vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I opened a CC with Chase - Slate. I activated the card by transferring XXXX to the card. I live out of the country part of the year and have someone handle my accounts when gone. After being out of the country for XXXX weeks I returned and found that we had not received my first statement from Chase. I immediately contacted them explaining the situation, they indicated that they would send me a duplicate statement. I received this statement and made the required payment. Since that date i have received my statements without trouble. However I recently reviewed my credit report and Chase has me as not making these XXXX XXXX payment which has significantly lowered my credit rating. The Chase account now has a zero balance and they tell me that in that they did not get the statement returned to them by the XXXX they can not do anything about the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
While I was in school, I believe my student loan servicer, NelNet, recommended that I put my account into forbearance. I contacted NelNet to provide the dates when my student loans were in forbearance but I received communication stating they could not provide this information. I need assistance to obtain this information, as I think I was wrongly told to put my account into forbearance when I was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Lender : Chase Home Finance LLCLoan # XXXXI tried to assume my loan, which servicing by Chase, but received decline which I do not believe was fare and justified. My Bankruptcy was discharged more than five years ago, all derogatory accounts on my credit report were as part of my bankruptcy. After I received my loan modification in XX/XX/XXXX, I never was late on my mortgage payments, but because of my past bankruptcy my payments were never reported to credit bureaus, which had negative effect on my credit score. 
I have legal XXXX family house, and according to conforming limit in our area my loan amount can not exceed {$800000.00}, which if way above of my outstanding loan amount. 
I 'm single mother with teenager daughter living and maintaining this house after my divorce. During the divorce proceeds house was left to me and my daughter, and court ordered me to complete assumption within one year. 

My current mortgage is much higher than my property value because we bought this house on the peak of the real estate market and during the recession value of my house has dropped. As of XX/XX/XXXX, my outstanding unpaid balance around {$520000.00} and deferred principal balance {$57000.00}, and my house marker value around {$540000.00}. By selling the house I will end up owing the bank substantial amount of money which I do not have. Therefore, to sell this house or even do the Short Sale this will have excessive negative financial effect on me, will affect the credits, reporting canceled debt as income to the IRS and paying taxes under the capital gain, and/or layout money at the closing. I can not sell or refinance my house. 
I do not see any valuable reasons for Chase to decline me for loan assumption when I 'm a good Chase customer who never miss or been late on mortgage payments. 
I truly hope that Chase Home Finance will consider working with me and I am looking forward to assume the mortgage so I can move on. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
car was total ins co sent ck over. Bank needs to process gap ins claim, also XXXX needs to be refunded to me on ext warranty that was cancel.. 

2. XXXX needs to be refunded as my tax return was not process tax act. 

3 XXXX XXXX refunds are to refunded from XXXX as they were return and was informed not to hip any more product. 

the last time i heard from bank was early XXXX, the above needs to be credit to my act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to modify my loan to make it more affordable but Chase would not modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase lowered my credit limit. This was done even though I have XXXX accounts with them and have never been late or missed a payment. By lowering my credit limit my ratio of balance to limit will hurt my credit score through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX and his wife had a XXXX XXXX, XXXX mortgage with XXXX, a New Jersey corporation, for {$240000.00}, which was a first mortgage ( since prior mortgages had been paid off ). In XXXX XXXX XXXX XXXX and Chase Home Finance LLC, apparently acting as a debt collector entered into a loan modification agreement. XXXX XXXX believes that his required payments have lately increased in a manner that he believes is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I notified my bank that check # XXXX {$1300.00} was endorsed by someone other than XXXX XXXX. XXXX XXXX and I called XXXX XXXX XXXX. When we got no response or cooperation from them I filed a complaint against them with CFP # XXXX. I was then contacted by BofA and was told to file a claim with my bank, which I did. Not XXXX but XXXX because the first person did n't do it correctly. On XX/XX/XXXX Chase sent me a letter stating that they received my affidavit and was told that it could take 30-90 days. On XX/XX/XXXX I called Chase and spoke to someone called XXXX and spent XXXX min. trying to get the status and to speak with a supervisor. None was available except that they were waiting for BofA to respond. I then filed another complaint against XXXX # XXXX and was once again informed by BofA that they were waiting for Chase to contact them. Today I went to a Chase branch and after having expressed my frustration to a CSR, She called the Fraud department and she became frustrated when she was informed that there was no manager available. She was given the same story about it going through a process. She was trying to inform XXXX that it has now been 4 months and it should not have taken so long especially when XXXX stated that they were waiting for Chase to contact them. I now want to filed a complaint against Chase Bank XXXX investigation for following through with proper procedure in a timely matter with my claim # XXXX. Four months is a long time to wait for something that was complied with on my part for all parties involved. Chase Bank has been negligent to expedite my claim in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I had been making extra payments to the principal to lower the LTV ratio to remove the PMI insurance from my loan. Once my LTV ratio was 77 %, I asked that the PMI be removed. Chase informed me that I could pay for a BPO {$110.00} or appraisal $ XXXX-XXXX to remove the PMI before it would automatically remove on the scheduled date. I contacted Chase and was told that a waiver would be submitted for the XXXX fees. I received another letter stating I must pay {$110.00} for a BPO to remove the PMI from the loan on the scheduled date and the LTV ratio is now 76 %. Also, all payments have been made on time and I am in good standing on the loan. A quick scan on the internet estimates the home to be valued at double the loan amount. I have n't found anything in regard to laws that prohibit lenders from charging consumers to remove the PMI once the loan hits 78 % LTV ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, Sorry to bother Chase and the Consumer Protection Bureau again regarding this matter. I have been unable to resolve thus far the matter with the unauthorized charge to my credit card account that was closed because of this action. 

