vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened chase savings/checking accounts on or about XXXX 2015 after banking with XXXX XXXX XXXX for more than a decade without any problems what so ever. After only a few months with chase, my checking account was hacked and several unauthorized transactions were honored by chase bank, despite the fact that I had alerted them that my card had been stolen days prior to any transactions, they elected to process them. When I opened the account I was told that the account was protected from any and all fraud and unauthorized transactions, however after reporting that my card had been stolen, I received a replacement card and was informed that I would not be held responsible for any of the transactions and any and all monies due would be restored to my account. The reality is I then received notice that my account was being closed, I would never be allowed to open another chase account and that I will be charged for more than {$1200.00} in reported unauthorized transactions. Since the account is protected from fraud and unautherized transactions and chase has denied me protection, one can only conclude the bank is alledging that I have committed fraud and that I am lying regarding the transactions. This is untrue as well as slander, further after reviewing the statements, letters and canceled checks involved that were sent to me by chase bank, I have conclded that this is a inside job, my information as well as my documentation will provide evidence of this fact. Note : ( Documents will be provided upon request ) CONCLUSION Chase bank is beneith dignity and engaging in fraud itself as well as misrepresentation when it lies to it 's customers when opening new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was advised when trying to refinance my house that my last an modification was not explained to me correctly. I was giving a 40 year amortization without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, the seller of property at XXXX XXXX XXXX, XXXX, CA, accepted an offer to sell her mobile home on land and opened escrow with XXXX XXXX. Since there was a mortgage on the home ( originally with XXXX XXXX and then sold to Chase Bank ) Escrow requested the pay off amount and a conditional lien release from Chase Bank on XXXX XXXX, 2016 per California Dept. of Housing & Community Development ( HCD ) requirements. 
Dozens of requests and phone calls later we still do not have the conditional lien release. Chase 's inability to provide a simple Conditional Lien Release is jeopardizing the seller 's ability to secure a permanent new home to live in ( she 's currently living with friends ) and the buyer 's desire to own this property. 
Our last contact at Chase Bank was XXXX XXXX, a Senior Service Rep Escalator at ( XXXX ) XXXX ext. XXXX. Chase Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
My wife and I signed a mortgage for a house at XXXX XXXX XXXX, XXXX FL in XXXX XXXX in XXXX. The mortgage was adjustable rate, and in XXXX, the payments increased from the original {$700.00} to {$1100.00}, which we could no longer afford, and we stopped making payments. We were foreclosed in XXXX, the house was sold at auction in XXXX, though that sale appears to have been nullified, but in XXXX a collection agency, RealTime Resolutions began sending us collection notices, and continue to do so. We do not feel that we owe RealTime Resolutions anything, we did not sign anything from them and in our original response to the foreclosure notice, we disputed that the holder of the original mortgage was not the party who filed foreclosure. Our mortgage had been commoditized and resold during the period which led up to the XXXX financial crisis, and XXXX XXXX, which was XXXX of the plaintiffs on the foreclosure, has since been convicted of manipulating the interest rate index which determined the interest rate which caused our mortgage payments to go up dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Creekside Recovery And Capital Management
State: NC

