vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have been receiving threatening and harassing calls from Premium Asset Services in XXXX XXXX, CA XXXX. They called my employers twice, today and yesterday pretending to be a mortgage company. I attempted to find out what they were calling about, they refused to tell me unless I confirmed my social security number. When I refused to confirm my social security number over the phone, they threatened to sue me and have may wages garnished. I was transferred their so called legal department and threatened with court proceedings as I did not want to confirm my social secuirty number over the phone, stated that they would not give me any information without doing so.Case # XXXX I checked my credit report, I do n't see any company by the above name. I have a discharge bankruptcy and my accounts that were in collection were included in bankruptcy and charged off. I have never dealt with any company by the name of Premium Asset Services. When I googled them, the information was that they are a scam company and they have an F grade on the XXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: CT

Complaint narrative:
Most of my student loans have been serviced by Nelnet since starting college. Though I am grateful for anyone who helped me in my journey of achieving higher learning, the whole experience has not been pleasant. During my school term I faced both tragedy and hardship. I was forced to leave school and while doing that I was advised by the school 's financial advisor that after XXXX months my student loans would start to become due. Though I was battling homelessness, I still managed to call in and apply online for debt consolidation so that I can get in control of my finances. I chose to consolidate with Nelnet because they were already servicing most of my loans. I completed my consolidation application before the first payments were to become due on all of my loans. I subsequently called into the servicer and advised them that I was in the process of consolidating and was not working. The representative on the phone said that a consolidation application takes time to be approved but in the mean time she will make note of my lack of my income so that payment will not be due while the accounts are in the process of getting consolidating. I thought all was fine after doing my due diligence with Nelnet and keeping them in the know. Unfortunately, despite all my efforts of payment arrangements and promises from the Nelnet rep, I was notified through a free credit monitoring service that several accounts had become delinquent and my score plummeted very low. I am completely outraged by Nelnet 's inconsistencies and false reassurances. A total of XXXX ( XXXX ) account became immediately marked late by 90 days. Despite reporting in good standing the XXXX months prior too. It was completely unexpected and I have been disputing it since online to no avail. I then went further and wrote goodwill letters, as well as contacting the CEOs and all they do is forward me to the general customer solutions department to which they provided with inconsistent policies or ignore me entirely. As a result of their erroneous reporting I am not able to be approved for lines of credit and the defamation has prevented me from receiving unemployment. I hope this is the tool I need in order to receive the justice I deserve and get these 90 day late marks removed from all ( XXXX ) accounts that were already in the process of being consolidated with the same servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Wa Mu gave me a loan of XXXX and a second of XXXX. I put down XXXX cash. I was led to believe this was a good mortgage. It was not until I went to refi ( my loan is 6 per cent interest only ) that I found out it is not XXXX XXXX or XXXX XXXX. Chase bought out Wa Mus loans but they refuse to re fi me. This is not only unfair, it should be illegal. I am XXXX year old XXXX vet and I need refi badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1 ) Chase did not send me the actual signed modification agreement in the package. 
2 ) Chase did not properly apply payments to any of my principal balance. 
3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 
4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit sold credit cards that was not mine to XXXX party robo card collectors. It is still showing up on XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase continues to report to my credit report with all three major credit reporting agencies a credit card that began to go delinquent in XXXX 2008 ; this card is reporting with a negative payment status and is clearly past the 7 year reporting rule established by the Fair Credit Reporting Act ; I have disputed this account both with the credit reporting agencies and with Chase directly but Chase continues to report this account in error ; this reporting is damaging my credit and causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by my financial adviser that my credit has a negative information being reported. Upon reviewing my credit report I noticed that Chase XXXX was reporting an account that has mixed information. I contacted Chase and they explained to me that not only was this account being reported as bad debt but that a XXXX was filed with the IRS. I informed them that this account was not mine and that I wa n't this information removed from my credit report. They told me that they where going to investigate but that the XXXX still remains effective and that the investigation can take up to 90 days. I was then transferred to a supervisor once I mentioned that I was filing a compliant with the CFPB. This situation has prevented me from obtaining a loan that I much need. How can these companies open accounts and report it to the credit beaus with verifying the information? This account is not mine. I spoke to a XXXX ID # XXXX and a XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a reward card for numerous years. I had built up a substantial rewards balance on the card. This card was usually always paid off monthly. The charges were substantial. As the result of losing a contract and closing a business with XXXX locations I was forced to file chapter XXXX protection. There was no balance on the credit card company, in fact a small credit balance. Immediately on filing chapter XXXX the credit card company closed my account and said I forfeited my rewards points. This feels like fraud to me and very unethical. The card was used, they made their money on the businesses, I owed them no balance. This was over XXXX points. I 