vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I fell behind XXXX car payments with Chase Auto Finance on my 2011 XXXX XXXX due to temporary hardship. I was forced to authorize automatic payments from my checking account in order to show my efforts. 

As a scheduled payment was attempted, I realized that my bank rejected the request due to non-sufficient funds to cover the full payment of {$320.00} ( approximate ). I immediately contacted Chase to stop ALL checks from going to my bank and set up weekly payments until I 'm current on my loan. 

The agent advised that NO OTHER PAYMENTS would be requested understanding that the most recent request was being rejected. She advised my account would be noted regarding WEEKLY payments to bring my account current. 

During the work week, Chase called me and left a voicemail. As I was unable to take time from working, I did not receive the message. On Friday, the XXXX, the repossession company collected my vehicle approximately XXXX. 

I was caught off guard due to the arrangements set up with Chase the week prior, which I maid the first week 's {$100.00} payment and the following week would bring the account only 30 days behind. There was not an email sent ( my preferred contact method ) about my loan being at the point of potential repossession. 

Though I have asked for my communications to be reviewed to correct the errors, Chase insists that it is a valid repossession and the full amount, nearly {$14000.00}, will be needed in order to reinstate my loan and reclaim my vehicle. 

I 've offered to catch up all my payments ( {$300.00} x XXXX payments ) within one month 's time to bring my account back in good standing as my financial status has improved. However, without a vehicle, my efforts are hindered. 

Every day my payments get further behind, my credit score worsens, plus I now owe the repo company storage fees unless I alow the vehicle to stay beyond 10 days, leaving redemption into repossession status. 

No one at Chase is working with me to get me back on track from a bump in the road followed by an employees lack of training on my account status and possible effects. 

Please help protect me and my daughter from being without reliable transportation to her school and my work. 

My car payment history is not perfect, but I 've always had the ability to pay on them. Due to a divorce and unforeseen economy, my payments became an issue, but never neglected. I would always communicate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: OR

Complaint narrative:
NELNET - Using false dates to gain money- to say that I did n't re-apply for an income based repayment ( I have proof that I submitted 3 times all nearly a month prior ) Also using Gross Income ( not AGI ) to form their IBR repayments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, I was contacted by Chase mortgage with regard to a third lien on my home that I knew nothing about. I had been separated for many years from what was my ex-wife for all purposes since XXXX and the short of this story is that she had been using our home as collateral on XXXX occasions ( XXXX refinances with current banks ) for a total of the XXXX liens totaling XXXX. In addition, she had also used XXXX on several transactions which as it turned out were credit cards in my name in which she was the authorized purchaser, all these bills she was at XXXX point paying. I paid the mortgages as they were for my house however, I thought I owed XXXX as I bought the house in XXXX and only took out XXXX loan for the siding in the XXXX. In any event, I found over XXXX on my credit report when my girlfriend explained what all this was, I was shocked. I hired an attorney. It is still on my credit report, although I have agreements with both Chase ( US District Court # XXXX ) and XXXX ( Case # XXXX-which was later negotiated and dropped ) as to the removal of the items from my credit report, this has not been done. So far this has cost me thousands of dollars. I can not refinance my house which still has XXXX home loans that I did not take out or sign for..but have been told I have to pay. Please someone help me with this credit situation. I have both Chase and XXXX documents as does my attorney. If this does not clear up I will file suit against them both for the long term damage to my credit report. 
I can not get a loan from anyone with a credit score of XXXX. This is due to fraud that you perpetuated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it -- my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( {$190.00} ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( {$140.00} ) on XX/XX/2016. This charge did not appear on a statement until XX/XX/XXXX and I did not notice it until XX/XX/XXXX. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( XX/XX/XXXX from assessment to XX/XX/XXXX ) had elapsed. I claim that the interval should begin on XX/XX/XXXX when I was first notified, unsuspecting that there would be any late charges because all payments after XX/XX/XXXX were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire consumer is overcharging me. The loan was to be finished in XXXX. They do n't send me statements due to a bankrupcy I did 3 yrs ago. I missed one payment I did not know about and instead of the loan coming to an end, I owe an additional {$2000.00}. They are making a lot of extra money because of this. They are cheating me. Others should know about this deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2015 my account was upgraded from a basic account to a premium account with a $ XXXX/month fee associated with it. The account is only used to pay off my Chase credit card and Chase auto loan and basically nothing else ( please see attached documents - there are deposits, a couple of checks and automated credit card payments/auto loan payments - nothing else ). Thus the account change occurred for XXXX of XXXX reasons : ( 1 ) The bank made a mistake and changed my account to the wrong type. 
( 2 ) I was not given full information about the fee structure of the account my account was moved into or I was intentionally mislead. 
( 3 ) Chase changed my account type without my permission. 

