vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX our now bankrupt lender XXXX paid our escrow shortgage and foreclosed, which we modified with them. In XXXX chase assumed the loan when our lender seized operations, Chase immediately started sending our modification payments back & restarted a foreclose. The primary borrower filed a chapter XXXX to stop a sheriff sale. Which we then agreed to try to sell the home to buy time which Chase then agreed in XXXX to modify our loan. Our issue now is the loan fell off both mine and the primary borrowers credit due to the 7 year delinquent payment rule. In XXXX of XXXX chase decided to re list the mortgage on my credit only which shows a balance higher then I owe and showing the last payment received as of XXXX. my issue is I disputed this asking that Chase report the correct balance and the last 18 months payment history, in my now fifth dispute it has not changed Chase stating the information is correct well today Chase told me in a letter it is up to the credit reporting agencies on what they surpress and they ( Chase XXXX has done all they can do to report it due to BK protection laws and that they can not report any information on the loan once a borrower files a chapter XXXX. This is my issue if they can " not '' report due to the chapter XXXX filing then how can they put a 7 year old debt back on my credit and report a single payment for one month in XXXX then record a higher balance and add XXXX payments past due " IF '' they can not update info once XXXX of the borrowers files in my case the primary borrower filed a chapter XXXX in XXXX thus, Chase just reported incorrect info 6 years after the BK and refuses to remove the incorrect info or the debt that went late and stayed late since XXXX till modified in XXXX. I need help understanding how they can say we can not report your good payments under the modification nor can we report the correct balance you owe due to the XXXX chapter XXXX but we will report the loan as modified a high balance then you owe and one months payment so the 7 year clock starts again and this ends up on your credit for another 7 years since we report it as an open account. this seems like a bit of a double standard what they are doing. So again I ask for help understanding the protection laws for myself, if they can not report my good account then why can they update a bad account after one files chapter XXXX. Thank you in advance for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
My Bank in which I and my XXXX Vet Son have been customers for years have had some issues with the new way of cashing checks by ATM Or by Photo Banking! This is CHASE Bank of XXXX, UT. I have had my Government XXXX Direct Deposit kept by them, because of a favor I thought I did for a neighbor? But his check was cashed under my account! And then the Bank took over a week or so and sent me a letter stating my Accounts and Son was closed for a fraudulent check, in which was n't written in my name? And a time before a lady who wrote a Rent Deposit Check was put into the wrong account so I transferred it from his into mine, but after they cashed it, they charged him {$650.00} but I 'm sure I had enough of personal money to cover it but it too bounced as a closed account! Yet the customer service say we have no rights? Then why would I allow this bank to keep my XXXX checks? I am totally behind in my bills and ca n't feed my children or clothe them for school! My XXXX is partially mental illness and this branch manager has not worked anything out to help us recover our losses! Please help! 
Sincerely, XXXX XXXX & XXXX XXXX. 
XXXXXXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2014 someone forge my name for {$10000.00} on a check from a Chase Credit Card. This person deposited the check into her account at the bank she works at XXXX XXXX Bank, XXXX XXXX, FL ). I did not know about this until XX/XX/XXXX when I was hit with a Balance Transfer Fee by Chase Bank. Filed a Fraud complaint with Chase Bank and they stated that this is NOT Fraud. Chase Bank refunded me the Balance Transfer Fee and later recharge me. Both Banks Chase and XXXX refused to acknowledge that this was Fraud. This is Fraud under United States XXXX XXXX XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for refinance with my current mortgage holder Chase Mortgage in XXXX, Texas. Locked in rate for 90 days in XX/XX/XXXX. I was notified the day the rate lock expired, XX/XX/XXXX, that the title company was unable to secure records showing a secure and clear lien on my home and that supposedly the title company could not provide an estimated time to secure these records so Chase Mortgage decided to let the rate expire. My wife within 2 hours of searching the internet found all the required documentation in the local county 's office website and on a federal website and she has no formal training or background on how to perform these type title searches so surely a title company and Chase should have been able to find it in 90 days. Additionally, there is provision in the law that allows the current lien holder, Chase Mortgage, to execute an affidavit to secure the lien which takes less than 30 days and Chase Mortgage chose not to perform this task as well thereby choosing to allow the loan rate to expire. Additionally, Chase Mortgage was the current holder or the lien and had secured a previous title policy securing the lien in XX/XX/XXXX so Chase knew the records existed and should have had clear record of this information since they were the current lien holder. Now, Chase mortgage is refusing to honor the original refinance rate, refusing to reimburse my earnest money, refusing to reimburse my appraisal fees, and not returning my calls or emails. I have secured all the proof that Chase and the Title company had access to this information but failed to secure it so they could let the rate expire and keep my at my current rate. I am requesting that Chase honor the existing refinance rate of XXXX and finish my refinance per the original contract agreement. My Chase contacts are XXXX | XXXX | NMLS ID XXXX | Mortgage Banking | Chase | XXXX, TX XXXX | Office : XXXX | Fax : XXXX | XXXX XXXX |XXXX | NMLS ID XXXX XXXX Mortgage Banking | Chase | Office : XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.

