take 5-7 business days for money to arrive in my account. So I had to find another source of cash to cover the negative balance in my account for 12 business days. I specifically told the supervisor what XXXX XXXX XXXX said and that I expected Chase to honor the original promotion and immediately cover the negative balance and call XXXX to have fee removed as I did nothing wrong and complied EXACTLY with the promotional terms of the balance transfer offer. She said she would not. I asked her to process a new transfer using the new less favorable terms and just waited the 5-7 business days. I informed her she has lost a customer for life after this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank Mortgage representative on a recorded call to Chase Bank XXXX XXXX ( XXXX TX ) Branch Employee stated 'there was a process in place by which an heir simply completed paperwork to assume complete and full responsibility for a mortgage with no need to qualify or pay fees '. Chase bank has admitted to finding these recordings and that there is 'at least partial error ' on their part ' and now they want me to attempt to qualify for this loan while they 'see what they can do ' ... 

Based on this information from bank employees from the bank holding my mother 's hoarded, underwater loan, I proceeded to do much work to bring the property back up to value. Work and funds expended included 10 days of assistance by many of my mother 's friends removing items to good will/ other nonprofits, renting large dumpsters and exposing these friends to an environment that the homeowner 's insurance policy claim team deemed Hazmat contaminated. Moving forward to process the homeowner 's policy insurance claim, which included subcontracting o a Hazmat trained cleanup crew and special waste truck for some of the debris. Then moving forward from a gutted property to beginning to restore the property ( all while Chase STILL managed to find reasons to withhold the insurance check in an escrow account! ) This meant withdrawing funds for my mother 's ( now beneficiary ) IRA and accruing taxes and penalties and fees to have the funds to pay the contractor. Now that the property is improved beyond original, Chase comes forward to say there was a mistake & they are sorry ... Sorry does n't fix a broken plate once it hits the floor. You are either pregnant or you are not so there is either a CHASE error or there is not! I would not have endured all the stress, subjected my mother 's friends to the environment, been hospitalized with XXXX, much less spent this huge amount of funds for a 'long term retirement investment ' had Chase simply told me the truth! I would have walked away & allowed them to foreclose on a property that was worth less than half the loan!! 


I have additional questions regarding [ predatory lending as I am curious how my mother, an XXXX deceased military widow whom was retired and unemployed could qualify for thes loan with a XXXX balloon payment to occur 40 years later - when she would be over XXXX years old!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Paid account to reflect a {$0.00} balance but Chase has not contacted the credit bureau to report account having been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have sent numerous letters with no response.

Company response to consumer: Closed with explanation