vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, 2015 I faxed Chase and sent certified mail a " Qualified Written Request ''. On XXXX XXXX, 2015 I received a package from Chase that contained and account history that had XXXX items listed " NO XXXX '' even though I was being charged various amounts and Truth and Lending Statement that did not have my signature nor my husband signature on it. I called Chase on XXXX XXXX, 2015 and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to find out, what am I paying for under the items on my detailed account history listed as " NO XXXX '', why the Truth and Lending did not have our signatures on it and why Chase opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 which none of the above Representives could answer. During this time Chase kept reporting to XXXX which is against the law under Fair Debt Collection Practices Act and RESPA. I then sent them another " qualified written request '' on XXXX XXXX, 2015 certified mail. In XXXX I did receive several letters from Chase requesting more time and then on XXXX XXXX, 2015 I sent Chase a Letter of Denial for Extension under RESPA. On XXXX XXXX, 2015 I received a copy of my " qualified written response '' ( with no response just the copy of my letter ) and a copy of the written notes on my account. I can prove that Chase has fabricated half of the notes as I have all the actual recordings to these dates. Unfortunately your programs will not allow me to attach voice recordings but I will mail in the disc. Chase has written me that information on the origination of the loan, accounting and servicing fees, debits and credits, Mortgage and assignments, Attorneys fees, suspense and unapplied accounts, property inspection fees and servicing related questions are propriety or unavailable, and will not be provided. How can I pay Chase when they can not provide proof that they own my loan. Chase has also opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 and they can not tell me why. What they are doing is criminal under the fair debt collection practices act and RESPA. I know that the CFPB do not represent the consumer but they must be stopped. How many other people are they doing this too. Please make them accountable for the same laws that we have to follow and there punishment should be the same as ours the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/16 I sent Chase a certified letter disputing accounts XXXX and XXXX. Chase received the letter as confirmed by signature on XXXX/XXXX/16. I repulled my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 to find Chase had not reported the accounts in dispute as required by the FCRA. Furthermore, I sent a second certified letter to Chase stating the same on XXXX/XXXX/16. I received a letter from them on XXXX/XXXX/16 stating they had no record of an account for me and to send my SSN. I did not reply to this letter as it is apparant they already have my SSN if they are reporting it to the credit bureaus and damaging my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: PA

Complaint narrative:
I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Was delayed in XXXX program by Bank of America for OVER XXXX MONTHS. Originally enrolled in XXXX program on XXXX/XXXX/XXXX. 
During this unacceptable XXXX YEAR timeframe, and the XXXX XXXX Mortgage Backed Security fraud, my home lost market value from {$380000.00} XXXX XXXX purchase price to ( having no other option ) short sale closing in XX/XX/XXXX of {$250000.00}. 

XXXX names : XXXX Mortgage Former Property address : XXXX XXXX FL XXXX. 
Bank that own 's loans were Bank Of America. Our mortgage loan # 's were XXXX XXXX first & larger loan owned by Fannie Mae XXXX & XXXX ( second smaller loan owned by the bank ). 
READ article XX/XX/XXXX where XXXX XXXX Mortgage unit was fined $ XXXX by CFPB for giving their customers " the runaround ''. I too experienced " the runaround '' from Bank of America ... multiple requests for identifical information, disconnected phone numbers, they would not accept partial payments, changing of support personnel & phone numbers & locations, along with long winded response letters which were difficult to understand. 

AS A RESULT ... I 'm seeking FULL restitution from Bank of America for the XXXX I lost in my home as a result of their INACTION and mortgage backed security fraud.

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 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I graduated from XXXX University with my XXXX Degree in 2012. I XXXX currently owe Navient about {$70000.00} in private loans. Most of my private loans have an interest rate of 8 %, 9 %, and even 11 % with an unfavorable repayment term. I am interested in consolidating my various private student loans into a more favorable loan with a lower interest rate and a more appropriate repayment term ; but I 'm afraid I have no options. The flexibility enjoyed by many people across this country with a variety of loans, does not apply to me with a private loan. Please advice regarding the current situation with private loans and possible solutions for people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reviewed my credit report to find Chase Mortgage making monthly inquiries into my credit using soft inquires. I find it odd to have so many inquiries without an off being sent to me. I believe someone in their organization is abusing their authority when it comes to checking people 's credit. 

