vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX my husband at the time, XXXX, purchased a XX/XX/XXXX XXXX At the time of the purchase, XXXX was a XXXX. We financed the vehicle with the military program JP Morgan Chase Bank NA had available. My name at the time of the purchase and repossession was XXXX XXXX XXXX. The address of the repossession in XX/XX/XXXX was XXXX, XXXX Colorado XXXX. 

In XX/XX/XXXX my XX/XX/XXXX XXXX was improperly repossessed by JP Morgan Chase Bank NA. In XX/XX/XXXX, I received checks for {$10000.00} and {$600.00} as well as a letter explaining that the vehicle was illegally and improperly repossessed. The check for {$10000.00} was reimbursed for the payments that were made over the course of the life of the loan. The check for {$600.00} was for the inconvenience of that action. In the process of gathering my tax forms for XX/XX/XXXX I received a XXXX form for the XXXX checks with total " income '' showing as {$10000.00}. I am at a loss why I am being taxed on a refund when the money that I had paid on this car was after tax. This has caused even more hardship than when the car was first taken. I am now paying taxes again for something that was not my fault and I should not have further repercussion for the banks misconduct. Had this XXXX been for the check for {$600.00} ( Lower amount ), I would understand as that money was income above and beyond what was paid on the vehicle. 

The impact this has on me for this tax year is that instead of getting a refund of {$1300.00} from the IRS for XX/XX/XXXX taxes paid in, I now owe {$180.00}. This needs to be remedied on your end as this issue was your error that precipitated this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I owned a Chase debit card that was fraudulently stolen and used for purchases at several retail stores in XXXX XXXX. I attempted to work with Chase but their independent review led them to believe that I was the one making the purchases even though I submit proof that I was in XXXX XXXX at the time of the purchases. Chase then took over XXXX dollars that was in my personal and joint accounts. This has been ongoing since XX/XX/XXXX with a final determination coming in XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A total of {$1400.00} was withdrawn from my account via " Chase ATM withdrawals '' at a Chase ATM in the Chase bank I bank at and originally opened my account at. This amount took the form of XXXX ATM withdrawals in the amounts of {$200.00}, {$200.00} and {$500.00} in a period of a few minutes. Two days later an ATM withdrawal of {$500.00} was done at the same ATM. I have not used this ATM in months ... It 's completely fraudulent, and Chase has told me that they will not refund any of the money because they are ATM withdrawals and they claim it 's impossible for it to not be me. Well obviously it 's quite possible, because it was n't me!! 
I opened a police report over the weekend to hopefully obtain a subpoena so that the video can be looked at and the scammer can be caught. I 've yet to hear anything back from the police however. The police report # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: MI

Complaint narrative:
I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have been working with Chase bank on short sale packets for over three years. In the last 9 months I have submitted all the paperwork they need ( which is a huge amount of information ) at least XXXX times. Each time they have me change an item and resign and resubmit or if they do n't get to the packet within a certain amount of time I have to resubmit everything with updated pay stubs. They have also assigned my case to about XXXX different people and each time those new people want more or different information. I believe they are stalling or dragging this process out for some reason. I am XXXX and it makes it very hard to deal with this because of different time zones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Before 2011, I had several rewards credit cards from JP Morgan Chase. I used these cards for my daily expense activities. I paid balance for every card in full every month. There is no abnormal activities on the cards. One day, Chase suddenly closed all my credit cards without notification. I called several times to ask about the reason of card closure but no one give me a reason. Written notice also give no reason about it. Since then, I am banned to apply for Chase credit cards any more. I tried a couple of times but always got denied due to the reason of " unsatisfactory relationship with Chase ''. I always have a good-excellent credit history. Right now, I am living in a state which Chase is the most popular bank there. It will be very inconvenient to not have a chase bank cards and accounts. I am expecting Chase to remove me from their " Blacklist '' and evaluate my application based on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 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: IL

