vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I charged for XXXX XXXX despite insufficient funds and Chase accepted the transaction only to gauge me with {$68.00} in overdraft fees. So again Chase has overdrafted me despite my opting out ( this is now like the XXXX and XXXX time ) of overdraft coverage. Now, this time is a little different because it says in the overdraft fee that the XXXX charges were repeating charges, but this ca n't be the end of the story because XXXX checks every card it uses to authorize it when it uses it. It 's simply a slippery way for Chase to make an obscene amount of money off of a broke college student, again ... Of course they always check- that 's how the transaction gets processed. They have to because the charge is variable, just like a XXXX purchase ; it is NOT a uniform repeating charge, and Chase 's advertising is both slippery and false, and difficult to understand for the average consumer in this context. I do n't have the means to pay the extra charges, and the XXXX should 've been denied- I would 've just used my other card ( XXXX ) had I known that! I Needless to say I will be using another bank after this issue gets resolved, or a credit union. 

AND I understand that XXXX charges are variable and that makes the whole thing more complicated, but it turns out I had well UNDER the MINIMUM XXXX charge in my account, and so the transaction should 've been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have an account with chase that has been at 29.99 % since they took over my account in 2007. Every Time I call they just tell me that 29.99 % is the best rate they have to offer. I do n't understand how that can be true if 29.99 % is their default rate. I been trying to work with them they say they will review my accounts in 6 months. six months passes and its the same thing, I get no results and just the run around from them. I need some one to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I recently XXXX from an XXXX program with various loans managed by Navient. Things were bad from the onset remain unresolved. Navient released falsified documents and mailings blatantly lying to me about the start date for my loan repayment. All materials ( which was later confirmed by their " Department of Customer Advocacy '' after I called to complain ) stated that XXXX 2016 was the first month of repayment period, when it was XX/XX/XXXX. Accordingly, I was penalized and of my initial mandatory payment, XXXX % went to the additional interest that accrued - or Navient 's bottom line. I only found this out by meticulously analyzing each loan, payment and recalculating all numbers. In addition, I discovered that this is a relatively well-known, common practice within the firm. A Navient customer service representative confirmed this nefarious tactic during my initial phone call ( that was recorded ). The Navient representative stated that this intentional misinformation is part of their automatic billing and communication system and that he did not personally agree with the firm 's practice. Essentially, they have charged potentially every person with a student loan an additional month of accrued interest over a vast period of time. I had the money available ( and I currently pay well over double my mandatory payments ), but due to purposefully erroneous information I and tens and perhaps XXXX individuals have been cheated for investing in themselves, for getting an education and simply doing what is right. Navient, has not followed up on my complaint as they said they would. I was never given a case number, a call back or even respect during the phone calls. When I called to follow up the company sent me to XXXX additional customer reps that simply asked why I was calling and forwarded me to one wrong department after another ... until they finally forwarded my call to a voicemail box. Since we have no choice which firm handles our loans or form where they originate there is little this message can do to help. If you do have Navienvt, however, be very careful, they should not be trusted - which is incredibly sad for students and our financial institutions as a whole. Unfortunately, there is not a select all option for what is " my issue '' as this clearly qualifies as " trouble with how payments are handled '', " Do n't agree with the fees charged '', " Received bad information about my loan '', and " Having problems with customer service ''. I will simply select one option with the assumption that there are several issues at hand here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: GA

Complaint narrative:
I have reported numerous times that my payment history is not reported correctly on my credit reports. Nelnet has refused to acknowledge they are not reporting according to the Fair Credit Reporting Act of these facts after numerous letters. Nelnet is reporting a 90 day payment on my account but how can there be a 90 day and the previous months states PAID AS AGREED? They sent me a copy of a payment history that is not reflective of this being accurate either. I have requested this false 90 day be removed. I believe Nelnet is using deceptive debt collection practices with there accounting and reporting of my pay history

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We were part of the predatory loans in 2007 with Country Wide. We are now with BOA. My friend and I purchased the home and she moved out due to a marriage and what we thought was an impending foreclosure with a mortgage of XXXX. We were XXXX single moms trying to co-parent XXXX kids. I got behind but was determined to keep the house since I had invested my entire life savings of XXXX. BOA agreed to do a loan modification instructing us that if my friend signed a Quit Claim they would remove her name and lower the payement to XXXX. Now the payement is affordable but they tacked on the late fees, past due and additional charges and I owe XXXX ( I had only owed XXXX ). They refuse to remove my friends name and she can not buy or rent anywhere. We were told they would remove her name at loan modification and then at an assumption ( which I did not qualify for ). Second issue : I have had at least 15 Customer Service Rep. each one telling me something different related to payments, etc. Third issues : I can never get in touch with an automated attendant to make a payment. I get paid at the end of the month so I try and pay on XXXX. I can not get a CSR or auto pay. Therefore I started trying to pay online. Twice I was on BOA website for three hours or more ( I have snapshots and documentation ) trying to make a payment without success due to the site would not work and even once for two days a Friday and a Sat. causing the payment to post after the first. Again I have more than XXXX pages of documents, emails etc showing I have tried to call and corresponding with BOA. 
When I look online several other BOA consumers are still having issues. I feel we should have been forgiven principal as well as opposed to all of this tacked on the end and now can not even sell the home. I have hung on for dear life for nine years to avoid foreclosure as a single mom through the crash in good faith doing the right thing and I think BOA should as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
When my loan was switched over to Navient i was never told that i had a deliquint balance because with XXXX i did not. When going to purchase a vehicle i discovered my credit score had been dropped from the XXXX into the XXXX. I have been faithful at paying my student loan. I was told that Navient was the company i had delinquency with. I contacted Navient to resolve this issue you and kept being told to just contact the credit bureaus and expalin the situation and maybe they could help me. I was so angry that i just hurried and paid the balance off and then after tried to dispute the delinquency with the credit bureaus. I have had so much trouble bringing my credit score back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have filed claim number XXXX on or about XX/XX/2016 never receiving email containing claim number, details and or affidavit. Requesting refunds of Charges to XXXX for deceptive, abusive, hostile - unsafe conditions including XXXX attack and lock out. 

