vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a single member LLC. I changed my LLC name slightly, but many of my business fees were still being paid by checks made out to the original name-my name plus LLC ( both the new LLC name & my name our on my business checking acct ). For several years, I never had any trouble depositing these checks to my account, until XXXX, 2016. XXXX XXXX of Chase 's XXXX, IL XXXX, refused to take my deposit, cause of " improper endorsement ''. I had to catch a plane, so I took the deposit back. 
While our of town, my office staff informed me that their payroll checks were denied. I called Chase & was told " my account was frozen. '' No one would tell me the reason. I was told by the bank rep that " our relationship was over. '' After making several inquiries & complaints to the bank, I was told that my account would be unfrozen in one business day. 
Upon my return, I met with XXXX XXXX ( branch mgr ) & XXXX XXXX, business banker. They dealt with me in an accusatory manner, for incorrectly endorsing checks. They stated that their actions were " not a mistake ''. Moreover, the XXXX, IL branch, ( where my billing service deposits checks sent to them on my behalf ) was told not to accept " improperly endorsed '' checks from me & this continued for up to 2 weeks time. The XXXX tellers were apparently told to watch out for me, as they alluded that they were aware I had discussions with the branch mgr .At all Chase branches I have used, I was allowed to make these deposits for years.These actions seriously impacted my cash flow ; caused embarrassment for NSF checks returned to me ; made me obligated to pay NSF fees ; had to pay wire transfer fees to repay my payroll service for covering my employees payroll. 
I had my business account with Chase, as well as XXXX personal accts. & my home mortgage. I am leaving Chase & moving all XXXX accounts out of that bank. 
Holding my hard earned money hostage without any due process is despicable. I have been a good, honest client with this bank for approx. 10 years. I want all of my out of pocket fees covered & I want to see XXXX XXXX & XXXX XXXX fired or reprimanded at the least, with a personal apology letter to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I use to bank with Chase Bank from XXXX, until I had fraudulent activity on my account Chase treated me very poor so I closed my accounts, so I thought. Chase Bank only closed XXXX which was the XXXX where the fraudulent charges were on and kept my XXXX account open from XXXX until XXXX. XXXX XXXX, 2016 they closed the account and sent me a paper in the mail stating so. They then sent me a statement of debt in XXXX to get on a payment plan or pay in full but before I could do a payment arrangement, an incident occurred. The incident that occurred started on XXXX XXXX, 2016. I was in good standing with Chase bank at the time and paid XXXX dollars in tuition for school to be federally reimbursed through the government. They reimbursed {$1200.00} of my dollars back to the debit card in which I payed tuition only because federally they have to return payment the way it was payed. The card was closed and so was the account. When I called Chase Bank to see where the money was they said the money was not received and that if the money was to come in by Law they had to return to sender because they cant take things such as taxes or tuition without permission as a payment, that 's outside of their guidelines and restrictions, yet today XXXX/XXXX/16 they took the funds and used them towards the debt owed. When I asked them how can they do that first they said it was a claim, so they took it then when I said NO, that is impossible not for a closed account, he then put me on hold and said well the debit card was linked to the delinquent account but its not. The delinquent account was closed in XXXX by the fault of Chase so they made the XXXX account delinquent. So how is it possible they take my tuition money and can keep it? Is that even legal? If so I want proper information and the guidelines on why Chase can do so, if its federal money and a closed account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XXXX/XXXX/2016 CHASE VISA XXXX XXXX XXXX XXXX IMPROPERLY CHARGED XXXX XXXX {$19.00} ( XXXX ). 
THERE IS NO LEGITIMATE BASIS FOR THIS CHARGE. XXXX XXXX NEVER AUTHORIZED XXXX TO CHARGE HIM ANYTHING. EFFORTS FAILED TO GET XXXX TO CEASE AND DESIST. 
XXXX XXXX XXXX BACK {$19.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Sale XXXX {$19.00} Print XXXX, WA XXXX US Online, Mail, or Telephone transaction Rewards earnedXXXX+ 1 % ( XXXX Pt ) / {$1.00} earned on all purchases XXXX Total rewards XXXX Points