Complaint narrative:
They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/16 I used Chase " Quick Pay '' to send {$3400.00} to a relative who is also banks with Chase. On XXXX/XXXX/16 Chase deducted second ( duplicate ) {$3400.00} which was never authorized. My relative to whom I send the money called me on XXXX/XXXX/16 to notify me that a second deposit had been made to her account. 
OnXXXX at XXXX I called Chase Private Client Banking in an attempt to rectify the situation. I was told they would contact my private banker and/or branch manager at the XXXX XXXX California ( XXXX XXXX ) to contact me. As of XXXX on XXXX/XXXX/16 no one has contacted me. 
I called the XXXX XXXX number a second time and was transferred to the branch phone line which went to an voice message saying to please call back another time. 
I called XXXX XXXX a third time and was told I need to speak to a debit resolution speciality ( or some title to that effect ). The wait time to speak to said person is in excess of 30-minutes. I am unable to wait on hold that long for them to rectify a debit that was made in error on the part of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check on the wrong Chase account which caused my account to be overdrawn. Chase reordered the transactions so that the largest item was paid first so that I had to pay XXXX overdraft fees rather than just XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was selling a futon online and the buyer gave me a check for the payment and stated that I should deposit it soon as they would arrange to have it picked up. After about five days elapsed, they stated that they would not be needing the futon and asked that I return the money to them. Not trying to be held accountable for their money, I wired it back to them as per their request. Almost a month later, Chase Bank tells me the check was returned for fraudulence so I was out that amount of money. This put my checking account in the negative. As I was moving, I had no spare money to cover the difference and when I called to comment that there should be something they 're able to do, they said there was not and I 'd have to pay them back. I filed a federal report about the fraud online but this affected nothing since I authorized the check 's deposit. After a month, they said they 'd report me to Early Warning Service despite my story. I have never had any issues with my accounts before nor have I ever committed fraud and I ca n't seem to understand why there is nothing I can do but report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have XXXX different balances on my credit card account. A low APR balance and a high APR balance. During the month of XX/XX/XXXX and XX/XX/2016, I made few payments in the total of XXXX to pay off the transaction made during since that balance are incurring payment daily. I was surprised that chase bank applied all the rest of the payment to the XXXX XXXX balance after the minimum was paid. I tried reaching out to them to get it resolve but their answer was they could n't apply that payment to the balance because it was n't included in the balance in the monthly statement. I tried to be reasonable and tell them according to the law, they should apply any remainder of my payment after the minimum balance to the highest APR balance on the account as stated in the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint regards Chase 's adamant refusal to halt the recurring debits scam -- -- XXXX -- -- XXXX XXXX 2015 {$39.00}, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX, XXXX XXXX 2015 XXXX XXXX ( XXXX ) concerted efforts -- -- XXXX ( XXXX ) in person -- -- beginning Monday, XXXX XXXX 2015, in order to halt XXXX recurring debits -- -- especially, to close that specific Chase Freedom card account -- -- NOTHING. Each occasion, I was informed by a Chase account manager that the recurring debits were halted, that Chase Bank would investigate the scam & that Chase would resolve this dispute. Lies.Subsequent to the closing of all Chase accounts & direct deposits, correspondence was received from Chase executive offices, back dated XXXX XXXX 2015 & XXXX XXXX 2015 -- -- addressed to my original address, one year ago.XX/XX/XXXX 2015 My requests to communicate with XXXX president brought XXXX XXXX -- -- XXXX ( XXXX ) telephone calls, regarding Chase debits beginning XXXX XXXX 2015 & no XXXX premium member card, prerequisite for dental services, despite several requests. 
XXXX XXXX 2015 ( a XXXX XXXX XXXX presented me with a bill for estimated dental services -- -- {$3200.00}. ( b ) {$850.00} for XXXX XXXX c XXXX a document for referral to a specialist ( d ) XXXX subsequent Employee 's XXXX XXXX XXXX XXXX XXXX, document. ( e ) The XXXX discounted list covered by premium membership was offhandedly tossed into the nearest wastebasket, paralyzing me with awe! 
XXXX XXXX 2015 I walked around the corner to Chase Bank in order to halt XXXX recurring debits -- -- scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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 issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I would like my loans verified and I am are concerned about the recent allegations against Navient. I would like them to be removed from your report if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to have a US Regulator to look into the previous complaint XXXX. 
The agent representative closed the complaint without any assistance given. 
Furthermore questioned my integrity on this matter saying is not phone records in what the Customer Service told me about removing the late fees on a Chase Credit Card it got closed without mine knowledge. Also in that letter said the monthly statement I did n't receive it does n't show be returned to them, even " I told their customer service few months ago sometimes my mail got lost I do n't received non just from Chase '' At this time I would like to report violations to my consumer rights under the FDCPA due to Receiving Early morning and late night collections Phone calls, also reporting bad credit to the credit Bureau agencies and to stop sending Monthly statements on a dispute that I currently I have about their late fees. Chase it looks its ignoring and do n't respect the FDCPA, if they continue with this behavior for I may file legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My fiancee and I are in the process of purchasing a new home, in which we wish to use my VA entitlement. I called lenders and made sure that they knew we were NOT married and they could do the loan. I spoke to several loan officers with Chase Bank and all if which said " yes we can do that. '' I made sure they were aware that we were not married if if they could still do it. They of course said " yes we can. '' I then began to ask if it would still be a XXXX down payment and no PMI and they said " yes. '' We then decided to move forward with the loan at Chase. We are now in processing and now the processor is now saying that we need to come up with {$47000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Our income has decreased since buying the house and now we have been facing difficulty paying our mortgage. We have requested a loan modification from Chase several times and been denied. Our current interest rate is 8.5 %. We have 15 years left with a principle of {$38000.00}. Why wo n't the bank lower our interest rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/15, Chase alerted me to potentially fraudulent activity on my account. I verified that XXXX checks appeared to be fraudulent. I was told a fraud alert was being placed on my account. I was told that my account would be credited in XXXX business days. The next day, XXXX additional checks were presented. XXXX of them were not cashed due to insufficient funds. XXXX of them were. I called again to update my claim. Again, I was told that my account would be credited in XXXX business days. I called on XXXX to get an update and again, no credit, no additional information. On XXXX, I contacted the bank again assuming that some, if not all, of my funds would have been refunded. At that point, I was told that I needed to submit an affidavit. No one told me that previously. Nonetheless, I submitted XXXX shortly after it was requested. On XXXX, I contacted the bank again expecting to have my account credited as it 's the XXXX business day. Instead I was told that they had not assigned my claim, that it would take an additional 10 days to process, that they could do nothing about my the fees they assessed or the money stolen from my account until that time. My lawyer and I then spoke to their Executive Office seeking their intervention. The person I spoke to said that it would take XXXX to get any additional information. Due to Chase 's failure to protect my money, I 've been assessed fees by vendors, been penalized by another financial institution with which I have an outstanding loan, and have not been able to pay vendors. Chase ' failure is impacting my business negatively.

Company response to consumer: Closed with monetary relief