vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to get a loan modification thru Chase bank since 2011 i have done multiple applications upon their request, and at which time they have had me send material after material and after a long procwss i end up having to do a new application just to start over time and time again ..On at least XXXX occassions i have had my home put into a forclosure situation and followed with a sherriff sale, but have fortunatly gotten these to be retreived.. My complaint is that in the beginning i was informed by the Chase Bank Reps to stop making payments on my home loan and it would help the Modification program to move along faster.. which was untrue alls it did was put me so far behind that i could not catch up, now this is one of the reason they say they cant modify ..I believe this was totally done intentionally, i have sent names and ext numbers of all the earlier representatives to the Executive office only to get a answer on the present not any answers on any of the representatives that had me or informed me to stop paying on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Mortgage company will not modify loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NE

Complaint narrative:
I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my Washington Mutual Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have an XXXX credit card sponsored by Chase Bank. It 's the Chase XXXX card. XXXX and Chase are terminating their relationship on XXXX/XXXX/15 and now Chase is telling me they are going to convert my Chase XXXX card into their Chase Freedom credit card without my permission. I do not want to be transferred into a Chase Freedom card. I am telling Chase not to convert me into a Chase Freedom card but they tell me I have no choice other than to shut the Chase XXXX card down now instead. The problem with that is that the agreement I signed with XXXX let me earn XXXX travel points by using the Chase XXXX card BUT I CAN ONLY KEEP THOSE POINTS SO LONG AS I MYSELF DO N'T CLOSE THE XXXX CARD DOWN. So I ca n't shut the XXXX Chase card down without losing my earned XXXX points. I have told Chase I want them to just allow my XXXX credit account to fade into nothing without me shutting it down because if Chase lets my card fade away ( on XXXX/XXXX/15 ) then that will be Chase killing my card instead of me killing it so in that case I would get to keep my XXXX points. Remember, I ca n't shut down the XXXX Chase card MYSELF ( without losing my EARNED XXXX rewards ) but if Chase shuts down the card on their own then I do n't lose my earned XXXX XXXX points. 

Chase will end my XXXX Chase card but Chase intends to convert my Chase XXXX account into a Chase Freedom account without my permission and against my will. They are imposing a new credit card on me - the Chase Freedom card. They say they have the right to change the terms of the card per the cardmember agreement but they are not simply changing the terms. They are forcing me into an entirely new credit card against my wishes. 

I want them to let my Chase/XXXX card fade out of existence when XXXX and Chase end their relationship but I do not want to actually close the XXXX Chase account myself. I also do not want Chase to force me into their Chase Freedom card without my permission and against my wishes. 

You see, I plan to apply for a Chase Freedom card on my own in the near future and if I do that then I would get a signing bonus of a 15 month ZERO percent interest rate for the first 15 months PLUS {$100.00} for spending {$500.00} in the first 3 months, but I only get that if I apply for the card on my own. If, on the other hand, they forcefully convert me into the Chase Freedom card ( from the Chase XXXX card ) then I do not get that ZERO percent for 15 months and I do not get the {$100.00} for spending {$500.00} in the first 3 months I have the Chase Freedom card. 

They 're basically forcing me into a card that I plan to apply for later, but if they let me apply for the card later instead then I get a nice bonus ( 15 month ZERO percent interest & {$100.00} cash for spending at least {$500.00} in the first 3 months ) and if they get away with forcing me into the card instead then I wo n't get that bonus. 

