vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a cash-out refinance through JPMorgan Chase on XXXX/XXXX/XXXX. My conversation was always a cash-out refinance based on what I could do in relation to the Loan to Value. My credit was run and I was provided a loan estimate at 3.625 % interest with XXXX points and {$640.00} in Origination Charges and showing a rate lock until XXXX/XXXX/XXXX. I was told to provide documentation which I sent via their web portal which would not upload, so I faxed documents and finally mail delivery. The Loan Officer confirmed my loan was in underwriting. On XXXX/XXXX/XXXX I received a loan estimate in the mail at the same interest rate but 1.5 % points in Origination Charges plus the {$640.00} previously mentioned with a rate lock expiring on the same date XXXX/XXXX/XXXX. I also received a corresponding rate lock agreement but it did not match the Loan Estimate as it reflected a 3.625 % interest rate but only .5 % point Origination Charge. I asked to speak to a Manager as nothing adds up and this is not what we agreed upon but after emails and calls, I did not have a valid explanation. On XXXX/XXXX/XXXX, I receive another Loan Estimate showing my loan amount has been increased by approximately {$46000.00} in addition to the 1.5 % origination points still being charged. I contacted the Loan Officer after receiving this and she informs me I did not get my documentation in on time so they cancelled my rate lock and that is why 1.5 % points are being charged and I must sign the rate lock agreement or risk further rate adjustments. I signed it on XXXX/XXXX/XXXX not knowing what else to do. This is one month after I provided what was asked of me with their claim being they did not receive it in time which is a flat out lie to cover repeated missteps on their part. I received a call yesterday XXXX/XXXX/XXXX, stating that now there will be XXXX points charged on my loan because I am subject to worst case pricing, whatever that means, for which the Loan Officer could not explain and the Manager still will not return my calls to explain why. She should not be licensed if she can not explain this to the consumer. I have yet to receive the Loan Estimate for this change. JPMorgan Chase and their representatives have had the scenario ; my financials and my credit score for almost 2 months plus the appraisal came in {$75000.00} higher than where we anticipated it so they can not claim the Loan to Value was higher so the fees changed. I feel clearly this is the type of banking behavior that Dodd-Frank was supposed to protect consumers against and that this is complete misrepresentation and bait and switch tactics so this is the purpose of this complaint. Thank you for looking into this matter. The Loan Officer is XXXX XXXX XXXX XXXX and the Manger XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC
State: NC

Complaint narrative:
MarkOne Financial company continues to report inaccurate information on my credit report. They are reporting a repossession but after several attempts MarkOne Financial have failed to show me any written documentation of a signed agreement/contract with my signature, right to collect in my state, and documentation of balances and how they were calculated. I have been a victim of fraud and have expressed this to them several times in writing and they are still refusing to remove this inaccurate account from my credit report. This is my last step before I have to move forward with litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: NY

Complaint narrative:
My servicer Nelnet is taking any loan payment I make in excess of monthly accrued interest and applying it to the principal of the loan with the lowest interest rate ( lender friendly result ). I asked them to change this and they said I can not since I 'm on an IBR plan. This seems predatory to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.

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

Complaint narrative:
I previously filed complaints [ Case number : XXXX ] and [ Case number : XXXX ] concerning receiving statements from JPMorgan Chase & Co that are not mine. Today I received a letter from XXXX XXXX Officer Global Compliance Operations JPMorgan Chase & Co stating the issue was resolved. Coincidentally I also received an additional statement that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear CFPB : Could you get straight answers to the following questions from Chase? 
( 1 ) As of XXXX/XXXX/2015, our mortgage was current, and the mortgage balance was {$350000.00} on Chase 's book as {$350000.00} on our book. Chase claims that we are default because we did not make payments since XXXX/XXXX/2015. Explain the discrepancy and contradiction. 
( 2 ) Chase claims that they are foreclosing us according to the NOTE. 
Could you ask Chase to cite a sentence ( or sentences ) in the NOTE that is relevant to, justifies, or supports what they are doing? XXXX of our lawyers read the NOTE, but found nothing relevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase Bank, Chase Home Finance LLC and XXXX XXXX XXXX, XXXX. ( Attorney for Creditor ) Filed False Claims XXXX XXXX XXXX. XXXX ( XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX and the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois. In the United States XXXX XXXX XXXX XXXX of Illinois XXXX XXXX XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX, mailed a notice of a Motion to Modify the Automatic Stay on XXXX XXXX, XXXX, and XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX obtained an Order Modifying Stay on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, filed a sale pursuant to Judgement of Foreclosure in the XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois on XXXX XXXX, XXXX. 

