vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I submitted a Credit Dispute directly to chase, as permitted in the FCRA. My dispute was that I am an authorized user on my fianc 's Sapphire Card, and they are reporting that on my credit. My dispute was to have them STOP reporting this line of credit to XXXX, XXXX, and XXXX as I am ONLY an authorized user and not liable for the debt. The dispute was sent to Chase XXXX/XXXX/2016 through their online secure message center. Their terms and conditions and card member agreement to not specific an address or location to submit a credit dispute to, so as such, I submitted through this channel. On XXXX/XXXX/2016, Chase acknowledge my message. The correspondence to Chase through their message center will be attached to the case file. 

As of today, XXXX/XXXX/2016, I have not received a notice of determination as required in the FCRA. They have did not need an extension of 15 days, even so, they would still have failed to provide a required notice regardless of the outcome of my dispute within 45 days. Furthermore, as it was not deemed irrelevant or frivolous, Chase provided no notice of such within 5 days as required by the FCRA. 

Chase is now willfully in violation of the FCRA. As permitted, I request them to honor my dispute to stop reporting me to the credit bureau as an authorized user. Also, I demand a payment of {$1000.00} for Statutory Damages for their willful violation. Should Chase not do so, I will seek litigation for this matter. I will seek {$1000.00} for their willful violation in addition to damages for their negligent violation as they failed to abide by their obligations under the FCRA. 

