vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XX/XX/XXXX, Chase approved me for a Trial Payment Plan ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

At page XXXX, paragraph XXXX of the Trial Payment Plan, it explicitly states that once the modification is complete, " Chase will report the modification to the credit bureaus as modified under a federal government plan or loan modified based on the modification type and will report my loan as current if payments are received within 0 to 29 days of the due date ''. I complied with the terms of Chase 's Trial Payment Plan, and Chase did not report to the credit bureaus. 

XX/XX/XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

Chase 's Agreements contain various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to both parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to not comply with the terms of the Agreement regarding reporting the modified loan to each credit bureau. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer and breach the terms of its Agreements. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the Trial Payment Plan and Modification Agreement. These payments are from XX/XX/XXXX going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XXXX XXXX, 2009, a large home, worth about XXXX burned down mysteriously at night. It is in our neighborhood, which has a lot of nice homes. It has been nearly 7 years now, and nothing has happened to tear down or rebuild the home, which is a mess and eye-sore to the community. Why am I writing this : I have been working this case for years now. CHASE Bank seems to be either the owner or the owner of the mortgage. The problem with that, is Chase " hides '' like a child behind laws that are on the books - to NOT tell anyone anything! Hence, XXXX of people here in the community have inquired of Chase about the property, to possibly buy & restore, to tear down the remaining poor structure, etc., but Chase says that they can not tell us anything as we are not the owners. Chase has previously also inferred that they were not the owner, but that the person who built the home, is the proper owner. Whenever we contact him, he adamantly says he is not the owner, but to contact Chase. Wow, what a run-a-round!!! I 've tried to contact JP Morgan Chase 's CEO XXXX XXXX, but that seems to also fall on deaf ears. I 've complained, through this site a couple years ago, once before, and insufficient results only were obtained. So, I 'm DOING so again! Chase owes the public an explanation, so we can then clear up our neighborhood to not appear like a trash bin!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a loan with Chase. The loan lender advised that my down payment is good and the close can be done in two ( 2 ) months at max. I locked the loan for two months ended on XXXX/XXXX/15. Many delays occurred by the bank, attorneys and title company. The bank contributed in this delays. I should be closing on XXXX XXXX, 2015. However, I received a call from the bank stating that I should pay {$3100.00} for loan extension although I responded to all there request within a day or tow. The chase underwriter and loan officer keep asking for information piece by piece and delaying the process although I keep asking please let me know if anything is needed. Chase completed the file on XXXX/XXXX/15 with a mistake from the title company that the taxes is approximately {$19000.00}. correct taxes should be XXXX. I have pointed this mistake to the loan officer. This mistake cause further delay that would be avoided if the underwriter & loan officer paid attention and compare with initial payment estimation. 
In summary this delays occurred due to : Lack of communication between the bank and the attorneys of record. 
The bank attorney has not request all info properly, as per the realtor and seller attorney. 
Many delays because of the bank was waiting for the contract to be initialed by the seller. 
The bank underwriter and loan assistant keep asking for supporting document piece by piece every week which delayed the process. I have provided all documents within a day or two at max. 
The title company delayed the title report and provided the report with mistakes that cause further delayed of the process. 
Lack of communications between bank, attorneys, & title company. 
Not responding on time to schedule for the close-out day although I expressed that I will free myself any day and anytime. 
I strongly believe that the bank contributed to some of the delay and should be responsible and waive such fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I started a contract with Westlake Financial Services on XXXX/XXXX/2013. Since then they have made my life so hard. I decided to buy a car to build credit but little did I know I was making the worst decision to finance with them. They have not reported or even tried to pull my credit report since then. I 'm constantly on the phone with them sending them whatever they need, copies of my ID my social security card everything but they do n't seem to care about it. Everytime I call them I speak to a supervisor to see what 's really wrong but all they tell me is We ca n't disclose information to you. That 's ridiculous, I pay XXXX dollars a month for what? For them to tell me I 'm not the account holder. I 'm so frustrated with this company all they do is lie and hang up on me because they do n't want to help me. I have contacted the credit bureaus to see if anything is wrong on my credit report but they tell me everything is fine. XXXX even contacted them and tried to get them to report but they also got hung up on. I 'm running out of options. I honestly just want to stop paying the car. I have no use for it if I 'm not getting credit. I just received XXXX letters from Westlake Financial Services and there is XXXX different names on them. How is that? They are the worst company I have ever been in contact with. They even told me themselves to give up, that there 's nothing I can do about it. Please help me I have payed more than half for the car already. I really think I deserve to get some type of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have tried several times to repay these loans but we can not reach a fair payment that the lender will agree on. I have XXXX small children and can not afford a $ XXXX/monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
We were charged {$64.00} in overdraft fees for transactions that occurred on the same day. One transaction was for {$7.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought an LG dishwasher at Best Buy with my Chase Business Ink MasterCard. About 1 month later, it was on sale at Best Buy for {$130.00} less than what I paid. One of my card benefits is Price Protection. I filed a claim for the {$130.00} but it was denied because they say a dishwasher is real estate so it is excluded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I 'd like Chase Bank to issue a letter of explanation about a forged check on my account. It 's almost comical, but I do need the letter so i can complete the refinance of my mortgage. 
In a nutshell : Someone going by the name XXXX forged a check on my account. I alerted Chase and a day later Chase closed my account, and opened a new account in my name. 
While Chase apparently automatically forwarded other autopay orders to my new bank account, somehow the autopay for my Chase credit card - and only my Chase credit card - was not forwarded, and I missed two payments. Chase 's credit card division then reported my delinquency unleashing a cascading chain of events, as my credit rating momentarily plummeted and XXXX is now holding up my mortgage refinance until i can supply a letter of explanation from Chase. 
Chase refuses, of course to admit they goofed, and refuses even to issue a letter explaining the events that led to the late credit card payments. Meanwhile, my credit score has recovered but XXXX 's mortgage division insists on a letter of explanation from Chase before they will allow me to complete my refinancing. 

