vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i have been dealing with Chase modification department for over 5 years. Have been assigned numerous Customer Assistance Specialists and also various supervisors to help resolve issues that have needed assistance. All documentation required had been sent to them over these 5 yrs with no resolution. This has continued with no resolution after 5 long years of frustration. I can not begin to count how many times we have completed all these loan packets that have been sent. Over these last years we have supplied every document chase requested. We keep all this documentation back up. Every time they assign us a new assistant we go thru this same process with no resolve. Please help us get this finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a new debit card in the mail for XXXX of my checking accounts ( debit card XXXX ). I did not request a new card for that account because I never use a debit card for that particular account.I called to get a PIN for it on XXXX/XXXX/15 in which I have not received as of yet.Over the weekend I was unable to make purchases, use my card as a credit transaction and retrieve cash from the ATM from my other checking acct ( debit card XXXX ) in which I always use a debit card for. It kept saying wrong PIN.I called and emailed Chase today and was told that the PIN was sent on the wrong account and that I will have to go in to a branch or wait for the new PIN to come in the mail.My work schedule makes it very difficult to do that and I and my children were also humiliated when I could not pay for the groceries I had gotten. I literally had to go home without groceries and without being able to obtain cash from debit card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
when I was in my XXXX, I transferred schools. Then they began billing me as if I was no longer enrolled in school. I filled out forms and the financial aid dept at my university informed them I should have my payments deferred until graduation. unfortunately, none of that happened and my loans accumulated interest and late fees. I payed what I could and then could n't. it went into forbearance. I eventually was able to get a repayment plan based on income. however, I am still paying more than I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I tried to pay my car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I NEED HELP IN BUYING A POPERTY. AND WITH MY CREDIT NO ONE GIVE ME CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am very dissatisfied with the results of my complaint. It was against Washington Mutual whose loans were assumed by Chase. I received an unsigned document that was written by someone who had not taken the time to understand the scam we were drawn into. I have responded and am sending the CFPB a copy and requesting a follow-up inquiry to assure someone at Chase takes the time to review and understand what happened to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX my husband moved out of our home and refused to pay any mortgage payments. I filed for divorce later that month. In XXXX, Chase sent me a mortgage assistance package ; I completed the documents and sent them back. In XXXX, I was able to be hired as a XXXX, I also obtained a divorce. I mailed Chase the updated information in XXXX, asking where to send payments, and did not receive a response back, nor notification that my application from XXXX had 'timed out '. I contacted Chase over the phone to make a payment and they said they needed a minimum of almost {$1700.00}. I told the person I could not pay that ; I had {$600.00} available for a payment, but no more and that I get paid once a month. She also told me my previous application had timed out and that I had to resubmit the forms ( new forms for XXXX ). I attempted to upload the documents, only to get an error that the 'upload feature ' was not working, so I faxed all the documents ( XXXX pages ) on the XXXX of XXXX. I checked Chase online, and they are not showing the documents. I attempted to upload another document today with the same issue : the upload feature is not working, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
the loan started off with XXXX. XXXX told me I could save XXXX $ a month from my {$1900.00}. so my payment would have been {$1300.00}. 
Thats what XXXX told me my payment would be if I refinanced. Then they fired him and they handed over my account to an associate named XXXX. I told this new associate I did not want an escrow account. She told me I would get {$3500.00} dollars back when closed on this deal., And I found a paper stateing the payments to be {$1900.00} and I told them the escrow wasnt supposed to be included, and they made the payment out to be wrong. So I told them escrow was n't supposed to be included and they knew the payment supposed to be the {$1300.00}, so I made XXXX payments this amount and then they said they would n't accept it unless I paid {$1900.00}. I would have never went for the loan unless the payment was going to be lower. I tried to contact the loan company to tell them the deal was off because the loan now was going to be more expensive then it ever was going to be. 
I never signed escrow account to be in effect and they said they were n't going to accept {$1300.00}. I feel I was scammed into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have a Chase Ink Plus Plus card, and I am unable to transfer my ultimate rewards points to my XXXX XXXX account. I have not been given a reason for not allowing me to do so. I understand that Chase does not want me to send points to the accounts of employees ; I am not trying to do that. I am trying to transfer the points from my account chase ink account to my united account and the request is being blocked by the rewards team.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I started working for a company in XXXX when I got out of high school. ( XXXX XXXX ) I was n't making any money so I got a real job. They stated that I had sold knives to a customer in which they did not finish paying for. Did n't know anything about it at the time. I see on my credit report that they were reporting. However a collection agency has it. I called the company directly and they stated the amount is XXXX. So I have made payment arrangements with them. However Chase is reporting on my credit for XXXX and some dollars. XXXX states that they never sent that amount over. I was never contacted by chase. When I called them the rude lady tells me it does n't matter what XXXX states I must pay them what they ask for. I never went through this with any other collection agency. The lady lied and said I spoke with them in XXXX XXXX, was n't me, it was the credit repair company apparently. Then she lied stating they sent a letter after they got my info in XXXX, but before that they did n't have a way of contacting me. I was never contacted regarding this. I feel that chase needs to stop reporting wrong information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loan provider for my private student loan is refusing to help me with some options to repay them. Unfortunately I recently lost my job and have no income because I was denied unemployment benefits. I am still fighting that decision with the State Department of Labor, but in the mean time I explained to FirstMark Services ( A Nelnet Company ) that I could not pay my monthly amount. I explained this to them before the date my payment was due since I had signed up for their auto debit program. They claim that since I have not made at least XXXX payments I am ineligible for forberance. So after that they continued to charge me late fees even after they knew about my situation including trying to collect the money from my bank account with no authorization which resulted in my bank charging me returned check fees. Then on XXXX/XXXX/2017 which would make my payments two months late they have a debt collector call me saying they are trying to collect a debt from me for an amount well above two months late including late fees. They then proceed to connect First Mark Services via a three way calling and then both of them started recording me telling me that they could not help me and that I do n't qualify for forberance and that at the end of the month it will go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had been applying for loan online and had been getting call backs from them so when I got a phone call saying that I been approved that all they need to was verify my information so I gave them what they asked my for my online banking and the last XXXX of my SS they told me that frist they had to send money to make sure that my bank account was open and the next day I would have to send it back to them through XXXX so I did as they told me to do and they told me after I did the XXXX that within 45 mins I would have my loan well I wait to the next morning to see if I had got the money when I log on to make account it told me to call my bank and my bank to me that they we closeing my account because it looked like the money the loan people sent me for me to send it back was not there and they were closeing my account and I could no longer ever have banking with them again. The loan company they said they were was XXXX XXXX. When I told my bank this is what happen to me they said sorry but we cant help you. I had my account with chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
It shows that my Chase Card account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
My student loan is in default and I have been trying to get a income sensitive loan rehabilitation agreement with the loan servicer since XXXX of last year. All of my application and documents are complete. Their apparent unwillingness stems from the fact that they want me to pick up the phone and discuss a payment plan. I have stated numerous times that I will not do this. All of my transactions have been written and sent via certified return receipt mail. My income is negligible, my legal payment will be much less than what they want to illegally coerce by telephone conversation which can not be proven. I have given them multiple chances and 30 day waiting periods between correspondence. The loan servicer does not respond unless forced to- I have a sizeable packet with copies of all written correspondence, documents, and mail receipts, for inspection as necessary. The loan servicer is Coast Professional in XXXX, LA. They are refusing to send me a written payment agreement contract for income sensitive loan rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: GA

Complaint narrative:
I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from Platinum Holdings aka Premium Asset Services aka PAS LLC- from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old XXXX XXXX credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company response to consumer: Closed with explanation