vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE : XXXX accounts were closed by Chase Bank and the reason given was basically " because we can and we feel like it ''. However, to date only the money in XXXX account has been returned in the amount of {$61.00}. The money in the other account has not been returned in the amount of {$270.00}. Further there were XXXX {$12.00} charges totalling {$48.00} assessed to the account even though the deposit items in question were the fault of XXXX, who made good on the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a home mortgage with Chase. I had an overage in my mortgage escrow account ( due to my property taxes being reduced ) in the amount of {$5100.00}. I requested a refund of this amount and was told it would arrive in 5-10 business days. The check never came. I called Chase to find out why, and was told the check was never sent because they had to call the county to verify. I told them this money was based on an overage for XX/XX/XXXX and had nothing to do with next year. They claim the county told them my taxes would increase from {$1400.00} to {$3700.00} in XX/XX/XXXX. This is not true, so I told Chase to figure my escrow based on property tax in the amount of {$1500.00} and to send me my money. 
I received a check for {$4500.00} and a new payment based on a projected tax payment of {$3700.00} not {$1500.00}. 
I believe their actions are a blatant attempt to hold on to my escrow overage and to get me to over pay my escrow for XX/XX/XXXX so they will have to use of my money for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Mortgage with Chase Bank that is a XXXX account. I was denied a loan modification from Chase many times. I send all of the papers that they ask for and they continue to ask for the same information over and over again. Every time they deny my loan modification. Chase is impossible to work with. Now they are trying to foreclose on my home. I am a VETREAN XXXX. All I have been asking for is help from Chase. There are payments and escrow money missing and ca n't be accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase bank do not no longer want to do direct deposit from annunitys into a personal accounts unless the exceutor and the benifuarys name is on the account together. I think that is bad banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I went to cash in an original Certificate of Deposit from Premier/Chase bank which was issued in XX/XX/XXXX. I have received XXXX on the certificate through XXXX and none thereafter. I noticed that on XX/XX/XXXX XXXX, a zero was left off of the certificate number. Chase is claiming they have no record of my certificate and therefore are not responsible for returning my earnings even though I have the original and the back was never signed. It has been confirmed through unclaimed property that the funds were never turned over to the state, therefore Chase still holds my funds. The executive Dept. of Chase bank is claiming they are not required to keep my investment records past 7 years so I just lose my money even though the certificate states automatically renewable and has no expiration date. I am assuming my money is drawing interest all these years as this is the verbage directly on the document. I have been a customer with Chase for over 30 years and have always lived in the State of Louisiana. Contacting me was never an issue. My parents currently live at the address listed on the document. I have attached a detailed timeline along with scans of the certificate, which I hold the original, and XXXX forms. As you can notice on the timeline, this has been a very lengthy process, and I have exhausted every avenue possible with Chase in order to retrieve my investment funds. Chase is claiming that the funds were abandoned since there was no activity however the funds were never turned over to unclaimed property. I am certain that purchasing an investment cd is specifically designed not to be touched in order to achieve maximum benefits which is the reason there was no activity and it clearly states " automatically renewable ''. If indeed Chase did decide these funds were abandoned, what are the guidelines they must follow to turn the funds over as unclaimed and how many years are they required to keep records? Is Chase not responsible for giving me information as to what they have done with my funds I entrusted to them as an investment? Are they allowed to " lose '' someone 's money and not be held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
chase bank refused to do a refi -- I ask them to transfer the appraisal to another bank -- -said it was not their policy to do so -- can they be forced to transfer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank refuses to stop flooding our business mail box with unwanted, non-recyclable paper junk mail. This is despite several written request to stop for the past 2 years, and even filing a complaint with the XXXX in New York XXXX. The mail is addressed generically to " Our Neighbor ''. 

Chase Bank claims on their web site how " green '' and environmentally friendly they are. What a joke! Just another hypocritical big bank that floods the XXXX with unwanted junk mail while their management makes off with millions. " Green '' - Yeah Right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2006, I purchased a home in XXXX, California for XXXX. My down payment was XXXX. XXXX was the lender and unbeknownst to me, I was put in a negative amortization loan, also referred to as pick a payment loan. This loan caused my XXXX balance to increase to XXXX on an interest only loan. The loan has been resold several times and my current lender is not interested in voluntarily reducing my interest rate or refinancing my loan. My payments are current and I have never been late. I am a victim of predatory lending and would like some assistance or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank raised the interest rates on my Chase XXXX Credit card, my Chase Slate Card, my XXXX XXXX XXXX Card from the current 19.24 % to 24.99 % for cash advances. this represents a 29.89 % increase. Chase also raised the Balance Transfer fee from 3 % to 5 %, which represents a 66.7 %. This is outrageous and I believe it enables them to act like loan sharks. They have also raised their late payment and return payment fees exorbitantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MarkOne Holdings, LLC
State: FL

Complaint narrative:
MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2015-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This complaint is in regards to how XXXX and their card issuer Chase manages refunds/credits in a foreign currency. My complaint is that XXXX and/or Chase is applying a different exchange rates to customers depending on if the transaction is a purchase or a refund. This difference in exchange rate is not insignificant ( 1-3 % ) and appears to effectively be an undocumented fee. I experienced the following XXXX examples of this recently : On XXXX XXXX, 2015 a charge for {$40.00} XXXX was made by XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$32.00} United States Dollars ( USD ). This charge was in error, and a refund was issued immediately by the vendor for {$40.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$32.00} USDOn XXXX XXXX, 2015 a charge for {$180.00} XXXX XXXX Dollars ( XXXX ) was made by XXXX XXXX XXXX it posted on XXXX XXXX using the exchange rate XXXX resulting in a charge of {$130.00} USD. Part of this charge was in error, and a refund was issued immediately by the vendor for {$20.00} XXXX on XXXX XXXX, it posted on XXXX XXXX with an exchange rate of XXXX resulting in a refund of {$14.00}. 