I am attaching copies of relevant correspondence. 

Please ask Chase to issue a brief letter of explanation, noting that a forged check forced the closure of my account and an oversight led to two missed credit card payments. My Chase account has a balance in excess of {$110000.00}, and the credit card bill was in the hundreds. 

Many thanks - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank continually back dates ACH transactions so that they can charge me overdraft fees. I make payments to come out the day that I get paid and they always backdate the payment to the day before I get paid. They then charge me {$34.00} for each overdraft fee. They also continually put larger transactions through before smaller transactions so if I do get an overdraft that they can charge me {$34.00} for each transaction evenn if its only {$5.00}. These are predatory practices. I have been suffering severe medical issues lately and they have also taken away my ability to make mobile deposits on my checking account. It is dificult for me to get to the bank to make a deposit there. I believe this is another attempt for them to maximize their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I just returned from almost 2 weeks ' travel in XXXX. The practice is now common for handheld POS devices accepting XXXX ( U.S. ) credit cards to offer to charge the card in XXXX dollars or local currency. But the terms state a usurious exchange rate for the consumer who chooses U.S. dollars. Also, the ability to decline the exchange and use local currency is often not clear from the instructions : either the instructions confuse " decline '' the exchange rate with " decline '' the transaction, or they ask for multiple ambiguous verifications before allowing the consumer to decline the exchange rate. That said, the worst problem is this : The merchants often maintain physical hold of the POS device, even out of sight of the consumer, as at a restaurant, and the merchant ( unwittingly ) accepts the usurious exchange rate on the consumer 's behalf, thinking he or she is doing the customer a favor by employing the customer 's home currency. This practice on the part of the banks is abhorrent and allows them to reintroduce hidden foreign transaction fees through the back door. When the merchant consents to the usurious exchange rate, that is not my consent, but I have no ability to combat it. I have receipts from this trip to demonstrate money lost because of non-consensual currency exchanges. But I have no recourse against my own credit card bank, because it is not responsible for the device software. I have no recourse against the credit service provider ( e.g., XXXX ), because I am not in privity with the provider. Only CFPB action can put an end to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I went to the Chase bank located at XXXX XXXX XXXX to make a withdrawal for {$3000.00}. While I was in line for a teller, a bank representative suggested I use one of the new ATM machines they had recently installed since they had higher withdrawal limits that the usual ATMS and it would be quicker than waiting for a teller. 

I went to the ATM and selected my withdrawal amount ( {$3000.00} ). My account was debited for {$3000.00} but the ATM only provided {$1600.00}. A banker from the branch named XXXX XXXX tried to help on the spot. While I was still at the branch he submitted an inquiry for the pending {$1400.00} and once he got off the phone, promised me that the money would be returned to my account early the next day. He suggested I make the withdrawal again since it would be replaced swiftly anyways but I did n't want to risk another {$1400.00} to the bank. 

Two weeks later on XXXX XXXX, I still had n't received the funds and my emails to XXXX were not answered. When I called the customer claims department they told me the inquiry had been closed without explanation. I opened another claim and received a letter on XXXX XXXX, 2016 saying that claim had been declined because it had been filed incorrectly. I opened another claim and received a letter on XXXX XXXX saying claim had been declined because they did n't find issues with the ATM. It has now been 2 months since J.P. Morgan 's ATM took {$1400.00} of my money and 3 different attempts at getting it resolved. 

This new branch ATM is faulty, took my money and Chase has not returned money. Chase claims department has performed a sub-standard job by making me file the same claim multiple times. Chase claims department should consider statements from their own branch banker- XXXX XXXX as evidence of what happened. I have exhausted all options to get this resolved within the bank so hope that you can help me get Chase return the {$1400.00} they have taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I contacted Southwest Chase by phone on XX/XX/XXXX, and requested to pay off the highest interest balance ( cash advance ) XXXX. Cash Advance Balance is {$3200.00} and 19.24 % APR. They refused to apply it to the highest interest balance. I paid {$1200.00} online. According to the Credit Card Law of XX/XX/XXXX, regarding " Higher interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates XXXX. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances XXXX -- thus extending the time it takes to pay off higher-interest rate balances. '' My minimum payment due was {$280.00}. My total balance was {$14000.00} on the XXXX billing statement.

Company response to consumer: Closed with monetary relief