vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX occasions, XXXX XXXX 2016, XXXX XXXX 2016 and XXXX XXXX 2016, Chase Sapphire Credit card customer service agent confirmed that the Annual fee of {$95.00} will be refunded if I close the account within 180 days from the date the fee was charged. The fee was charged on XXXX XXXX 2016 and the account was closed on XXXX XXXX 2016 while declining their offer of XXXX points to keep the account active. When the last statement was generated, there was no refund and when I called them to inquire about the refund on XXXX XXXX 2016, they say that the policy has changed to only refund if the account is closed within 30 days and they say the policy change occurred on XXXX XXXX 2016 and they are not required to notify me of that change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past two years, Chase Mortgage has. Made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into getting any. Moreover, I have never received an offer from them.On the other hand, I only have XXXX inquire from Chase Auto. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about people. This is abusive. What a steps does Chase Mortgage take to insure their employees are not abusing their sensitive information access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XXXX, 2015 I was approached by the mortgage division of a bank about refinancing my mortgage. I was told that there would be absolutely no cost to me., which on paper seemed to be true. However the day before the closing I was informed by mail and by phone that because my previous mortgage holder had not not maintained the escrow account properly and the amount of the refinance would be {$3000.00} more than what I owed on my house. I had my suspicions that the refi was no longer at no cost, possibly an instance of bait and switch. I wish I had not proceeded with the refinance but I went ahead with it, as it was still going to save me what to me was a significant amount of money. 
Two or three weeks ago now I received notice from the lender that my escrow account was short of funds again in the amount of almost another {$1000.00}. This is going to raise my monthly payment by an amount almost equal to what I saved by refinancing. Now I am convinced that something is not right and perhaps fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In Reference to case No. :XXXXMain Issue : Chase Executive Office Agents refuses to discuss the facts of WHY the Chase agents I spoke to approved my reimbursement transactions. In addition, they have not discussed why Chase 's Payment system allowed the transactions to occur. Those are the root causes of the scam as my interactions with Chase 's agents then put me into several difficult situations ; a. All transactions were legitimately reflected on my Online Chase account. In addition, Chase agents confirmed that they were valid. 
b. Since I was reimbursed for the purchase of computers requested by my employer/scammer, I was obligated to send those computers to my employer. Had I not sent the computers, I could have been accused as a criminal / scammer myself as reimbursement / payment to my account was already processed. 
XXXX Chase later reversed those payments, even after their own agents confirmed that they were valid. I think this is Chase 's failure to protect me as their customer, since their agents had originally approved the reimbursement / payment as legitimate transactions. 
I received a few calls from Chase 's Executive Office after the above complaints, all recorded by their system. None of their agents were willing to discuss, avoided to answer, and switched subjects from the main issue : Chase Agents ( at least XXXX agents on several different occasions ) approved of my payments using accounts provided by a scammer ( under the guise of an employer who had hired me ). I clearly stated to them that the accounts were not mine, and were being used to reimburse me for expenses " my employer '' requested me to purchase ( XXXX computers total ). 
Because Chase 's agents validated the legitimacy of the transactions, their approvals put me in an odd situation per our legal system : Because Chase 's agents had verbally confirmed that the payment to my account / reimbursement was processed and reflected in my account, I believed that the money was truly in my account. With proper reimbursement, I could not hold onto the computers I had purchased. I could have been reported as a criminal / thief by " my employer '' as I had already been reimbursed for my purchases. 
Chase exhibited negligence on XXXX counts:1. The Payment / Reimbursement process was properly executed and allowed by Chase System2. Chase Agents approved such transactions knowing that the accounts were not mineChase 's online payment system should have red-flagged the transactions, and their agents / automation system should not approved such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I tried to enter into an income driven repayment plan XXXX separate times and both times Nelnet managed the applications inappropriately. The first time an application was filed on studentloans.gov on XXXX XXXX, 2016. This was a joint IDR application with my husband. Nelnet later claimed they could n't see the application when they were contacted on XXXX XXXX, 2016. During the call on XXXX XXXX, 2016 the collector never mentioned the possibility of an administrative forbearance on the accounts so that they would n't be reported to the credit bureaus.A paper copy of the application was sent to them through the mail on approximately XXXX XXXX, 2016. 
They also claimed they never received that application when they were contacted on XXXX XXXX, 2016. Only after checking my credit report on XXXX XXXX, 2016 and seeing they had reported me as being over 90 days late on my loan payments did I realize they had n't processed the IDR application. When they were contacted on XXXX XXXX, 2016 a collector named XXXX stated that they had never processed the application. He said that if the application was resent it could take them 3-4 weeks to process it through their processing center. When a supervisor ( XXXX ) was spoken to he claimed that they attempted to call me on XXXX XXXX, 2016 but the number came back as disconnected or incorrect so it was removed from the account. The number they tried had just been added onto the account on XXXX XXXX, 2016 when the initial call to Nelnet was made. They claimed it was n't their fault since they had n't been given current information even though they had received that number only 2 days prior to the call. XXXX also claimed that mail had been sent to the address on file sometime in early XXXX and it was returned to them. The address they sent the mail to was valid at the time they sent it and continues to be valid today. 
After removing the good phone number and address from the account XXXX states they then performed a skip trace that provided them with incorrect information for the account. 
XXXX and XXXX both stated that they first reported the accounts to the credit bureaus on XXXX XXXX, 2016. This means if they had actually made contact using the valid information they had been provided this situation would have been able to be remedied at some time before the negative credit reporting. The decrease in XXXX score related to this situation was XXXX points. I have done my due diligence to use the programs that were created to assist those needing help paying student loan debt. Had Nelnet acted more appropriately they would have been able to avoid this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made a wire transfer using my Chase account online. Chase then suspended my account as they thought the transfer was fraud ( it was n't ) I contacted Chase to unsuspend the account, who then asked me what my ex girlfriends DOB is. We dated back in 2009?!?! 

Now Chase wants me to waste {$1500.00} on a plane ticket to unsuspend the account. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Chase credit card company kept charging me late fees for months even though my payments were on auto pay. They continuously kept charging me a purchase fee as well. I was not aware of all these charges until recently, like two months ago. They continued charging without me even knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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: LA

Complaint narrative:
Contract was cancelled " NO CONTRACT '' Showing up on My credit report as Account Transferred, Sold, or Purchased by another lender Paid. This should not be showing up on my report if Nelnet Loan Services is no longer servicing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: MS

Complaint narrative:
Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank was slow to process the refinance loan, requested more information, and then charged a $ XXXX fee in order to secure the promised rate after the lock-up expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.

Company response to consumer: Closed with explanation