The attacks were experienced at the XXXX location were actually fueled by Chase 's unfair and discriminate practices of over drawing from my account. Clear violations of Fair Debt Collection Practices Act and liable for willful noncompliance of banking regulations. 
Once the charge was made from XXXX the funds were withdrawn from my account as an authorization. The host would complain within XXXX hours stating she receives her payment from caucasian customers overnight and ours take XXXX days or more ... .. '' Why is that?! '' XXXX days or so later Chase would reconcile our account by moving around deposits and payments and charge our account again for the XXXX reservation. 

This went on for awhile until the host lost it and threw our property outside in the rain and locked us out of the unit due to so-called non payment while charges had been withdrawn from my account. The host retaliated further by keeping our expensive property and groceries. We were forced to call the police to regain access to our possessions. During this hellacious event we suffered damages/loss over several XXXX dollars. Including being attacked personally and professionally on social media to the point that we can not use XXXX platform anymore. 
We filed a complaint with XXXX, to no avail .... they were actually on the phone with us as we called the police. We have filed claim with Chase requesting refunds. The first claim was refunded and then reversed without notice. Each time we contact them to complete the claim Chase gives us another stall tactic claiming the claim is incomplete ... .missing notes from the first claim. They would of called but my phone number was n't listed on the second claim that has the same claim number. 
When we ask for the notes of both claims to compare and identify what is missing Chase stalls and denies us access stating, " its internal information only. '' We believe Chase is acting in bad faith knowingly and intentionally stonewalling our request for credits and closure in this matter. We are currently over {$2000.00} XXXX XXXX XXXX ) overdrawn and out of over {$800.00} XXXX XXXX XXXX ) in wages, causing a financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied online for a Chase credit card on XXXX XXXX 's site because it was advertising low APR interest rates & 0 % for 15 months on transferred balances for individuals with good credit ( my Credit score is XXXX ). Within a few days I received letter informing me I was approved, however not all the account balances I requested transferred were granted because of the line of credit the CC Bank provided was n't high enough to cover the total amount so only XXXX of the XXXX accounts was totally transferred, leaving the second only partially transferred. If I was informed that my request could n't be granted I would have cancelled the application but they did n't offer this option. However In their letter, they stated I could request a high credit limit if I wanted the remaining balance transfer but they would need to pull another hard credit report request ( less then two weeks from their previous request ). I refused. Next the new credit card came attached to a typical form letter instructing how to activate the account and the disclosure statement describing how they used my credit score to determine both my ( risk ) Interest rate and line of credit amount. This where they posted my credit score they claimed I had with XXXX was XXXX contrary to what I have ( XXXX ) from XXXX seen through my account during the same period of time and company.. I contacted them requesting documentation proofing their claim of my credit score being XXXX. After four hours of being passed to XXXX different departments and talked to XXXX different people all claimed I needed to contact XXXX to straighten out this issue. I told them it was extremely unlikely that XXXX would be able to fix Chase 's errors. They as so refused to send me a copy of my credit report they claimed to have with XXXX on it. My opinion of the credit application process banks are perpetrating on consumers is predatory in nature do to the secrecy and concealment of the claimed facts by which they are manipulating the rules to favor higher rates and ensnares consumers into an agreement without knowing what the terms and conditions are until after they have made them and invoked the agreement before it could be reviewed. This leaves consumers without a fair remedy to cancel or refuse the approved application without further investment in ; time, costs, and costs to their credit score. We consumer need to have the right to refuse an offering if it does n't meet our needs before the agreement engagement, not after. This act, in itself, is a tactical form of predatory lending by the banks, is it not? 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a letter to CHASE CARD letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CHASE CARD refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. CHASE CARD provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase promised us outstanding customer service and XXXX loan issues as Private Clients. We went through the application process and had everything set for closing. Our loan officer was a nice guy who tried his best to help us but our closing was awful. It was a 7.5 hr closing with our final CD only issued about 2-3 hours into closing instead of 3 business days before. We ended up wiring a substantial amount of money to an escrow account prior to closing based on the verbal instructions from our loan officer. We were not provided with the final CD as required by Fed law. The sellers attorney left after a few hours for another closing. Chase XXXX up the titling on our mortgage which affected our deed. Chase had our closing date wrong which would have meant a dry close on Monday instead of Friday. The title company officially closed at XXXX. The closer stayed until XXXX to try to get the loan done. Chase 's closer and loan department stopped picking up our calls or responding to emails and voicemails. Our IL closing was handled in XXXX. We ended up having to reschedule our move, we had to hire a dog walker since we couldnt leave the title company. We ended up having to take the entire day off work instead of the 2 hours allocated for the close. Chase didnt bother to send a representative to the closing. We ended up dialing everyone we could think of at Chase. I had a Chase branch manager try to get hold of someone to help us figure out how to get the correct info submitted. We had to sign the mortgage docs without very much time to review because of the time deadline and the pressure from the title company closing. The sellers were irate. We submitted a formal complaint the Monday after closing and didnt hear back from the Customer resolutions team until today. She hadnt bothered to review the file. I submitted phone records, copies of emails and a narrative statement to our branch manager who forwarded it to the loan officer and his superior. I would be happy to share those with your department. I could not paste that here due to the character limit.

Company response to consumer: Closed with monetary relief