This is a blatant violation of consumer rights and is unacceptable. ( Though my documents are scanned .PDFs, the dispute with my ID/Credit Card were sent in COLOR removing an legibility issues. ) Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
i got a car loan from Westlake financial, and contract end XXXX but i got XXXX deferred payments which accumulated more than {$2000.00} worth of late charges and fees. I only burrowed {$8300.00} at XXXX % {$280.00} payment since XXXX. its been XXXX years and still asking for additional {$2400.00}. already paid in total {$16000.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I applied for a MileagePlus Explorer card from Chase in XXXX of 2015. The offer agreement contained a {$50.00} statement credit for first purchase with the card ( after up to 8 weeks or more ). After 8 weeks from the first statement closing, Chase refused to honor the agreement for the {$50.00} statement credit, and said that their system indicated I had not applied through the correct path. However, the {$50.00} statement credit was in my original offer and should be honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have been disputing student loan debt with NELNET for about two years and as of to date XXXX XXXX, 2016 the debt has never been verified. I have sent numerous letters asking them to please verify this debt to no avail also I have previous file complaints to no avail. And according to the FDCPA if this debt can not be verified than they can not collect on it, nor report it to the credit reporting agency. I have recently sent an AFFIDAVIT OF TRUTH ( private statues ) on XXXX XXXX certified mail receipt XXXX XXXX XXXX XXXX. I have yet to receive an response and they are still reporting these accounts on my credit profile. I am currently seeking to sue for violation of the FDCPA and FCRA. I would like for them to please verify these debts or remove them from my credit profile ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed for personal bankruptcy in 2010. I understood from my lawyer that I would lose my mortgage because of the filing. This was not a problem since I did not think I had any equity in the home. And, a family member offered me free housing. A while after filing bankruptcy Chase Bank, my original mortgage holder contacted me and told me they wanted to give me a new mortgage so I could stay in my home. I explained that I could not afford the home because I had taken out all the equity with a loan from XXXX XXXX. Chase wanted to look into the issue, I sent them all the information they requested including all my bankruptcy documents. The bankruptcy documents clearly showed the loan from XXXX. A short time later Chase contacted me and said XXXX did not have a lien on my home. They said the loan from XXXX was not a home equity loan as I thought but rather some kind of personal loan that was dismissed in bankruptcy. This meant that I had enough equity to afford a new mortgage, although it would be a struggle to pay the mortgage. I accepted the new mortgage from Chase Bank. Five years later XXXX XXXX finally contacted me and told me that I owed them all the equity in my home and they wanted payment. They said Chase was wrong and I had to pay XXXX. I could not pay XXXX so they informed me they would be forced to foreclose on my home. 
Today I finally sold my house so I could pay off both Chase and XXXX. 
My complaint is that I feel Chase defrauded me. I would never have accepted a new mortgage from them five years ago if they had told me the truth about the loan from XXXX. I would not have struggled for five years to pay the mortgage and would have been staying with family for free while I finished school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Issues in XXXX. My loan estimate states my fees are {$6800.00}. I was given my cd with fees $ XXXX higher than what was disclosed on XXXX. My loan officer forced me to close on XXXX, waiving my 3 day right to review and accept higher fees. I also found out I do n't have a clear title and there are open permits that deal with final completion and occupancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I paid my federal student loan off in full on XX/XX/XXXX with a payment of {$26000.00} to Nelnet. I watched my account each day to wait for it to clear. Apparently interest was still accumulating during the bank processing fee. On XX/XX/XXXX the charge had posted to my bank account but not my Nelnet account, so it looked like I had paid nothing, yet I was still accumulating interest! After I called them the interest went down from about {$20.00} to {$9.00}. They are charging me {$9.00} for interest on my loan I paid in full after the XX/XX/XXXX date. I took to XXXX and social media being very angered, because this is one shady practice, it 's unethical and it 's deliberate. If I submitted to pay my loan off on XX/XX/XXXX I should not being paying for interest on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I understand why they are doing it, you XXXX XXXX XXXX kids over for an extra $ XXXX- {$10.00} you can make a lot of extra money. But it 's unethical and wrong. It 's not about the money, it 's a matter of principle. Essentially I paid the XXXX loan off and they came back five days later asking for XXXX bucks, down to {$9.00} for the interest during bank processing time AFTER I paid the loan. Let 's see what your agency does, or if your are in with the corruption and greed. Believe me I will make the results of this known.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently used Chase Quickpay to sell a pair of concert tickets I could no longer use. The buyer sent payment through Chase Quickpay, which I accepted. After the payment was accepted, I gave him the tickets. 
The next day I got an email that said the transaction had been cancelled. When I called Chase customer service I was told that everything looked fine on their end and that it would just take a couple days to process and that I should receive the funds by Tuesday. 
I logged in again on Monday and saw that the money had been reversed with the note that it was cancelled. I called customer service and was told there was nothing they could do and that I should n't have used Chase Quickpay for the transaction. Apparently the other party had cancelled the transaction from his end later that same day. 
As a long-time loyal Chase customer, I am very disappointed with this response. I have multiple accounts with Chase, including checkings, savings, investments, auto loan, and XXXX credit cards. I would never have used Chase Quickpay if I had known that it was possible to cancel a transaction that has been sent and accepted. I felt confident using Chase Quickpay because I had assumed that Chase would offer its loyal customers basic protection against fraudulent activities but I 've since been informed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I 'm XXXX today. I lost my job of 15 years back in XXXX due to a company downsize, and was thrown back into the workforce to try to start over. What a journey it has been. No one wants someone my age. So now I only work part time, with a loss of over {$1200.00} per month in income, and barely surviving. With all my bills, I do n't have the money to afford food any longer, and so I starve. My mortgage company is aware of my situation, and yet continues to charge me a late fee every month, because I am a little late in getting the payment in. And now they want to increase my monthly payment, Which I ca n't afford now, because they need a buffer on my escrow account. It 's a 30-yr fixed rate/payment, so how can they just change the payment to what ever they see fit. I think it 's time to simply walk away, and let them have their home back. It 's a hard pill to swallow at XXXX, but did my best.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XX/XX/XXXX, my business partner and I purchased a XXXX Jeep Wrangler Rubicon from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen XXXX, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen XXXX offers to purchase the XXXX Jeep Wrangler from Gentlemen XXXX and submits payment to Gentlemen XXXX in the form of a check, what type of check we do not know. Gentlemen XXXX then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. Check is returned as a bad check. The premature lien release from CHASE BANK allowed the XXXX gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX Jeep Wrangler. The premature lien release from CHASE BANK allows the XXXX gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have a mortgage with 1firstbankflorida for 10 years. XXXX each year I receive a review of my account In Febrary This year I received a notice dated XXXX/XXXX/2016 my escr escrow account was short {$570.00}. days later I received a notice that my escrow account was short {$430.00}. I phoned, spoke w/XXXX XXXX, and was told she would check into it but to pay the shortage ( created by a change in insurance company ) of of {$420.00} which I did. 
My next letter after check was received showed a shortage of {$280.00}. ( XXXX less {$420.00} balance should be {$12.00} ) ... and still another letter saying escrow was short {$290.00} which, if not paid by XXXX/XXXX/2016 would result in monthly mortgage payments of {$1200.00} rather than the XXXX projected. 
I was ( verbally ) told not to pay the {$290.00} by XXXX XXXX and now my records shows me owing that {$1200.00} rather than the {$1100.00}. My taxes were raised XXXX this year and insurance lower by {$100.00}. 
How can I owe this????? 
also one statement shows them paying {$810.00} for homeowners ( which was what my direct bill showed ) and their statement showed {$810.00} then {$89000.00} and the government XXXX shows they paid {$1000.00}, How can a bank have so many variations in their accounting? I do not trust their figures at this point and would like a government check on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
Under the laws of the Fair Debt Collection Practices Act ( FDCPA ), I have requested for Collection Consultants to validate the alleged debts being reported on my credit report with XXXX, and XXXX I sent them a written request dated XXXX XXXX, 2016 via certified mail, which the online return receipt shows it was received and signed for on XXXX XXXX, 2016. Collection Consultants has not only failed to reply to my request for validation within 30 days of them receiving this request, but have violated federal law and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

I made a second written request dated XXXX XXXX, 2016 via certified mail, which both online and hard copy return receipts show Collection Consultants received my letter on XXXX XXXX, 2016. I reminded them that their failure to reply to my original request for validation of the alleged debts being reported, nor providing viable evidence, is a clear violation of the FDCPA. As such, I requested for them to validate the alleged debts by providing viable evidence or have the alleged derogatory accounts deleted from my credit reports immediately. As of XXXX XXXX, 2016, Collection Consultants has failed to reply for my request for validation of the alleged debts they are reporting but also not provided any viable evidence to support their claim. 

Please note that Collection Consultants was originally reporting to the credit bureaus the following accounts as being derogatory prior to my request for validation.Since then, Collection Consultants has continually disregarded federal law but has taken the initiative to report XXXX more derogatory accounts to the credit bureaus without advising me in writing as law dictates. I am enclosing copies of my written requests, online confirmation return receipts, and credits reports to support my claims.

Company response to consumer: Closed with explanation