vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Current HE Loan with Chase was coming to term. Property address is XXXX XXXX XXXX XXXX NY XXXX. We began the refinance of the loan if mid XXXX. Chase rep is XXXX XXXX XXXX XXXX XXXX. Chase was given all of the documents requested and that was fulfilled by XXXX. During the month of XXXX XXXX called to state there was a " missing payoff from when the original mortgage was with XXXX Bank which was taken over by XXXX BANK. She has contacted them and they found the loan was satisfied and will expedite the information to them. This will take 7-10 business days. '' She informed us that she is remaining in contact with them. On Wednesday, XXXX XXXX XXXX left a voice mail stating " TD has not sent the information they said they would. The existing balance of {$130000.00} is due from us by Wednesday XXXX XXXX and there is nothing they can do. '' When contacted and told we were never asked to obtain that document and in fact we were told we satisfied the request for all materials, she stated it is not Chase 's job to get the loan satisfaction and they were doing us a favor. 
I called TD Bank today and finally spoke to XXXX XXXX is mortgage servicing. He was extremely helpful. He stated there is no request from anyone at Chase and he even had his supervisors look into it. We placed a conference call to XXXX XXXX at XXXX and she did not pick up. XXXX XXXX left a detailed voice mail and told her to contact him asap and she could email her request since one is on file.

Company response to consumer: Closed
Consumer complaint received 2016-09-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received no written notice or reminder my payment was due on XXXX credit cards that were due today. When I remembered tge payment needed to be paid today, it was past their cut off time. Their app I use to pay my credit cards states to call them if you are making your payment past a certain time. I contacted them only to be told I would incur a late fee and that in future I might want to sign up for auto pay, I told them I wished that had been offered this service before today. No one had ever told me this. It just did not seem fair after talking to a supervisor also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had multiple unknown fraud charges applied to my credit card in XXXX of 2016. These charges were out of character of our spending habits Our Capital One Mastercard did not notify us of any unusual activity. Which they have in the past for much less. I caught it by checking my credit card statement before it was sent out. I notified the XXXX XXXX. The day I caught it. I canceled the card, immediately ordered a new one. They continued to charge my card with pending fraud charged even though they had been alerted. They removed many of the charges but then reapplied some them in XXXX even though Myself or my husband did not authorize any of the charges. We have been a customer with this crdit card for 22 years. We pay our bills on time and spend thousands of dollars through them yet they have failed to protect us in this one incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a Chase branded XXXX XXXX Rewards card in 2014. When I signed up for the card I did so due to the current marketing offer that was sent to me for a XXXX point XXXX bonus after the required spend in the XXXX 3 months. I hit the required spend, but I was not given the correct promotional bonus. I called in a couple of months later to notify them and was told that I should see the points show up in the next couple of months. It has now been a year since I first signed up for the card and I have paid my second year 's fee on the card of {$390.00}, but I still have not received my XXXX XXXX point bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted Chase Bank a few months back to understand how they apply payments, I was told then that that payments are applied to the highest interest balance. Today XXXX/XXXX/16 I was reviewing my statements for the last few months and noticed that this has not been the case so I called Chase again. 
I spoke to a XXXX in their XXXX XXXX TX call center who told me again that payments are in fact credited to the balance with the highest interest rate.. When I told her that based on the information on my statement this was not the case so she then told me that any payment I make first is credited to my oldest promotion balance and the remaining funds to my balance with the highest interest rate. 

this again proved to be wrong based on what I have on my monthly statement. 
XXXX had me on the phone for over 45 minutes and finally transferred me to her supervisor XXXX who also could not answer my question. By then I was on the phone for an hour asking that someone tell me the breakdown of how my payments have been applied but neither XXXX or her supervisor could figure this out looking at various screens on their computer. My question is if Chase employees ca n't figure this out how an average consumer could ever be able to see where their money is being applied to. I asked XXXX to formally log my complaint as I was expecting someone at Chase could get the answer to may question and call me back but I was told that she will log the complaint but that no one at Chase would call me back as they do n't reply to the complaints filed-this just makes no sense-why log a complaint if you are not going to do anything about it. 
I now feel that Chase has been taking my money and applying the payments any way they choose -probably to my lower interest balance so that they can maximize their interest income while causing me, the consumer to overpay interest Their statements are certainly not consumer friendly to allow me in seeing how every dollar I pay is being applied. I have no faith in Chase and their customer service and want to understand as minimizing my interest costs is critical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On approx. XXXX XXXX XXXX I received XXXX different credit cards from XXXX Rewards, ( Chase bank ) which I did not request or apply for. I was shocked. I called Chase immediately and was transfered to fraud detection. I was then told by them that they had actually issued XXXX credit cards in my name. Each of these cards had fees attached to them which I refused to pay. I also told them they must cancel these cards. This was clearly not a big surprise to the people at Chase. I believe this was done intentionally to force these cards upon me. They agreed to cancel the cards and told me I would have to contact the credit bureaus myself which I did. I do not know if this was a fraud by someone else but I doubt it. Why would a thief issue the credit card to my address? Please investigate Chase as I believe they may be doing the same thing XXXX XXXX has been doing. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I acknowledge receipt of JPM letter in response to claim # XXXX regarding JPM 's failure to disclose the type of loan they were granting and whether or not I had options. 
In search for reducing my monthly payments and since JPM was my current lender at the time after refinancing my loan in XX/XX/XXXX, I approached them to inquire about the loan rates ( since I had noticed that they had been going down ) and shared my need to reduce my monthly payments. I recall the rates to be below 4 % ; however, this was not granted to me indicating that they were not available or something,,,, Chase letter seems to indicate that they did a great job by reducing the rate ; however, in order to reduce XXXX bps of the rate, the loan term increased from 20 years to 30 years after having paid closing costs 2 years before as JPM refinanced my loan in XX/XX/XXXX. Original loan was obtained thru XXXX in XX/XX/XXXX. The loan amount also increased due to new charges,,,, all in all JPM fails to indicate that the refinance did not in effect reduce my debt but rather increased it in every way by total amount of debt and term! 
JPM failed to explain, at the time, that there was a special program from which I could benefit and/or I could go to a different institution. 
Although the documentation presented to me indicates that it was a HARP loan,,,, THIS WAS NEVER DISCLOSED TO ME!! 

I needed to reduce my monthly payments and accepted the terms because I WAS UNDER THE IMPRESSION I HAD NO OTHER OPTION,,,, should JPM would 've been forthcoming with the correct information, JPM would 've complied with its fiduciary responsibility to provide a non discriminatory loan which I certainly feel that it was not the case. 
Furthermore, the malice intent, in my mind, further lies on the fact that JPM 's representative continued their failure to effect proper disclosures by not even leaving signed documentation at closing and later continue to indicate that JPM does n't sell the loans only provide full disclosure of note holder when I press for a copy of the note. 
I have never been late with my mortgage payments and have always tried to pay extra in an effort to reduce the loan as much as I could, even during very financial difficult times. JPM needs to look at their records thoroughly. 

I do strongly request that JPM make it right by reversing the rate to what it should 've have been. 

I need copies of all the signed closing documents for this loan. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank which I have a mortgage with is charging me abusive insurance on top of my mortgage and I was only notified of the insurance policy charges once the amount was already applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.

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 monetary relief