They 're trying to rip me off. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a letter in the mail stating that I had applied for a card and I had NOT. I tried calling the bank and was put on hold for close to XXXX minutes after being passed around several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a loan thru XXXX XXXX XXXX which they are processing with Chase Financial. On top of my required monthly loan payment, I am paying additional monies in my monthly payments which I wish to have applied to towards the principal balance as authorized in my loan agreement. Chase is refusing to apply the additional payment to the principal balance. They have advised me that they are applying the additional payment towards any future monthly installment payments but they claim that they hold the extra monies in a " separate '' account for future installment loan application purposes. Chase has refused to process the additional monies towards principal as specified in the loan agreement. Any assistance you can provide would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid in full my Chase mortgage on XX/XX/2016 with a refund for over payment on the mortgage which was allegedly mailed to me on XXXX XXXX. It is suppose to take 10 business days and it is still not here. I have made over 3 hours worth of calls 19 in total with no response. I was told I was not cooperating because I did not have a Chase checking account. Please get me my refund check as Chase does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i paid a company XXXX on my visa card.when a problem arrived and i asked my visa for help to retrieve my funds they left me high and dry.i explained my issue to them and they simply told me i was to late.it is my understanding my card company could go outside the initiation time frames.i expected a lot more out of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We refinanced our home with Chase bank in XXXX. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. XXXX was told she has XXXX then I XXXX and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I XXXX. The next year XXXX fell and XXXX and it needed to be XXXX. u can see where we r now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I enrolled into XXXX institute to take a XXXX program. they promised me job placing and that i will have a great job to pay back student loan. I received a grant of {$9000.00}. when I completed the program, I had to call to ask for my diploma and certificate. They told me they would mail it to me and call me back which I never received either. I now found out the school has been through a lawsuit and has been shut down. and they have over charged me for the program which added up to {$16000.00} and now forced me to be in debt for a scam they did to all students.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I would like request a review of our previous Chase mortgage account. In XXXX XX/XX/XXXX, I requested to have a payment deferred to assist with paying for my daughter college tuition. A severe car accident made my daughter realize that she was better suited for XXXX instead our original college arrangements. Unfortunately, the timing of the situation created a financial burden. I had obtained a XXXX job but it would take some time for the income to make a difference. I contacted Chase to make the arrangements. I was instructed to make the following payments on specific dates, usually after XXXX & was informed it would only have a slight effect on our credit, nothing to compare to if I missed a payment without these arrangements. Later we starting receiving notices of foreclosure & we contacted that mortgage company. They stated that their system does not recognize the payment arrangement & we should ignore them. 
Recently we contacted our bank to refinance a car & they mentioned that it seems it affected our credit as a foreclosure. This same bank also does our taxes & they said the amount of interest we have paid for XX/XX/XXXX & XX/XX/XXXX is as if we completely refinanced our house. Shortly afterwards, I looked at all of the interest statements & the amounts were very erratic. I really believe something went terribly wrong with this deferred payment and it seems to permanently affect our credit & our finances.

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
Chase Bank did not pay my homeowner 's insurance policy from XXXX which was due by XXXX XXXX, XXXX. I have an impound account with Chase Bank and Chase collects my money every month in order to pay my taxes and insurance on my behalf. The impound account was mandatory and I did not have a choice to not have the impound account. 
My insurance is with XXXX and the amount for that year of coverage was {$710.00}. Because Chase did not pay the bill from my impound account, the policy was cancelled. XXXX mailed Chase the renewal invoice on several occasions but never received payment. 
Chase put a forced placed policy and charged me over {$3000.00} for coverage beginning XXXX XXXX XXXX through XXXX XXXX, XXXX. Had I not called in to ask why my payment has gone up so drastically over the past year and a half, I would never have learned that they did not pay my insurance but rather paid their own insurance at a rate of 4 times higher than my policy. 
I have spent weeks trying to resolve this with Chase. The supervisor, XXXX XXXX, is very rude and denies any liability. He claims he will not authorize a refund. 
My payment has become too high for me to afford. I know there is foul play going on with this force placed policy and I request CFPB investigate this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a contractor who fraudulently endorsed a third party check with my mortgage company 's endorsement instead of sending it to my mortgage company the contractor deposited it into his checking account which was JP Chase Morgan. My mortgage company then filed the appropriate documents which were affidavit confirming that the endorsement on the check was not their endorsement. JP Chase states that they are willing to return the said funds but claim that they will only do this if my mortgage company send them documents of my mortgage history. My mortgage company advised me against such an agreement stating that the affidavits from them should be sufficient enough to have the said funds returned and that what JP Chase bank is attempting is illegal. It is my belief that JP Chase is aiding and abetting the crooked contractor who believes that the unauthorized work he completed on my home should be offset from his fraudulent activity. In fact JP Chase refuses to communicate to my mortgage company as to why they are requiring my mortgage history. I know that the crooked contractor threatened to file a lien on my property if he did n't get paid which he is allowed to do on his own accord, but it looks as though he has involved his bank JP Chase in his criminal activity. He is more than welcome to file a complaint with his attorney for the unauthorized and shoty work he has done to get this situation resolved. JP Chase Morgan Bank is attempting to extend the process by asking for my mortgage history which they were aware my mortgage company would not agree to therefore causing a stalemate situation. My mortgage company believes that once JP Chase Morgan is in reciept of my mortgage history they will release the check fund to their client.

Company response to consumer: Closed with explanation