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: NY

Complaint narrative:
Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My personal information was stolen and used to open at least XXXX bank accounts and to obtain at least XXXX loans from the below listed companies. Apparently all fraudulent accounts were opened online with no confirmation in person. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All companies were sent 609 ( e ) requested per FTC guideline by certified mail and were delivered no later than XX/XX/2016. None of the companies have responded with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I work with XXXX on behalf of the seller to help facilitate their short sale. I have uploaded and submitted all the documents needed for this short sale months ago and the investor/Chase is holding this file without any viable update on this file. It has gone from negotiator to negotiator and nobody has any answers. They are stalling the resolution on this file for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Mortgage payments made to EMC Mortgage from XXXX thru XXXX were reported as 120 day late by JP Morgan Chase. Chase finalized a Hamp modification loan on XXXX. All payments prior to this date were made to EMC Mortgage. Chase has considered these payments as late yet in their own records of the account activity report for this mortgage, payments were posted as on time. No Late Fee 's Assessed. Chase refuses to correct this error even though they have been supplied with the documentation to prove their error. XXXX has also received copies of the account statements as I have disputed this non accurate reporting. NOTE : Chase has since sold mortgage to XXXX in XXXX XXXX. Chase no longer owns this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Closed account showing Open Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My wife and I have been trying to work with our mortgage lender to re modify our monthly payments. The process has been quite lengthy in comparison to what the lender originally told us for how long it would take. For some time we have been submitting documents in multiples because of reasons the lender has given, such as "they could not read a letterhead". or "they did not receive a particular document". Our personal file has grown to some size with everything we have sent to them at their request. Also it seems as though we have been assigned to someone different every few weeks. They claim to have made calls to us but we do not have any record of them calling. If we needed to verify anything, it was my wife or I making the contact. During this entire time, we have been instructed by the representatives of the lender to not make any mortgage payments until we receive confirmation of the re-modification. We are asking for the re-modification due to our serious change in financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I wired my Aunt {$1000.00}. The wire was sent from XXXX of my XXXX XXXX XXXX accounts to her checking account with JP Morgan Chase. It did not go through. For whatever reason ( I was told that her account could not accept a wire transfer ), JP Morgan Chase refused the wire. They subsequently returned {$960.00} to my account, charging me {$40.00} to refuse the wire to my Aunt, who desperately needed the cash. 
My Aunt is a bit old. I have not asked her to find resolution on her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 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: CO

Complaint narrative:
Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check in the amount of {$1500.00} to a business ( with a business name ) in XXXX Texas on XXXX/XXXX/XXXX. The check was stolen and deposited into someone 's personal account at XXXX XXXX. It was not endorsed by the payee but instead signed by an individual. Yet Chase bank ( my bank and the payee 's bank ) honored the check anyway, took the money from my account, and paid the individual that was not the payee. 

I learned of this the following day and notified Chase bank. They required me to fill out and submit an affidavit. Which I did immediately. Months passed and I followed up every week, then In XXXX XXXX Chase requested and affidavit from the Payee. That was done immediately. 

Since then I have gotten the runaround, and still my money has not been returned. I have supported their efforts to find the thief, yet more than 5 months have passed and Chase refuses to return my money until they get the money back from the thief, even though they paid the thief, someone other than the payee. I have no control over that. There was no fraud on my end. No one claimed to be me, nor did they claim to be the payee. The check was stolen and Chase paid it without verifying they were the payee. This is their mistake, not mine. 

I have called the Chase fraud department almost every week trying to come to a resolution, and they have no news or updates. For months they tell me they are researching this. 

Moreover, they have been rude and even threatened to hang up when I ask for a manager. 
I feel I have no recourse to get my money back other than to sue Chase ( which I really do not want to do ). And so two weeks ago I told Chase that I feel the only way I will ever see my money again is to sue them. 

The next day I got a call from my bank manager saying that Chase fraud department told her that they are closing the claim because I threatened to sue them. 

How can they do that? 

Last week I called Chase 's Executive office and they said they 'd resolve this in 48 hours. Since then they have not called me back. I have called there two more times and I was told that someone would call me back that day, but no one has yet to call me. 
I realize that I really do have to go to court to get my money back. This is not right because they should not have paid someone other than the payee. 

I am also reaching out to you in the hope that there 's an easier way than court and also to find out of there is any other way for me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: VA

Complaint narrative:
My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.

Company response to consumer: Closed with explanation