vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Synovus Bank
State: SC

Complaint narrative:
I was a customer at XXXX, A Division of Synovus Bank up until XX/XX/2016 at XXXX. I came in to XXXX to close my bank account with XXXX XXXX. I was owed {$100.00} and change. I was only given {$91.00} in cash. My debit card was turned off and the chip card that was sent out to me was never sent. I was mailed a {$5.00} check. Because my bank debit card was canceled, I could not deposit the {$5.00} Synovus check. I came into XXXX Bank with the XXXX dollar Check and presented the {$5.00} check to XXXX XXXX. She said I could not cash it because My bank account was closed when it was really open. as of today, the date is XX/XX/2016, Tuesday. I had to sign a second bank account closing document and was told to sign a third document to receive my {$4.00}. I called customer service and was stonewalled by the representative with false excuses. I asked to speak to her supervisor. The representative pretended that I did not specify to speak to her supervisor but, the Branch manager at XXXX. She understood me but faked that she did not understand. The Supervisor refused to talk to me. The representative wanted my number for the supervisor to call me later. I asked to speak to a XXXX and was denied. I was placed on a long hold 4 times ; and a supervisor named XXXX rushed me off the call saying she did not know why I wanted to talk to them when I am in the XXXX Bank and They can fix it since the issue is with them. XXXX said she cant make the XXXX Give me the {$5.00} they owe Me. I was lied to by call center representatives saying my bank account was closed then other representatives apologized and said my account was closed, then again other representatives said my account was Open when they were right and my Account was open for usage to cash my {$5.00} check, and to use for other things but my debit card was turned off so, I was not allowed to use my account. The way I was treated was Illegal, Unethical, disrespectful, And Cruel. Synovus and XXXX, Have terrible customer service to wait until I come into the bank the next year to close my account but continues to send my Bank Statements saying I have {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a checking account and later i realized that they ran a credit check without my knowledge or permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I do not nor have ever had any account with Chase Bank. For two years running now, I have had credit background checks run against me for new apartment leases, and the same Chase account keeps getting listed as a charge-off. I have zero association with this card and it does not belong on my credit report. The card, ending in XXXX was opened in XXXX and closed in XX/XX/XXXX. I thought it was possible the account belong to my mom because she filed for bankruptcy in XX/XX/XXXX when my father died. I have confirmed with her she has never had an account with Chase ending in -XXXX. Regardless of who 's account this was, I am not associated with it, and this needs to be taken off my credit report. I was not even born when the account was opened. 
This is my second complaint to the CFPB. My first [ Case number : XXXX ] was closed immediately after receiving a response from Chase Bank. Their response was simply " no, we can not help you, '' and I was not given an option to re-login to dispute their response. I had to call CFPB to hear Chase 's response and they provided no details or information about what steps they took to investigate or why they came to their conclusion ( that they could not help me ). I have been in contact with XXXX XXXX at Chase Bank Corporate HQ where he was not able to find the account in question. 
Because I do not know anything about this account other than the limited disclosed info on my credit report, I can not provide information to Chase Bank to help them. I was in contact with XXXX XXXX ( XXXX ) at the Chase Corporate HQ after opening my original CFPB ticket and he could not identify the account. This does not mean the problem has went away, according to their response! I am filing this complaint as one against Chase bank ( XXXX different credit agencies reported the same thing ), but there are n't any options that best describe my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have had my Chase card since XX/XX/1987 They raised my rate to 27.24 % prior to the advent of the Dodd Frank Act and the creation of your agency. I spoke to XXXX in customer service and she indicated there was nothing Chase could do to lower my rate. She indicated that Chase was not lowering rates right now. I spoke to her about the need review and lower rates according to Regulation Z. She answered that Chase was only required to review not lower rates. My account is in good standing and been so for many years. I would like you to investigate and see why after 5 years of required rate re-evaluation there has been no reduction in my rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My mortgage escrow continues to be mis calculated each year. It is not increasing because of an increase in taxes or insurance, it is increasing because of poor calculations and they never have to provide proof. 
I entered into a loan modification process with them in XX/XX/XXXX I was only XXXX payment behind. I followed there procedures during the trial and entered into the perm modification XX/XX/XXXX at that time they told me my escrow was behind and they had to increase my payment by XXXX or XXXX dollars. here we are again they are now saying I 'm XXXX behind/short. They never corrected my credit from the modification and clearly have not reviewed the process they use to calculate escrow. I want a full accounting of my escrow payments. I told them this. 
They are continually messing up my account. They even got my interest paid incorrect for XX/XX/XXXX. I do n't know what they are doing but it is not in my best interest. 