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

Complaint narrative:
: ( Property Address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBalance : $ XXXXAccount : XXXX Min # XXXX ( Inactive! On MERSWHY IS my mortgage STATEMENT SHOWING I OWE over {$69000.00} in interest because the CHASE BANK refuse to take any my payments? Is this Usury and is this illegal over demand an amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 'm trying to utilize the law that states I can request my payments to be allocated to my upcoming ( 0 % 12 month interest free ) balance transfer due date ( 2 months prior to due date ) so I do n't incur interest but Chase is stating they do n't have to do that. They still put it, along with the regular purchase balance due payment they require, to my regular purchases then toward the 0 % balance transfer. They sent me letters stating they are within the law. Can you help me? XXXX followed the 2 month prior rule so I assumed Chase did too, they have caused me large amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MO

Complaint narrative:
My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
The people at Premium Asset Recovery are haraasing me about a debt my husband had prior to me meeting him. They 've called and threatened to contact my employer and insulted me, saying I should pay my bills every once in a while. This was something prior to our marriage that I was n't even aware of. In fact, this debt they 're saying he has is from XXXX years ago, before I even turned XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: CO

Complaint narrative:
When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone in XXXX apparently contacted XXXX and used my credit card number to subscribe. I do not know how they got the number because the card was not out of my possession. 
Chase Bank contacted me via computer telephone message telling me that I owed about {$60.00} or some such amount. I then followed prompts to speak with someone at the bank. I told them I knew nothing about why I would have any balance because I had not used the card for years. They had also tacked on late charges -- since I never received a bill of course I had not idea that any money was owed. I contacted XXXX after being told that the charge for XXXX. They told me that someone in XXXX had given the number. They asked me if I knew anybody in XXXX. Never been there and never known anybody from XXXX. 
Finally at one point Chase admitted the charge was fraudulent but they had not removed the late charges for the unpaid bill, a bill I had never received and had no way of knowing that someone in XXXX had used the number. 
A couple more phone calls to Chase did not resolve the number. The last time I was switched to XXXX different people becuase nobody could remove the late fees on the fraudulent charge. I have spent several phone calls and many minutes, all because Chase is not willing to remove charges, even after they admit them to be illegitimate,. This organization is unlike XXXX XXXX or XXXX XXXX XXXX in dealing with fraud issues. Never have I been treated so shabbily because some merchant accepted my credit card number for a fraudulent charge. IThis company does not deserve my business but I have heard that closing an account such as this will lower my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I transferred XXXX USD through JPM CHASE on XXXX XXXX to my personal savings account but the money isnt transferred and the status of the wire shows Successful.I am sending money through JPM CHASE for the last 3 years and never had any problem ... this is the first time i am facing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am a non customer of this financial institution. I was attempting to make a deposit on my daughters ' behalf ( who is a Chase account holder ) into her account. I was at the XXXX XXXX XXXX XXXX location in XXXX XXXX, La. The incident occurred on XXXX/XXXX/16 @ XXXX. I pulled into a drive-up lane, requested a checking deposit slip, completed it and placed cash money into carrier back to teller. She asked if I had an account, I stated no I did not, that I wished to deposit into my daughters ' acct. She rudely stated, '' you ca n't do this, you must be the account holder! '' She never took the time to explain your bank 's policies on accepting cash from non customers. She is a very poor representation of your institution and certainly warrants training in customer service. I have never had an account with this bank, and certainly after this unpleasant interaction I have grave reservations in obtaining one. I informed my daughter of this incident and she as well is contemplating changing to another financial institution. I then gathered my monies from the carrier, and upon looking up at the tellers ' window, I noted she and another co-worker were standing and both staring at me talking amongst themselves. there were no other customers in teller lanes. How rude can this be?? I left quite upset, I drove to another branch in XXXX. This Chase location was much friendlier ( XXXX XXXX ). I asked teller would I be able to deposit into my daughters ' account and she stated I would only with a check. I proceeded with the transaction and left satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: NM

Complaint narrative:
THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: MI

Complaint narrative:
My loan went to default because I could not afford the payment so I negotiated a smaller payment when it was rehabbed and I went back to it being serviced they told me my old payments were restored and that I could GE forbearance for a year. Six months later now they are saying I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I ordered a XXXX set from Ohio XXXX XXXX. This co. then told me they could NOT ship it without a prescription and to order the mask components as XXXX separate items. So I cancelled the order and placed another order for the XXXX separate items. I got XXXX XXXX set but XXXX bills for the full amount of the mask set. I disputed the bill with Chase who issued my Amazon Credit Card. BUT Chase sent me a dispute form for signature AFTER the close date to return the form!! This of course made it impossible to dispute the charge, but I sent it in anyway and complained. Chase did nothing to help but rebilled the charge to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federated Law Group
State: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX , XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX , XXXX, FEDERATED LAW GROUP, PLLC has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES DISTRICT COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, FEDERATED LAW GROUP, this is aiding and abetting fraud on the Consumer who is a natural person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase Bank purchased my mortgage from XXXX XXXX. My mortgage contract does not block or prohibit making partial payments. Chase Bank is not properly crediting my account with partial payments and those payments are sitting in an unapplied fund status in excess of my monthly balance due. Chase Bank is harassing me with past due phone calls even though the sum of my payments are currently in excess of the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.

Company response to consumer: Closed with explanation