vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
This morning, XXXX/XXXX/2016 at XXXX XXXX., I received a recorded message on my answering machine. It said they were calling to speak to a man who is actually my neighbor. The message said that if I were not this person, I had to call their number and tell them they had the wrong person and wrong number. I did so, and they were courteous. 
I do not think it is proper for a collection agency to call someone cold, without ascertaining that the number they have belongs to the person they are trying to reach, and then to require the innocent person to call them to correct their error. I also think it is against the Fair Debt Collection Practices Act to call a neighbor about the debt of a person. 
I am complaining because I think their process is completely intrusive, burdensome, and mistaken. They should not be allowed to make calls like this.

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 2016-05-25 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a mortgage with Chase Bank On several occasions I have approached Chase Bank because for XX/XX/2015 they reported a XXXX on my credit instead of reporting current as my mortgage payment was made on time for that month. I have called several times to Chase and they advised it was the credit reporting agency I then contacted the credit Bureau who advised me it was Chase doing a non report for that month but something on Chase side. I continue to get bounced back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
many times XXXX has made monthly donations when I just wanted a single donation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was charged {$130.00} from a merchant to repair my iPhone. The workmanship was poor and the phone screen came off a week later. I presented the proper evidence for a refund and they did not issue me a refund. They then promised to issue me a refund, they never issued me a refund, and when I called back, they said they would no longer honor the original amount of the refund offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was on vacation in XXXX. I was only supposed to be charged XXXX for my cab fare. However, the cab driver took advantage of the fact that I was traveling and instead charged me XXXX on my credit card. He then proceeded to say he did n't understand how to refund it, and he also refused to provide me any paperwork. I had to catch a flight, so instead of continuing to argue with him, I left and decided I would contest the charge with my credit card company. However, now my criedit card company is saying that there is nothing else they can do regarding the dispute process and because I do not have any paperwork ( since the merchant REFUSED TO PROVIDE ME WITH ANY ) there is nothing they can do, and that my credit card will be charged. I disagree with this practice. The charge was a fraudulent unauthorized charge and my credit card company refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Around XX/XX/XXXX I accepted a credit card offer from my Chase AARP card at a 0 % interest for a year with a 2 % transfer fee. Needing the money, I called Chase and asked them to deposit XXXX into my checking account and, shortly there after, they did so. Now, they are wanting the XXXX. back from my checking account. They say it was their error but they should n't have deposited the money because that checking account has n't been used to pay a Chase fee within 3 months, so could n't be approved for the transfer.. I had XXXX balances so there was no need to make a payment. They made this decision after they deposited the money into my account.They say they will pay the bank fees but where am I supposed to get the XXXX?. I do not have all of the XXXX left and what is there is allocated for checks and payments that have not cleared yet. I accepted their offer and borrowed this money in good faith and have spent many hours on the phone with various Chase reps and am that the account is active, has XXXX available credit, but they can not assign the money already borrowed to that account because it was n't used for 3 months. Surely they can lift the rule to cover their error, but they wo n't. The woman, who said she was a manager, gave me the fax number of Chase Executive Offices as my only recourse. So, I am contacting you. This is an AARP card, available only to XXXX. They are causing havoc in my life and do not care at all. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04 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: TX

Complaint narrative:
I have been paying more that my actual monthly payment to Nelnet for years as I was trying to see if I could pay my student loan in 10 years. I would call and they would tell me that it would be applied to principal. Since I have it set up automatically I just call in to make sure that my over payments are applied and they always would tell me that yes they are being applied and that I was making inroads to paying off my student loan debt. 
After looking at my statements and seeing that I am now paid up until XXXX of next year I decided to call again to make sure that my payments were applied to principal and the CSR that I talked to said that they could n't so I asked to talk to a manager or supervisor. Again a supervisor by the name of XXXX ID XXXX told me that I was making inroads as he that I was way ahead with my over payment but that he could not apply my over payments to principal. So then, I asked him I have already been paying for 10 years on my 20 year note and can you tell me how much longer I have to zero out my student loan debt? And he told me that I had 10 years left. And that is not right as I along with a whole bunch of consumers out there are being had. They need to put a stop to this kind of preying on innocent consumer that think nothing wrong of them until we look at our lenders more closely. 

Please assist me in making a wrong right as we have way too many scrupulous business out there. And we certainly do n't need this additional burden on students that are coming out of colleges and universities and are already carrying a big load of student loan debt.

Company response to consumer: Closed with explanation