vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB - I submitted a complaint in XXXX 2016 XXXX XXXX ) and disputed it. I have yet to get a response from Chase on the dispute. I have now received yet another bill even though my dispute has not be replied to. I am now starting another complaint so I can try to get this resolved. 

I have been told Chase is willing to waive the drill fee ( {$150.00} ) and any past due charges ( currently {$74.00} ). When I originally called the XXXX XXXX branch I never received return calls. After seeing the poor customer service I have received from this branch I will not take the time to drive all the way to get this resolved. 

In my original complaint ( XXXX ) I was told 'we are unable to remove you from the XXXX. The only option available is to drill the XXXX and close it out. I need to ensure they can do this without me having to go all the way into this branch. I no longer live in the area. If they can not do that I must have a have a letter stating this is how it will be handled as, again, I have no faith that the branch will be able to handle this. 

Please advise. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Working on a Chase/ FHA short sale. We have the XXXX issued by HUD and an offer that meets the required HUD NET - Chase has not responded to this offer submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted through JPMorgan Chase a request to pay XXXX XXXX {$20.00} on XXXX XXXX. This request was made through my checking account using online billpay. I have previously made 4 payments to XXXX over the last year and half as he is my newspaper carrier. The address it is sent to is in the city I reside. There has never been a problem until now. On XXXX XXXX I received a notice from Chase saying they had the payment under review for XXXX and would not process until I provided his name, address ( both which they had ) Date of birth, place of birth and nationality. I explained I had no info and he was my newspaper carrier and wanted to know why after paying him for 1.5 years {$20.00} every 4 months this was necessary as I was authorizing this payment and it was being sent XXXX miles from my house as he provided me a service ( delivering me a newspaper ) again no answer was forthcoming and no payment has been sent. I have called Chase 4 timesand received NO satisfaction. I understand the need to guard against money laundering but this is overboard - a repeating minimal payment I 'm authorizing and have authorized in the past which were processed without a problem sent locally feels like Chase is either incompetent or engaging XXXX profiling. I am filing this complaint because I received no answers from Chase after multiple calls and a visit to the branch - the local XXXX, Ca branch attempted to be helpful but were stymied by corporate. Since I have received no satisfaction from Chase regarding this I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank account is being shut down due to a checking fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent my mortgage payment due XXXX XXXX, 2015 to Chase Financial Services, it was received by them on XXXX XXXX, 2 days prior to the due date. Inexplicably and without my permission, they applied the entire payment to principal instead of to my next due payment ( XXXX XXXX ). Then they recorded my XXXX XXXX payment as delinquent and applied a late fee on XXXX XXXX. I received the first notice of this when I got home from work on XXXX XXXX and found a message from Chase advising me to call them. I immediately went to their website to verify they had received my payment. It was then that I learned they had misapplied my payment. I immediately called Chase and demanded to speak to a manager. With some difficulty and more time than it should have taken I was finally transferred to someone who identified herself as in the escalation department. I explained the situation, along with my anger and frustration that they would do this. She finally admitted Chase had made an error and they would fix it. I demanded a written explanation of what transpired along with an acknowledgment that my payment had not been received late, indeed two days early. She said she would fix the situation, request the letter and call me back. The next day, XXXX XXXX, she called again and tried to excuse the misapplication of the payment since they had received two payments from me in XX/XX/XXXX, namely my XX/XX/XXXX payment which they received at the beginning of the month, and the XXXX payment they received XXXX XXXX. I cut her off telling her I did not want to hear excuses, only that the situation had been remedied. She said they were working on it but they did n't have a letter they could send me. I told her the steps they took to remedy, as well as an acknowledgment that Chase had erred and my payment was never late MUST be in writing. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I had used Chase credit cards since I was XXXX years old, always paying them in full. I had identity theft in XXXX XXXX, 2014 and from then on, I was issued the XXXX cards that I use more frequently with chips in them. XXXX was a Chase Freedom and the other was a Chase XXXX XXXX. Shortly after I would receive the card, there would be a charge in XXXX XXXX, California for a nominal amount and an alert sent to me to contact them if this was not my charge, so I would. But, I had all kinds of surrounding situational stress re : my ability to check cards online and other issues related to both the identity theft ( which happened through an exposed apple id keychain which had bank account passwords ... .there were subsequently transfers from my accounts of {$66000.00} XXXX. So, there were two times in which I thought I had lost the card and it was replaced, but XXXX did n't have a chip and the next XXXX did. And, they would consistently have these charges for several dollars XXXX. 

I wo n't get into the reasons as they are related, but I had to go XXXX to be able to do any work online ( leave my home workspace and this ISP ) and my mailbox with the card I had requested a month ago and never received was then vandalized. When I returned and this card finally showed up XXXX I 'm presuming due to mail cover XXXX it had the same XXXX XXXX charges and it did have the chip. I finally just terminated the card, but I now can not get any credit card from Chase. And, I have had the Chase XXXX XXXX card and paid in good standing now for 18 months yet they do n't report this XXXX as an open line of credit in good standing. Because of all of this and being advised to close open credit cards after the identity theft, my XXXX has gone from XXXX to now below XXXX and I can not get a credit card for Chase or practically anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc.
State: VA

Complaint narrative:
I am attempting to pay my private loan off as soon as possible, but my lender is making that extremely challenging. LendKey holds my current 10 year loan with an interest rate of 6.65 %. The auto-debit option gives me a 1 % discount on my interest. This auto-debit happens on the XXXX of the month. I asked to have my payments increased to pay off my loan sooner and I was told that it is impossible due to my current loan terms. I was told to pay the additional amount separately every month. For the last 2 months, whenever I tried to make a separate payment LedKey would only debit the different between my payment and the amount due ( {$2.00} in this case ). I spoke with them today and was told that they will only count the additional payment if I pay between the XXXX and the XXXX of the month. I was not informed of this the last time I spoke with them. When I asked if I could potentially refinance my loan to a shorter pay off time frame ( XXXX instead of 10 years ) and thus a higher debited payment, I was told that they will only refinance over {$75000.00} worth of debt, and I do not have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I tried to deposit XXXX dollars into my ex wives account with her account number handy, and since I was not on a joint account they refused the deposit. 
The teller told me I needed a personal check or a money order. I said by the time XXXX of those are cleared she will get charged overdraft fees .So I had to wait for her to come home from work and deposit it herself. Why anybody banks here is beyond me. XXXX Bank will email you and give you until XXXX that night,, and all you have to do is put the cash in the atm. Chase tellers must have a quota on how many overdraft fees they can aquire, WHAT A JOKE BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.

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 — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: FL

Complaint narrative:
My minimum payment is {$210.00} which is spread across groups XXXX and XXXX. I have an auto payment set up of {$300.00} which is to be applied to all groups minimums with the extra ( {$84.00} ) being applied to Group H. On top of this auto payment, I pay an additional {$1000.00} every month around the XXXX of every month. This extra payment is to be applied entirely to Group XXXX, which is my highest interest bearing group. This has been set up in my account in XXXX of XXXX. Since this time my auto payments have been misallocated to the incorrect groups causing my account to reflect an amount past due and accruing interest on the incorrect balance. This same issue has accrued twice now with the first time happening in XXXX of XXXX and now the same issue is occurring XXXX XXXX. The fist occurrence was " resolved ' by contacting Nelnet, my service provider, and they adjusted my account to appropriately apply payments. This second issue is currently being " resolved '' by Nelnet as well but since this is the second time I 'm having the same issue within 15 months, I feel it is appropriate to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.

Company response to consumer: Closed with monetary relief