In the above XXXX exampled even though the return/refund/credit should have resulting in a net charge of {$0.00} USD, they did not - and in effect I was charged for the privilege of purchasing and returning an item. I have contacted Chase XXXX times to date without an adequate explanation for the use of XXXX different exchange rates. I am requesting an investigation by the CFPB if this practice is fair or deceptive. Thank you for your time regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was defrauded by XXXX at XXXX that have also defrauded XXXX also by selling an wrecked carthat has an bent frame that was a totalout car that is worth only $ XXXX-XXXXand that 's only selling the car as parts XXXXshowed me Car Fax that said car neverbeen wrecked purchase car in XX/XX/2013and the car is an XXXX Kia Optima thathad only XXXX miles on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My private student loan had originally been serviced through XXXX since beginning repayment in XXXX. When I tried making my XXXX XXXX payment it showed I owed {$0.00}. I contacted XXXX and they stated my loan was transferred to a new lender and that I would be receiving letters in the mail with details. The only letter I received was on XXXX/XXXX/XXXX from FirstMark Services ( my new servicer ) stating that I was behind on payments from missing the XXXX XXXX payment. I emailed FirstMark Services on XXXX/XXXX/XXXX to get more information regarding the situation. I did n't even know who my new servicer was to make a payment. XXXX replied on XXXX/XXXX/XXXX apologizing and that they would look into a forbearance option to catch me up on payments and get back to me. They finally called me on XXXX/XXXX/XXXX. In between those dates, my co-signer and I continued to receive harassing phone calls. As I spoke to the gentleman he informed me that they were ready to begin applying for a forbearance but I would have to verbally apply first. I thought this whole time they were already processing the forbearance due to their mistake. I completed the verbal application and the man informed me that there is a good chance that I would be approved. However, I had to first fill out the application and send it into FirstMark. I tried re-explaining my entire situation because I do n't think they fully understood. But all FirstMark kept stating was that it did n't matter if I never received information I was still responsible to repay my loan because I signed the Promissory Note. I completely understand this but I did n't know who to send my payment to. The representative stated next that it would take some time for them to gather the forms and mail them to me. And if they did n't process it by the XXXX of XXXX that it would be reported on my credit. I asked if there was any options to expedite me receiving the application to avoid this, maybe if I could get the form myself online or if he could email me the forms. He stated that he would email the forms to me and I would be able to receive it within 2 days using this option. This helped ease my mind a bit. Unfortunately, as I am writing this today it is XXXX XXXX and I have not received any emails or letters with the forms I need. This means this entire error they have made will now penalize my credit. FirstMark Services just seems to be playing games and not willing to assist in anyway. I made payments for 8 straight years with XXXX never missing XXXX from XXXX to XXXX XXXX. Now, under FirstMark things have fallen apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was contacted on XXXX XXXX, 2015 in regards to a past due payment. I notified the gentleman on the phone that I had scheduled a payment through their online system to come out XXXX XXXX. This gentleman said that he had no record of a scheduled payment, and that I needed to set up a check by phone. I agreed as long as the payment would not be taken out twice, as well as discussed a plan to bring the account current. On XXXX XXXX, both payments were taken out of my account, overdrawing my bank account to the tune of {$500.00}. I contacted Chase and the rep I spoke with sent me through XXXX tiers of management and promised me a call back about a refund that needed to be approved. I called today to find out what the status was, and was informed that, even though they took the second payment ( I only authorized ONE payment ) it would put the account past due and they would not issue a refund. I expressed my concern with this, as I still sit here {$500.00} overdrawn in my bank account, and was basically told, on the bright side, your account is current. No offer to rectify the issue that THEY took a second payment that I did not agree to.

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

Complaint narrative:
I filed a complaint about chase credit card refusing to cancel my annual fee card in 2014. I finally did get a letter and they either did not charge me or they credited back the annual fee. They switched me to a non annual fee card. I had noticed that the computer was full of complaints about chase credit card doing the same to others. 
Today I received a call from a XXXX XXXX who said she was from Chase credit card and responding to a complaint I had filed. She would not tell me what the complaint was or who it was from. However, she asked several personal questions of me. She said this was for verification? Finally I said she should have this information if she 's really from Chase. I explained that any complaint I made was back in 2014. She then checked dates but said she just got it today. I explained to her what the incident had been and that Chase admitted I had called to cancel my card but the transaction had not been completed by their agent. Chase refused to provide copies of the conversation to me. XXXX XXXX then began to argue with me that all their information was proprietary. Hiding any records from the customer. I told her I did not want to continue the conversation with her. 
I am putting Chase on notice that any future conversation from them to me should be done IN WRITING. The call from XXXX became threatening and I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My father died XXXX XXXX before the will was found and estate placed into probate my brother walked into Chase Bank on XXXX XXXX XXXX Il and removed close to XXXX dollars from a checking and savings account. These accounts were only in my father 's name. My brother was not listed on them. Chase fired the teller and has not replaced the monies as of yet. It is my understanding that they are required to replace monies stolen from any account. Why would the bank not pay these funds back into these accounts? They permitted a theft of the funds - they should pay them back into the estate. If the Bureau needs further information I would be happy to provide it. My desired resolution is for Chase to replace the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.

Company response to consumer: Closed with explanation