I am attempting to recover the {$450.00} in fees that were charged to my account, but believe that Chase is likely systematically moving their clients into accounts that are not in the clients ' best financial interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
i paid my above my billed balance on my chase slate card 3 days after the due date and got assessed interest for the month. i think that this is not fair to the consumer. i have tried to contact the company and they wo n't remove the fees. i am tired of companies taking advantage of consumers. i believe that the charges should have been reversed. i have been a customer of theirs for almost 19 years. they said they never remove fees from an account. I find that hard to believe!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My lender is stating that my home has been foreclosed on but they are in the process of buying it back and they are also stating that it is in the process of being foreclosed on again. They will not discuss any modification options with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi Sir/Madam, I am writing this letter regarding Chase bank closed my banking accounts and credit card account recently. I opened XXXX banking accounts ( checking and saving ) XX/XX/XXXX and a credit card XX/XX/XXXX. Now all of them are closed by Chase. The reason Chase stated is that I forfeited my Chase points. 

I am very angry with this right now, 1 ) I have n't used Chase for a couple of years. XX/XX/XXXX my credit accounts were closed by chase without any reason, after that, I have n't used chase bank and any their points. 

2 ) I opened banking accounts and credit account successfully through branch and online. There is no problem at all in application. However, Chase closed all my accounts in one month after application, which had bad impact to my credit report and wasted me a lot of time in setting up accounts. From my experience, if bank is not satisfied with my credit, it should n't pass the application at all. I am very confused by Chase 's behavior. 

I hope CFPB can help me solve the problem, keep those accounts, and help me build new relationship with Chase. 

Thank you very much! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have XXXX police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded. 

I informed the FBI, the XXXX and Consumer and before I take further action I wound like you to interfere with Chase and send this complaint on my behalf. 

Thank you in advance! 

Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hi, I called Chase Credit card customer care number XXXX on XX/XX/2017 at around XXXX. 

The executive was n't talking professionally and was n't able to give me complete information. He seemed to be untrained and without sufficient knowledge. Prior to that, he asked for my SSN and asked for account password or security question ( my mother 's maiden name ) to verify my identity. 

I need to know if it is a standard procedure at Chase to ask SSN and account password for verification purpose? But, why shall I share my security question or account password? 

But anyhow, I had to share my SSN and my mother 's maiden name for verification purpose as he was n't giving me option to answer any other verification questions. 

I need assurance that the person to whom I spoke to is a genuine person and my identity details were shared with a reliable customer care executive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I got an advertisement from Chase about opening a XXXX brand credit card. The offer was to get bonus miles if you spend a certain amount on the card. So I applied and spent the minimum, but now they 're refusing to honor the agreement. They claim I was under a different offer with a higher minimum. Never was this disclosed! they did a fraudulent bait and switch to induce me to sign up for this card under false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Well its been 6 months since I been asking Chase told help me get out of this BAD loan that they gave me. My payment was a negative ARM, did n't cover half of the interest or property taxes. 
So Chase told me to apply for the loan modification option, after 4 months going back and forth. Chase finally assigned a negotiator ( XXXX XXXX p. XXXX ext. XXXX ) who told me that he apologizes but he had forgot about my application for loan modification and he will do his best to review the file after 4months. 

So XXXX XXXX made fax all the documents again since he forgot to review my documents 4 months ago, I faxed and even mail the complete application all over again. On XX/XX/XXXX XXXX XXXX finally told me that my application was sent to an underwriter and to wait for an approval. 
After 30 days later I called to check the status and XXXX XXXX told me that the underwriters went on vacation and my application was never reviewed so I had to resubmit my application. 
So I requested for a manager and he transfer the call to XXXX XXXX phone # XXXX ( supervisor ) who told me that XXXX XXXX was new to their department and he will be helping him out with the review of my loan modification for HAMP program. 

XXXX XXXX phone # XXXX ( supervisor ) also told me that all the documents were in and to allow 30 days to have a final decision. So On XX/XX/XXXX. I called Chase and spoke to XXXX XXXX from the Loss Mitigation department who told me that no one was available to provide me with the decision and he hang up on me. 

I called today XX/XX/XXXX and spoke to XXXX XXXX who told me that no one was available but based on the notes my application was removed from modification because the HAMP program expired on XX/XX/XXXX and it does n't matter if I had applied before that time since my application was removed and cancelled. 
It did n't make any sense so I requested for a manager and she told me that no one was going to speak to me since I was no longer covered under the government program and she hang up on me. 

I am very upset at Chase and all representatives that work there since it is not fair that they are coming up with all theses excuses to refuse to help me keep my home. My mortgage payment now became adjustable and I can not longer afford the new payment. I do n't think this is fair since I asked for help before the payment became adjustable. 


I am asking for your help since it is not fair the way that Chase is treating me and my family. all we are asking for is to help keep our home. 

XXXX XXXX

Company response to consumer: Closed with explanation