vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My husband and I have owned a rental property for over twelve+ years. The mortgage was an ARM and the amount went up over the years that we had to pay monthly. The other expenses of the house also increased quite a bit, to the point where we were no longer able to pay the mortgage. Over the years we spent all of our savings trying to pay the mortgage thinking it would work out but it did not. We had to default about a year ago ( XXXX 2014 ) and applied for a loan modification. We were denied the loan modification because the lender ( Chase ) refused to consider the rental income from the property for no apparent reason. All they will say is that this is their " guideline. '' Also they insist on imposing a XXXX % " vacancy rate '' on other rental income we receive on other properties, when we have never had a vacancy rate anywhere close to that. This results in our income appearing to be vastly lower than it really is. We have now applied twice for a loan modification and were denied a second time for the same reason. Chase will give no explanation as to their reasoning. They seem to be determined not to give us a loan modification. They make up their own rules to suit their desired outcome. We are not asking for any debt forgiveness, just a lower mortgage payment. We have no idea why it would be so hard to give a loan modification. It would seem preferable to a foreclosure or short sale for them, but perhaps they have some hidden reason why they want our house. They are completely unreasonable and have been very difficult to deal with. They call us constantly, harassing us, when we were actually waiting on their decision. I take their calls and talk to them and it is always a different person who has no idea of the specifics of the situation, they are just calling to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a XXXX who signed up for a XXXX for XXXX credit hours. I paid cash ( {$100.00} ) for the tuition and thought nothing of it. 
A few days ago Navient, which serviced a loan I got in 2010 ( {$20000.00} ), emailed me and said my loan was deferred because I am now a student at the College of XXXX. I am not a student but an XXXX taking a once-weekly course at the local middle school! I never asked Navient for any assistance in paying an {$100.00} tuition! 
I am only two years from paying off my original Navient loan. I called them to cancel the deferment so my payment would continue. When I logged onto my account later I realized they had extended my loan for another year and added a {$1000.00} increase to the balance! There is no reason for Navient to change and extend my loan when I never asked or used their assistance on a simple {$100.00} tuition! 
I took all of my savings and paid the remainder of the loan 3 years early because I am afraid they are overcharging me severely. I feel that my balance payment has been inflated and would like a refund for the overage I was charged in this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hi I received an XXXX Credit Card from Chase of {$7000.00} limit on XXXX XXXX, 2016. The problem is that this was unsolicited and I never applied for this card. My wife had also received a similar XXXX Credit Card a few weeks before. I have already intimated Chase - and asked for the card to be cancelled. I 'm more worried about the remarks on my Credit Report with a hard check on my credit. 

I feel that this is similar to the XXXX XXXX case of cross-sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase has failed to refund my money, to appropriately investigate claims and have charged me exuberant fees. I 'd like my money back. See the communications below. In addition, they have placed me on extensive holds, drop calls, etc ... This ordeal has been going on for over 6 months. In addition, XXXX is at fault they have been systematically double billing subscription fees and when you attempt to recover they state that they can only go back a month. In addition, it appears that they are scheming on data usage as well. There is no way for the consumer to know whether they are actually getting the amount of data purported. 


XXXX/XXXX/XXXX This letter was faxed to your department twice regarding Chase 's failure to appropriately process this claim, investigate and refund my money reference current claim no. XXXX I would like my funds and associated fees deposited into my account without further delay or I will begin the process of reporting these matters to the Consumer Financial Protection Agency. 

XXXX XXXX XXXX XXXX/XXXX/XXXX Attention : Chase Customer Claims I spoke with XXXX XXXX and they stated that the bank should credit me back for the over charges and to contact the bank again. XXXX XXXX has been double billing my account and there are XXXX additional double billings in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX each that you denied. These charges are not authorized. There is an additional {$350.00} in overdraft fees that has not been credited to my account as promised. The claim for {$75.00} filed for XXXX/XXXX/XXXX has not been processed. I would like these funds credit to my account totaling {$620.00} today XXXX/XXXX/XXXX without any further delay. 

Thank you, XXXX XXXX XXXX Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I built a house in XXXX when the house was finshed I received a mortgage with XXXX XXXX Bank which sold my loan to Washington Mutual. Which filed for bankruptcy I 'm not sure of the date of the bankruptcy filing but at XXXX/XXXX/XXXX my balance on my mortgage was XXXX. Not sure of the date but Washington Mutual was ether sold or given to Chase on XXXX/XXXX/XXXX the balance on our mortgage was XXXX do n't know the exact dates we have been told are home is going to be forclosed on sold on the steps of the steps of the court house for not paying are taxe 's all the time we had over {$12000.00} in our escrow account.On appox. XXXX XXXX Chase sold our mortgage to XXXX with a balance of XXXX on XXXX/XXXX/XXXX they gave us a loan modification 4.25 % for 40 years I would be XXXX and my wife would be XXXX XXXX XXXX. We went to our local bank were we have been banking for over 20 years were given a very good loan at 5.5 % for 15 years XXXX said our payoff on our mortgage was XXXX. I been paying on this loan for 20 years and owe more on it then when I frist took it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.

Company response to consumer: Closed
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed