vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I Have been trying to work with my loan company JP Morgan Chase to save my home from foreclosure for about 5 years. I have been sending in all of my paperwork that they have asked for and kept being told that it was with the underwriters and than after a few months they would tell me that my paper work expired and that I had to resend it back in and start all over again they kept doing this over and over. They also told me not to make my mortgage payments that they would not except them. I have done everything they asked of me and I recently let them know that I had a increase of income to our household due to my XXXX brother coming into my care after the death of my mother. When they seen that they suddenly informed me that even with the increase of money they could not help me save my home and that it was going up for foreclosure on XXXX XXXX, 2015. Than today I was informed that the sale date of my home was being moved up to XXXX XXXX, 2015. I have tried working with them on this issue from the start and have done everything they have asked me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/2016 I was told by my immediate supervisor at my employment that I needed to contact XXXX XXXX where I work he had a message for me. When I did he gave me the call back number. He also told me person on the phone wanted to serve me with paper about a legal situation and he was promptly told he could not come on the property and was told not to call back. Then on XXXX/XXXX/2016 he called again 3 times. He was not put through the first time. The second time the lady in central control put it through and I told him not to call me at work ever again. He called back again and was rude and used a threatening to the lady in central and she hung up on him. Then on XXXX/XXXX/2016 he left a message on my cell phone saying this was the last and final warning before the file proceeded. I then in turn called the XXXX XXXX XXXX Department and the detective placed a call to the number and he answered the phone and said law firm. He would not divulge anything to the detective without a file number and the number the call was placed to. After research this is not a law firm it is a debt collection agency, An attorney from Alabama has sued this company for the very same thing. Then come to find out he has been calling my sister on her cell phone at her employment and he did this also on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of identity theft/fraud. Without my knowledge, all of my accounts were compromised at some point. By the time it was brought to my attention the damage was done and the account was sold. I reached out to XXXX, XXXX XXXX XXXX , XXXX and provided the sufficient documentation they needed in order to conduct their investigation. their investigation has been completed and they stated that I 'm no longer responsible for this debt due to fraud and has deleted this account from my credit report. They also advised me to reach out to XXXX to have them remove this account as well so I did and the only advice i receive is that they no longer own the account.

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

Complaint narrative:
Around XXXX, I received XXXX credit card offers under my company name XXXX XXXX XXXX from Chase Financial Services. As I was president of the corporation, the cards was in my name as well as the corporations name. All purchases on the cards were company related purchases. No purchases were ever made by me for anything personal. As a result of the financial crises beginning in XXXX, my company, which had been in business for XXXX years ( XXXX ) went bankrupt. Chapter XXXX was granted in XXXX and company was taken over by the trustee. All creditors were notified and released me of debts except for Chase. Chase claims I am personally responsible for the corporate debt even though I never signed any personal guarantees. I have requested over the past several years for them to provide me something, anything, indicating that I have agreed to personal liability. They have refused. What they have done is ruin my credit, increased my borrowing costs and limited my financing options. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cherrington Firm PLLC
State: CO

Complaint narrative:
Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I email chase and ask them to explain why my payment due for XXXX/XXXX/2015 were marked " corporate advance paid. '' I also asked Chase to change " corporate advance paid '' to " payment '' to reflect my payment to them. They refuse. XXXX XXXX of Chase response was : '' On XXXX XXXX, 2015, we received your payment of {$32.00} and applied that payment towards your corporate advance fee on XXXX XXXX, 2015. '' I am confuse about this term they are using since I do not know what it meant and if my payments are debited correctly. XXXX XXXX, 2015, started my new payment since my mortgage is " interest only. '' The website has not changed the old amount ( {$720.00} ) to a new one $ ( XXXX ) so I paid my mortgage {$720.00} short by {$32.00}, but paid it on XX/XX/2015. My payments were marked as " corporate advance paid '' as shown here:XX/XX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE - $ XXXXXXXX/XXXX/2015 PAYMENT $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE PAID $ XXXXXXXX/XXXX/2015 CORPORATE ADVANCE $ XXXXXXXX/XXXX/2015 ARM ADJUSTMENT {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase is stuck with their wrong accounting and stopped servicing our home mortgage. 
Chase sent us back our XX/XX/XXXX & XX/XX/XXXX payments, and is asking us to pay {$22000.00} to bring it up to current. 
Chase is wrong. As of XX/XX/XXXX our mortgage payment was current. The remaining balance was {$350000.00} on Chase 's book ( see the Statement ; Book XXXX ) as was {$350000.00} on our book ( see Book XXXX ). 
Chase is wrong in saying that we did not make the payments since XX/XX/XXXX. 
Chase is doing a robbery and not servicing a home loan. 
Could OCC/CFPB stop Chase 's criminal act?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I paid my loan in full on XXXX XXXX, 2015 and never received a lien release letter nor did the State of New York Motor Vehicle Departmen receive this informationt. I have requested a lien release letter and my title from Chase Bank numerous times both which the representatives and senior representatives have not been able to provide. I have been told that they have mailed a letter and yet to date I have no such letter. I contacted NY DMV and they informed me that they do not have my title and that the bank has this information and should have provided it to me when the vehicle was first bought. I will have to pay again for a duplicate title once the a lien release letter can be provided by Chase Bank. I have a copy of my cancelled check and loan statement identifying that the loan has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Order flowers from a company name XXXX to be delivered to my wife. The picture in their website vs what was delivered was a misrepresentation. Contacted XXXX for a refund per their guarantee and they would not honor it. I then contacted Chase customer service and they said there was nothing that can be done since it was a debit and there was no purchase protection at all on debit purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a retiree on a very small pension and bank with Chase bank. There are times I will incur insufficient funds for no more than XXXX days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than XXXX hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a Chase credit card and was told that I was denied when I called. The reason for denial given was because I have a charged off credit card with chase. I have never had a chase account of any sort. The rep on the phone was unable to give me more details other than what she provided. 

My social security # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks

Company response to consumer: Closed with explanation