While under Chapter XXXX Bankruptcy Protection, Chase Home Finance , LLC and its successors and assigns and XXXX made false claims that they were the " Creditor '' servicing the first mortgage lien and obtained an " Order Modifying Stay '' on XXXX XXXX, XXXX by XXXX attorney, XXXX XXXX XXXX, XXXX # XXXX. 
JPMorgan Chase & Co., JPMorgan Chase Bank , N.A . letter dated XXXX XXXX, XXXX stated that XXXX XXXX XXXX was the Servicer at the time JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim. 
After JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim in the United States XXXX Illinois XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, proceeded to file a sale pursuant to Judgement of Foreclosure on XXXX XXXX, XXXX in the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois with a sale or auction by the XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX. 

JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX claim in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX was factually untrue at the time the claim was made. 

XXXX. False Claims -- XXXX XXXX XXXX XXXX XXXX ) Subsection ( XXXX ) of Section XXXX sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is XXXX that is known by the creditor to be factually untrue at the time the claim is filed. 

Subsection ( XXXX ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title XXXX, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 

To date the bank has reimbursement approximately {$9500.00}. 

The bank refuses to reimburse the balance of the money taken, which is {$2500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX billed us $ XXXX/month for unauthorized Internet access. [ We thought our son on the West Coast had ordered service. ] When we requested by phone and email an explanation from XXXX, they apologized, soothed, evaded, and finally stonewalled us. 
We then learned from Senate subcommittee testimony that XXXX had bought information from other companies, then submitted unauthorized charged to credit card companies, in this case Chase Credit Card Services 's Visa. 
We also learned from the same hearings that Chase routinely violated its own internal policies by posting unauthorized charges from third parties. And that XXXX topped their list of third companies with the most disputed charges. 
When president of Chase Visa in XXXX, DE was contacted by mail, he through a subordinate dismissed every complaint. 
Chase not only continued to bill the disputed charges, but reneged on a refund of our recently renewed membership fee, and despite 15 years of on time payments never cleared our resulting " delinquency '' with credit reporting agencies. 
As our claim was XXXX ; {$1000.00} and the Visa balance, " late fees, and penalties '' totaled XXXX ; {$300.00}, Chase knew no lawyer would take our case. Multiplied thousands of times, such actions generated millions of dollars for XXXX and Chase. They also boosted stock prices and executive bonuses. 
In effect both XXXX and Chase Visa simply stole money, because they knew they could. Electronic muggings by the Too Big to Fail. Or prosecute. 
Moral of the story : Scrutinize every charge from every account every month, then question unrecognized ones immediately. And vote out politicians who let XXXX XXXX write the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XXXX and XXXX. Chase sold XXXX of my credit card debts to XXXX and XXXX Attorney at law XXXX, XXXX on XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on the XXXX of XXXX XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A month ago I was looking to go back to work. I was emailed by a " foreign company '' asking me to fill out an employment application online because they wanted to hire me for a purchasing position. I filled out the application and the next day they said they wanted to hire me and have me start right away, however, they needed time to issue me a company credit card and so wanted me to use my credit cards to begin purchasing products and sending them to their customers. They would give me account information which would allow me to transfer money onto my credit cards and after the money had posted they wanted me to purchase items and send them to clients. After about XXXX weeks I started noticing that the wire transfers that I had made were being sent back to the banks and the reason given was, " no authorization '' for transfers. I did n't even know the credit cards companies could send the money back without talking to me first so I immediately went to both credit cards and asked them to shut down the accounts and not send any of the transfers back because these people had the merchandise that I purchased for them. Over and over all the credit card companies would tell me is that they had never heard of anything like this and after XXXX hours on the phone, and multiple insults with XXXX credit card company they did finally copitulate and shut down the account so that no further funds could be sent back, however, the other credit card company would not do anything to help me no matter who I spoke with. I did file a report with my local law enforcement agency and the FBI but that did n't matter to the credit card company. I now have to payback a healthy amount to that credit card company and I am not getting any direction from local law enforcement or the FBI so I do n't know how long I can keep the other credit card company from unlocking my account and sending the funds back to the scammers. The other credit card company who sent all the funds back wo n't see this as a scam ( because they have never heard of a situation like this ) and on top of the many insults I have had to endure from them, I will have no choice but to pay the money back and will not be able to utilize my credit card while I am doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX

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