Complaint narrative:
I received a call on XX/XX/XXXX from an unknown number the caller left a message stating I need to make myself available on XX/XX/XXXX between XXXX and XXXX ... So I can sign seal documents also have a witness available ... if I was n't available they would proceed to my job ... I was also prompted to call XXXX ... .creek side recovery ... it was a very unprofessional call as I spoke with the person who said I needed to pay XXXX on aXX/XX/XXXX debt ... he placed me on hold to supposedly be speaking with the company ... .came back and said the company would settle for XXXX .... Due XX/XX/XXXX ... Gave him card # ... To collect they were very very direct with me ... I feel threatened because not only do they have my number but my address also ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Buyers applied for a mortgage more than 60 days ago. The ChaChase Bank has approved this borrower, however, they are hholding loan in underwriting because the borrower has aXXXX with XXXX and he is taking XXXX because he isover XXXX years old. XXXX has been asked to document the eexact amount of distribution monthly, which they ca n't do-so the tax tables have been provided, and they have explainedreturns on investment accounts are variable ... yet haveprovided a letter and tax tables ... The income e is less than $ XXXXpermonth and does not impact the borrowers ability to qualifyfor loan. This is ridiculous! We have missed closing by 21days. Outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My father obtained a credit card in my name and the debt went to collection before I was made aware of the debt. I contacted the debtor and proved I did not incur the debt and therefore, did not owe it. According to my mortgage company, the debt is still on my credit record. I received a copy of the XXXX report and the debt of {$6000.00} appears to be deleted, but my mortgage company states the debt still resides on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I received a email from XXXX stating that there was a change to my credit report. That a inquiry had been made for a installment loan ( which turned out to be from cash central ) .On XXXX XXXX, 2017 at XXXX. 
Moments later on XXXX XXXX, 2017 at XXXX I received another email from XXXXXXXXXXXX that I had been approved for a loan of up to XXXX dollars and to click here to verify my identity " which i have not ''. I have since received reminder emails stating the same as above on XXXX XXXX, 2017 at XXXX, XXXX XXXX, 2017 at XXXX, and XXXX XXXX, 2017 at XXXX. Which is unsettling because before I had received a email from them I had never heard of this company nor have I done business with this company. And I am worried as to how this company had come across my personal information. And were able to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday XX/XX/2017 XXXX charged over XXXX dollars on my debit account without my permission claiming that the payment had been done online. I did not authorized this payment and did not make an online payment since the money i had in my account was for my rent. I called Chase right away and they stated they needed to investigate the transaction. Yesterday I spoke with them and said they could do nothing since XXXX had every right to take the money since I owed it. I am currently waiting on a reimbursement from XXXX to pay XXXX. I am now behind on my rent and utilities since they took all my money. Chase is not helping me to resolve this issue even though I am telling them this was a fraud. This was also tried on my daughters account but they were unable to take the money since she had no funds. She had to cancel her debit card due to the fraud attempt. As of today Chase approved the {$2200.00} transaction after all my calls and complaints about this not being authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase short sale. Final settlement was submitted to Chase on XXXX XXXX as required by Chase to receive final XXXX approval to close. It has been our law firms experience with Chase that no matter how far in advance the settlement statements are submitted to Chase they are unable to provide the final approval to close. This particular file has been escalated through the Escalations Department since XXXX XXXX due to Chase 's lack of providing XXXX approvals on time. I was advised yesterday that we would have the final approval to close by end of business on the XXXX. Still today XXXX we do not have the final approval to close. My contact with Chase escalations on XXXX at XXXX XXXX stated that I would have the approval with in 30 minutes as it has been escalated. XXXX XXXX still waiting for the final approval to close. Contacted Chase again and was advised that it would be another hour as per the manager of the closing department. I then requested to speak to the manager in the XXXX approval letter and was advised that they are out of the office due to the holidays. This is unacceptable as end of month is the busiest time for closings and Chase continually allows their staff time off at the busiest times of the month. This is a continual problem with Chase and they continue to harm our clients due to their lack of approving the Final XXXX for approval to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX XXXX, 2015 I rented a car XXXX. I discovered a flat tire within in an hour of picking up the car. Despite numerous attempts, XXXX did not provide any assistance. I could not use the car. 

I reported the incident to Chase that same evening and requested that no payments to XXXX be authorized from my account. Despite my request, charges were posted on my account. 

I submitted a formal dispute to Chase on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was terminated since XXXX did not respond to Chase 's attempts to " investigate '' it. 

I contacted the manager XXXX directly and she refused to remove the charges. 

On XXXX XXXX, 2015 I closed my account and resubmitted a formal dispute to Chase. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was denied. 

Chase continues to attempt to collect {$1200.00} ( an estimated according to the last bill I received ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I filed a mortgage modification for my first mortgage. As my loan transferred from XXXX XXXX to Chase Bank for servicing, I was advised by the modification department of Chase Bank not to make any payments while the loan was going through the modification process. I was very uncomfortable with this arrangement, especially after receiving multiple letters concerning possible foreclosure. I called the modification each time I received XXXX of these letters. Throughout the three year process, I was contacted fairly frequently by many modification agents to have the information packet updated but ALL told me to save the money and not to make any payments until a decision was made. Whenever, I found an agent who would accept the payment, I made multiple payments. 

Since my I received the denial of mortgage modification in XX/XX/XXXX, I began making timely payments. In an effort to refinance my mortgage, I have asked Chase Bank to remove all the late payments from my credit report since they told me not to make any payments during the modification process. I have made this request repeatedly over the past three years. To-date Chase Bank continues to report that they have no agents that were telling consumers not to make payments during the modification process. I asked them to research the fact that I was probably late on my mortgage once before and after the modification process. I have also reported this problem to XXXX XXXX the owner of the loan but to date there has not been any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have many loans from private and government and I was very young when I started with this school loans. after a few years companies sell my loans to different lenders and the interest goes high. I never had a complete understanding of the type of interest I would pay down the road. To make things worst I started a degree on a university and left school for few years and when I came back to finished the degree was no longer available so had to get a XXXX degree unless I wanted to pay more towards a new degree. I do not have a steady career and i am currently jobless with a XXXX XXXX dollar debt.

Company response to consumer: Closed with explanation