I have contacted XXXX and submitted a formal complaint and have not received any response. So I took the next step to filing a complaint with the Attorney General in the Consumer Protection and submitted the contract with proof that my credit card was bill erroneously. Since then my account still has not been credited and my account in submit to being cancelled per attached letter. I do not want my account cancelled. I can not afford to pay {$2800.00} that I did not authorized payment for. I am working on resolving this matter and that is why I have reached out to the Attorney General 's office for maybe some assistance. I have already spoke with and attorney who said I was not the party to be charge per the contract. I understand the situation and I am doing my best to reach out to someone at XXXX to issue this credit back to Chase so they can get their money back. I am trying. Its not my fought and I am morally do n't want to leave Chase holding the bag. So I will resolve this issue XXXX way or another. Please do not close my account until I can get this account back in good standing. This is my account I use for my mortgage business had to pay my bills and mortgages and tenants have access to pay their rents so mortgage payments can be deducted from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received XXXX XXXX from Chase bank in XXXX of XXXX. These cancelled the debt 's I had owed them on XXXX credit card accounts. They continue to report these accounts as late and with a balance, even though they were charged off in XXXX and cancelled effective XXXX XXXX. I paid the taxes on the cancelled debt as income on my XXXX tax returns. I have disputed this information multiple times with all three credit reporting agnecies and Chase always refuses to change the informaiton. I have attached the XXXX XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan. 
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing. 
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now. 

What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.

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

Complaint narrative:
I have applied for a loan modification on XXXX. I was told to apply and had to reapply my application 4 times the same application for one purpose a mortgage a modification. After 5 months I have received a letter from Chase Bank Mortgage servicer dated XX/XX/XXXX stating that I denied. I need detailed information for the reason my application for loan modification was denied for. Now I 'm facing Foreclosure on my home I 've lived in for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying to a modification of my mortgage with chase. this loan was finance by XXXX and services by first washington Mutual and was moved to chase went washington mutual went under. 
Its has been a night with chase since taking over the servicing of my loan. i felt behind due to illness and my job moving oversea and have been try to modified this loan for the past four year with chase. 
First the gave me a balloon payment option with was accepted after i was pressured by chase with treat of foreclosure. 
I have being in this residence in the past 17 years, and for the past four years have been making successful trier payment and without a modification at the end of it. 
Chase is attempting to modified my loan at a 3.5 % for 40 years with a payment of {$1700.00} above all other payment ever made for this property after 17 years. How just is this modification. I need help reviewing this documentations and the right decision made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
This particular gentleman who called himself XXXX XXXX contacted my employer specifically my boss and assistant boss and revealed information that I owed a bad debt and verified my employment threatened to take me to jail. I have XXXX voicemails and several screen shots of where this gentleman has called me numerous times in a XXXX minute span. Threatening voicemails he leaves in my phone.

Company response to consumer: Closed with explanation