Please help me, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife XXXX and I, XXXX met with XXXX Of CHASE on XX/XX/XXXX to discuss a refinance of my mortgage loan No. XXXX. 
We proceeded to fill out all of the paperwork and at that time I mentioned that due to XXXX, we had to take out a SBA loan, and would that be a problem. She said that as long as the SBA agreed to be 2nd on the mortgage, there would not be a problem. Over the next couple of months, we supplied all of the paperwork that CHASE requested, usually the same day. The week before XXXX we were told that the loan was approved, and the closing would be in a couple of days. We were very excited. That lasted for a couple of hours, that is when I received a phone call saying that the closing would be delayed because the SBA was never contacted! I was furious! I asked why were they never contacted? The reply was " it feel through the Cracks ''. Over the next couple of months I kept asking, daily, what was going on? I was told that they could not get any answers from the SBA. I finally said " give me the contact number and I will call ''. I had the approval the following day! CHASE then told me that they could not get the final payout numbers from the SBA. Again I called and has the numbers in an hour! 
Finally on XX/XX/XXXX I was told that the loan WOULD NOT BE APPROVED because the debt to loan ratio was to high. WE went from a closing in XXXX to not being approved in XXXX due to the fact that CHASE dropped the ball! I asked them if they could take off one of the loans that I had and replace it with the SBA so that the numbers would work and they said that nothing could be done, which I do n't believe. After 4 months they are refusing to work with me on this refinance. I even said to them that I would even consider a higher interest rate just to get it approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At this time I 'm in a trial Modification loan with Chase that started XX/XX/XXXX ending XX/XX/XXXX when I tried to first check my Hamp status account XX/XX/XXXX it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On XX/XX/XXXX I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at XXXX for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call XXXX, option XXXX. '' I called the XXXX number and spoke to XXXX, I did n't hear her name very well so I ask her to repeat her name, she got silent then said XXXX. I question why I could n't get in my account and she said because I am behind I can no longer access my account, I said I have never heard of that before, I 'm not trying to make a payment just want to review it, she said again I 'm not allow in my account anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
need what I owe for hud settlement hud 1 formchase was supposed to write this offneed amt nd acct #

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I previously represented XXXX XXXX, whose address is XXXX XXXX XXXX XXXX, XXXX OH XXXX, in a foreclosure case in the XXXX County, Ohio Court of Common Pleas. The case was styled J.P. Morgan Chase Bank , N.A . v. XXXX XXXX, et al., No. XXXX. The case was closed in 2014 after the client obtained a permanent loan modification from Chase. While the case was pending Chase continued to deliver mortgage loan related documents to XXXX XXXX c/o the building for my law office without specifying any suite number which resulted in non-delivery of some critical documents including the loan modification agreement which was returned to Chase by FedEx. ( Exhibit XXXX ). I requested through counsel for Chase that mailings be directed to XXXX XXXX ' residence but when the problem continued I requested an order from the trial court to force Chase to send mortgage statements and other such documents to XXXX XXXX ' residence. ( Exhibit XXXX ). Today I received a notice from Chase that I have been enrolled in automatic mortgage payments. ( Exhibit XXXX ). I have no account of any kind with Chase. I searched case files for clients who had mortgage loans with Chase and discovered that the XXXX digits in the notice that I received today match the last XXXX digits of XXXX XXXX ' mortgage loan account with Chase. I have taken the liberty of sending her the notice. I am filing this complaint because its deliberate and improper practice of delivering loan documents to this office intended for XXXX XXXX not only breaches its contractual obligations to XXXX XXXX but is illegal under federal law. Chase knows where XXXX XXXX lives. If it is incapable of properly handling her mortgage account then perhaps it should dismantle its mortgage servicing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2015-06-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems of the Fox Valley, Inc.
State: TX

Complaint narrative:
I found out that I had a medical claim against me using my maiden name and an old address from before XX/XX/XXXX. They said I had lab work done on XX/XX/XXXX when I did n't even live in that state, nor have I ever visited their facility in my life. I also was married and XXXX on XXXX that had me XXXX multiple occasions in XXXX. This claim is from XXXX. Not sure if this is identity theft of what but it could not be from me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation