vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a Chase Sapphire preferred card around XX/XX/XXXX at the XXXX XXXX XXXX XXXX branch office in XXXX, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only XXXX inquiries including this application. I wrote to the branch manager on XXXX XXXX but did n't receive any response. On XXXX XXXX, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Chase when it rejected my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I believe I am victim of Mortgage and Mortgage Servicing Fraud. JP Morgan Chase and XXXX XXXX XXXX. are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

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: LA

Complaint narrative:
Auto debit on Nelnet is not doing what it advertises and taking automatic debits from my account on the due date. I 'm not behind on payments but they put me in a status that is " no pay hardship kwikpay ' and I never requested that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: GA

Complaint narrative:
I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is reporting an account to my credit report that does not belong to me. Originally there were XXXX of these accounts, but Chase correctly removed XXXX of them. However, the XXXX account is still being reported on my XXXX credit report with a negative payment status and history. These accounts were my wife 's accounts and I was only an authorized user, a fact that is clearly verified by the information reported on my report. Since the account has a negative status and I had no payment responsibility for it, the account should no longer be reported on my report. I have disputed all XXXX accounts both with the credit reporting agencies and with Chase directly and, in fact, all XXXX of the accounts, were removed from my XXXX and XXXX reports. XXXX of the XXXX were also removed from XXXX, but XXXX continues to be reported. Although it is possible that XXXX could be at fault for refusing to remove the account, Chase bears ultimate responsibility for the information they report to my credit report, so I request that the CFPB instruct Chase to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has a fraudulent credit card listed in my name. I have sent them several letters and a copy of my identity theft report from the police in my city. They are trying to hold me liable for this debt that I had no part in creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Chase United Business Club card for my small business. I am XXXX of XXXX owners of an LLC. I was told by Chase when opening the card that I would be able to get cards for the other XXXX owners of the company with similar usage rights. The card has an annual fee of {$450.00}. After XXXX of my business partners went to use the card at the airport and was told that I needed to be present to allow him XXXX. I specifically asked Chase prior to opening the card as to whether this issue would happen - they assured me that it would not. I then called to have my partners added to the business as owners and Chase told me that they could not assign additional account owners to a similar federal tax ID. I then asked to cancel my card and have them refund me the {$450.00} annual fee as I could not use the card as they told me I could. They also told me they would not refund me the {$450.00} because it was beyond XXXX days. They whole enrollment process and information surrounding this card was incredibly misleading and confusing if not downright fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Deutsche Bank
State: AL

Complaint narrative:
XXXX qualifies for temporary hardship forebearance as stated in XXXX XXXX XXXX ( XXXX ) policies that allows 24 months in three-month increments. XXXX has applied for three 3-months and approved immediately. XXXX applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. XXXX applied electronically this time as suggested by XXXX ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. XXXX called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. XXXX called again this a.m. to inquire about the approval and was told that Deutsche Bank ( provider ) noted it was still in review. Deutsche Bank is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was placed on the long term modification program to alleviate my financial difficulties. I have now been out into default because chase did not put the past due balnce into forbearance as the XXXX rep told me would happen. Now all of my loans have become accelerated and are asking me to pay all loans in full. I can not do this, I am barely able to make lower payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL, INC.
State: ID

Complaint narrative:
They are calling at work and continue to call even after I have told them not to. They ask for personnel information, before they will tell me who they are or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My due date was on a Sunday, XXXX/XXXX/16. The payment was delivered on Monday, the next business day, and yet I was charged a {$25.00} late fee. I have never made a late payment in the lifetime of the account and I am concerned this is an intentional practice to extract late fees for payments that can not be delivered on days when banks are not in session.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
At XXXX XXXX on XXXX XXXX, 2016 I received an email from XXXX that I had been approved for an Amazon.com Rewards Visa Card and that my credit limit was {$5000.00}. The email also included a link to add my new card " ending in XXXX '' as the default payment option to XXXX account for future purchases. The email said further that I should contact Chase for questions on my credit card agreement and that I would receive my card within two weeks in a plain white envelope. Finally, there were instructions for how to go to my Amazon account to view my {$80.00} gift card balance -- my bonus for establishing this new Amazon Visa. 
I did not apply for this credit card and had no knowledge of it until yesterday -- the date that I supposedly applied for the credit card. So early today, XXXX XXXX, 2016, I called Amazon and they immediately transferred me to Chase Bank. During the next 45 minutes I spoke to XXXX people in XXXX different departments, explaining to them that although I already had a Chase Freedom Visa Card, I had not requested nor completed an application for an Amazon Visa Rewards card through Chase. No one I spoke with was able to tell me how this account managed to be opened, nor could they tell me how all my personal information, which I had to confirm repeatedly, had managed to appear on the new application for this account. 
After much persistence on my part, the new Chase Visa account was closed. Finally, the Chase Security Dept. agreed to contact the XXXX credit reporting agencies to have the account marked " Fraudulent '' so that my credit rating would not be affected. 
After concluding with Chase, I called the RI State Attorney General 's Office and they referred me to the RI Banking Commission ; because Chase Bank is not present in Rhode Island, they referred me to the OCC. The OCC then referred me to CFPB, the agency that regulates JP Morgan Chase. 
At CFPB I asked to speak to a supervisor who was able to tell me that there had been numerous complaints about Chase and suggesting that I call XXXX to file a Fraud Alert which would then be relayed to the other XXXX credit reporting agencies. I did this and am now following through with an online complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank charged an unauthorized {$70.00} against my bank checking account number XXXX. I dispute this charge made XX/XX/XXXX PST against my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
i have nothing to do with this accont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out an auto title loan with Wilshire Consumer Credit on XXXX/XXXX/XXXX. I had a XXXX GMAC Envoy worth about {$6000.00}. I took the loan out for approximately {$3500.00}. 
The vehicle motor gave out at {$200000.00} miles. I requested that the lender pick up the car to settle the debt. They picked up the car and sold it in auction. I never received received any documentation of the settlement. I was told vehicle was sold. This company is reporting this debt in all XXXX XXXX repositories, XXXX, XXXX, XXXX as charge off XXXX balance due. They have a DBA called Westlake Services that is reporting on all three repositories, XXXX, XXXX and XXXX open date XXXX/XXXX/XXXX. This is 12 days after Wilshire Consumer Credit report date of XXXX/XXXX/XXXX. They are the same company. I need this creditor to to remove the creditor Westlake Services with a balance of {$4700.00} to match the XXXX balance as reported by their sister company Wilshire Consumer Credit that shows a XXXX balance. I need the balance of Westlake Services Services as XXXX owed or they need to delete Westlake Services from all the repositories.. This negative balance odf {$4700.00} is affecting my credit utilization on all three repositories. If you look up the reviews with Consumer Affairs and the RIPoff report. This company has a bad reputation. I need my credit report XXXX with this balance of {$4700.00}. They are trying to ruin my credit by trying to report the same information differently. Please have this auto title company remove this balance. I do n't owe it. It should match the same history report as a Wilshire Consumer Credit. 

Thank You, XXXX XXXX : - )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2016, I went into my Chase Branch on XXXX XXXX XXXX in XXXX to deposit cash to my account via the ATM. The ATM rejected the deposit stating that this was not an allowed transaction. Thinking something was wrong with the ATm, I went in to make the depoait at the XXXX. The teller prepared the documents for deposit and then told me that the account was restricted and I needed to speak with the Officer on the floor. I went to speak with XXXX, the Officer on the floor that day and he looked up the account and verified that this was the case. He asked me to get ID and then he called the XXXX # on the screen and they proceeded to tell him that they could not advise him why nor could they tell me the reason but that I should wait for a letter. The letter never came that explained why they restricted my account, no advice prior, no notice and I had outstanding transactions against the account. XXXX verified that I could remove the funds that were in my account, which I did, and then I paid my rent by depositing cash to my landlords account instead of Chase pay like I normally do. In the interim I also had XXXX other bills that I paid via debit card and there was funds to cover ALL transactions with the deposit that I was making that day. Instead, they cleared the outstanding transactions the next day with no funds in my account and had the audacity to then charged me an overdraft fee too. They the closed my account on XXXX XXXX and sent me a letter stating that the account was closed due to an overdraft situation, which never would of occurred had they not forced me to remove my funds due to the unknown restriction on my account. Furthermore, prior to my going to the bank that afternoon I would not have known that this was the status of my account. I want to know the reason WHY????? the account was restricted, which was the status on XXXX/XXXX/2016. Not the reason that they put on the letter because that was an after fact - dated XXXX/XXXX/2016 after they made the mess that I am now in. They then turned the account to collection immediately after this all happened without any explanations. I want the negative reporting removed from my account as they did not even give a chance for any restitution but took adverse action to cover their mistake and lack of reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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 accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.

Company response to consumer: Closed with explanation