've spoken with the company and XXXX different customer service reps and told the same thing that I forfeited the points. If this is legal then it should be made illegal as its certainly unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I applied for a credit card at Chase Bank. They needed additional documents to verify my information. The first letter indicated that they needed my photo ID and proof of residence. I sent them my passport and utility bill. A while later, I get a later saying that they ca n't read my passport. I call to ask why that 's the case. Turns out, they need my social security number verification. My passport photo was actually fine. This was already one month into the application process. I send them a fax of my social security card. They swore that they received it. I call 3 weeks later because I still have n't heard from them. They then say they never received it in the fax. I send them one in the mail. I call them on XXXX/XXXX/XXXX ( I applied for this card around XXXX time XXXX ). They tell me that I will find out about the status in 1-2 weeks. They are legally obligated to tell me whether I got rejected or accepted. I do n't hear anything on XXXX/XXXX/XXXX. I call the bank again. The gentleman checks the status, says that I have been rejected because they could n't verify my information and the application has been closed. I ask if he can send me a letter explaining why I have gotten rejected. He says he can not. I told him he 's legally obligated to do so. He says yes he is, but he still wo n't send me a letter. I asked to speak to his manager. He said his manager is unavailable, so he will call me back. I did everything I can to apply for this credit card. I have a superb credit score - XXXX. I have a credit card through XXXX XXXX XXXX. I pay my bills every month. I deserve a reason why the incompetent bank can not verify my identity even though I followed every single step they have asked me to poorly communicated with me to do so. I had to call them every week to check the process because they were very unhelpful with the application process. Every step of the way, they were n't clear what they needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I took out a loan in XXXX with Washington Mutual for {$780000.00}. I feel it was a predatory loan where I had a negative amortization payment before I had financial hardship and filed for Bankrucpty in XXXX. I have been trying to obtain a loan Modification ever since. I have been denied and have a sale date on my house for XXXX XXXX, XXXX. I feel that the their may be XXXX or more of the following violations : VIOLATION OF TRUTH-IN-LENDING ACT ( XXXX XXXX XXXX ETC ) VIOLATION OF XXXX WALL STREET REFORM AND CONSUMER PROTECTION ACT ( Pub.L. XXXX ) IMPROPER SECURITIZATION AND TRANSFER OF LOAN : Fraudulent concealment and violation of lender 's own underwriting guidelines. 
Violations of the Real Estate Settlement Procedure Act ( RESPA ). 
Systematic creation of false and inflated appraisals encouraging borrower ( s ) to commit to the loan under false pretenses. 
Fraudulent endorsement and falsified disclosures prior to commitment. 
Fraudulent endorsement and/or transfer by XXXX 
Beneficiary process, rights to foreclose, robo-signing documents. 
Phantom investors and signing beneficiaries. 
FAILURE TO MODIFY LOAN TERMS UNDER FEDERAL QUALIFYING GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
For example, I recently set up an automatic payment for a credit card. I had transferred money to XXXX account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a {$34.00} overdraft charge. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an XXXX, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2015, I purchased a XXXX Range Rover LR4, from XXXX XXXX XXXX XXXX for {$56000.00}, which is the fair market value for a similar car without any defects. The dealer is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The dealer assisted me with completing a financing application for a loan with JP Morgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The financed amount is {$45000.00}. After I left the dealership, I was advised by my insurance company that my LR4 was a branded manufacturer 's buy back car, commonly known as a LEMON and worth substantially less than the amount owed on the loan with Chase. The fact that the car is a lemon was not disclosed to me by the dealer or Chase. Had I known the car was a lemon, I would have not bought the car. I later learned that the law requires that there has to be a consumer disclosure given to me before I agree to buy the car that declares the car is a branded lemon. When I asked for my paperwork from the dealer 's finance office, I was given a copy of my sales agreement and loan papers. I was also given a copy of a lemon law disclosure that had my FORGED signature. I later found the same disclosure form in the color designated for me, the buyer, in my car that was not completed or signed by me. The actual XXXX Application for Title form completed by the dealer, and signed by me, that was also sent to Chase, specifically omits that the LR4 was a manufacturer 's buy back car, ( lemon ). The box on that form that discloses the car is a lemon is not checked. I notified the dealer and Chase about the misrepresentation and fraud. Since I was ignored, I hired a lawyer to try and rescind the transaction or recover the difference in the value of a lemon law car and a normal car. The dealer denies any wrongdoing and Chase claims its paperwork is in order because it has the forged disclosure form in its records. I am still forced to pay Chase the full amount of the loan even though the car is worth at least {$20000.00} less than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am not sure this applies but here is what happened ... 

Today I made a reservation through XXXX for a hotel room in XXXX XXXX, CA. I entered the wrong date and realized my mistake within XXXX minutes and called XXXX to see about a date change. The room was originally XXXX and they wanted an additional XXXX to change the date ( this included the XXXX date change and the rest is the penalty fee ). 

I went back and looked and of course in the small print it says no changes but I did not notice that while make the reservation. It just seems a bit steep to charge XXXX to change the date of a reservation XXXX minutes after making it. Any help would be great or at least put others on notice so they do not fall for the same thing! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.

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