The true issue is I do n't even have a mortgage lol an with chase.so it leads me to believe Chase does not monitor or audit the people who are allowed to make credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has been calling in reference to a Debit Card. I opened the Account in the XXXX XXXX. There was an error on the account. The Bank told me not to worry about the account. The account was still open. Now, I am being harassed for {$84.00}. Please have the Bank explain what happened. I did not put the {$84.00} in my account. I spoke with the bank about it and they told me not worry about it. So, I am just wondering why they are calling me stating that the account has been charged off. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I attempted to obtain a duplicate certificate of title on a 1996 automobile which does not have a lien but the NJ XXXX XXXX XXXX XXXX shows a lien holder, XXXX XXXX XXXX which was taken over by JP Morgan Chase. Chase has no record of the lien but their " Lien Release-No Record '' letter does not list XXXX XXXX XXXX as a predecessor company.Consequently, the XXXX will not issue a duplicate certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was not given the proper 45 day notice for hiking my credit card interest rate on existing balances on my credit card. I received the notice in the mail on XXXX XXXX for a rate hike on XXXX XXXX. I also received no notice in writing for a prior late payment hike. I have never been over 60 days late. Unfortunately, I was two days late on two payments in the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
SOLD PROPERTY IN 2010,,, HAD XXXX WITH CHASE BANK, I WAS XXXX MONTHS LATE AND HOUSE DID SELL. ASKED FOR PAYOFF AND RECEIVED NO HELP WHAT SO EVER. WAS TOLD THE HOUSE WAS IN FORECLOSURE BUT I NEVER RECEIVED ANY PAPERWORK OR NOTICE FOR THIS. CHASE ALSO HELD OUT FOR XXXX MONTHS AND CHARGED ME PENALTIES AND INTEREST THRU THIS PERIOD OF SEVERAL XXXX DOLLARS. CALLED THEM AT LEAST A XXXX TIMES AS WELL AS THE CLOSING ATTORNEY ALSO. NEVER RECEIVED ANY RESPONSE. TO THIS DAY I HAVE CALLED AND ASKED FOR ALL THE ORIGINAL PAPERWORK AND STILL GET A RUN AROUND. THEY REPORT TO THE CREDIT BUREAU THAT THE HOUSE WAS FORECLOSED ON AND THAT WAS NOT THE TRUTH. CLOSING WAS DELAYED DIRECTLY BY THE BANK IT SELF AND I HAVE TO PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Over the course of a few days I received XXXX overdrawn fees for a Business Checking account through Chase. I was under the allusion that my card would decline if I had insufficient funds to make a payment. I used this card multiple times without realizing it was overdrawn. Chase did not alert me via notifications ( email or text ), but only a letter than came a week later. The XXXX {$34.00} fees came to {$400.00}. 

I called to speak to escalations 2 times on the day I realized ( XXXX XXXX, 2017 ) and they only offered to return the amount for one fee - {$34.00}. They told me I needed to have signed up for notifications, and that I was on debit 'coverage ' which allowed me to make payments with insufficient funds - to be charged a fee if my account was still overdrawn by XXXX in the evening. 

This amount of {$400.00} seems excessive to me. I feel like Chase have no care for their customer whatsoever, and that I should have been notified immediately when I incurred a fee ( regardless of system setups ). I do n't understand how they can possibly withhold such a large amount from a customer, offering no alternative for me, once my phone call complaint was immediately denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
After checking my credit report I found XXXX accounts that I did not open. I contacted the institutions involved and informed them of the problem. I contacted the local police and opened a complaint. I received a case number. My adult son opened these accounts while he was living in my residence. He has since fled to California. 
He restricted phone and mail access to cover what he was up to. 
He also opened a XXXX XXXX account, but when I contacted them they refused to cooperate and threatened me with collections.

Company response to consumer: Closed with explanation