vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This letter is to notify you about a problem I am having with Chase XXXX Lien Holder Department in regards to prolonging the short sale process of my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am dissatisfied with the Short Sale Department at Chase because I have now been informed that the file has been selected for yet another internal review for the THIRD time. The file was OK 'd by the management department and was sent to the closing department to finish the short sale process. Now, randomly Chase has decided to pull the file once again to do another internal review of the file KNOWING that the short sale approval for the XXXX bank XXXX is expiring on XXXX XXXX, 2016. 
XXXX has already extended their short sale approval XXXX times to accommodate Chase 's numerous internal reviews and rejection of previous buyers and real estate broker. The short sale approval from XXXX expires on XXXX XXXX, 2016 and I 'm not sure if they will extend it again. 
To be honest, this entire process has been a nightmare. I can tell you frankly as a homeowner who now finds herself in the situation where she needs to short sell a house, I am disappointed and sad about my own inability to successfully complete a regular sale of my property. When I was laid off a year and a half ago after going on XXXX leave to look after my XXXX, I was desperate to find solutions to deal with a difficult financial situation. That situation has only become worse with our property catching fire and sustaining considerable damage. I am now currently looking for work in XXXX as I have been unemployed for over a year and have been advised that there is more work available there. Living with help and assistance from family and friends I have been able to get by. However, with the property being located in XXXX and being in XXXX, this is a big source of worry. Also, a neighbor that I am still in contact with has told me that there have been many suspicious people on and around the property attempting entry. This property is a serious liability and has caused XXXX for me. My only hope was that Chase would be able to see that I am a homeowner who is attempting to do the right thing and let go of this property in a way that will satisfy all parties involved. 
I now realize that Chase does not want to assist me in my efforts to complete a short sale on the property. It seems that Chase would rather have the property foreclosed on. 
I wrote a letter to XXXX XXXX XXXX dated on XXXX XXXX, 2016 to try to resolve this internally with Chase with no luck. See that letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was a authorized user on this account. I was not a co signer and they reported me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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:
Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I went to a dealer that uses Chase Auto Finance as their captive lender. I purchased an add-on optional insurance product in the amount of {$690.00} and paid for that product separately on XXXX XXXX, 2016 while leasing my vehicle. Under the terms of the agreement for the insurance I have a 60 day right to cancel. I have diligently attempted to cancel the product without success. On XXXX XXXX, 2016 XXXX XXXX XXXX ( Chase ) sent me a letter stating that the Optional Insurance product was incorrectly stated on my lease and the total charge is {$690.00}. When I called Chase, I was told that the down payment amount was not applied to my lease ( I do n't know how that is relevant ) and the {$690.00} for the optional product was not factored into the lease payment calculation. 
The amount I paid at the time of the lease closing was : the first month 's payment of {$370.00} plus trade-in of {$500.00}, plus the {$690.00} optional product and taxes etc for a total of {$1600.00} which was charged to my XXXX XXXX. Not only can I not find an address to send a written complaint, when I called and requested XXXX I was given a XXXX XXXX XXXX This is literally the most complicated, convoluted process I have ever encountered. On a closing note - what type of oversight does Chase have with their dealers? The gentleman who I worked with told me " You wo n't understand this so I will just go over the important parts '' when reviewing the terms of my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, we are in the worst Catch-22 that I have ever heard of. My wife and I bought our home in XXXX in XXXX XXXX financing our purchase with a mortgage from XXXX Mortgage. Early in XXXX, the mortgage rates had come down so we re-financed with XXXX XXXX XXXX. All was fine and in XXXX we paid off our mortgage. Hooray! We retired two years ago and we are relocating to XXXX. We are selling our home in XXXX and have movers coming on Tuesday XXXX XXXX, the same day as our closing. Our buyers ' title search discovered a lien from XXXX Mortgage, saying that we owe them {$250000.00} from XXXX! It is hard to figure whether it was XXXX ( bought by Chase in XXXX ) who were negligent for not releasing the lien, or if it was XXXX XXXX XXXX 's fault, but both institutions do n't have records going that far back and neither can provide a solution to this nightmare. ( Chase says they must have a XXXX XXXX document from XXXX XXXX XXXX and XXXX XXXX XXXX says they do n't have it and can not create XXXX. ) So we can not sell our house until Chase discharges the mortgage but XXXX can not provide the document that Chase says they must have. It breaks my heart that our buyers might be left out in the cold on XXXX XXXX, but if the money can not be released to us ( the lawyers will withhold {$370000.00} until the discharge of mortgage is filed ), then we ca n't turn over possession of our home. It may take months or years before Chase creates and files a mortgage discharge document ... .no one knows how long it might take. We have the deed. We have spent hours and hours on the phone as well as several hours in our local XXXX XXXX XXXX and Chase branches. We are just XXXX. XXXX our XXXX XXXX is insanely high ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We are using JP Morgan Chase as our lenders for a home mortgage loan. We have received nothing, but frustration, disappointment and anxiety from Chase team. Despite giving them the required documents and a projected closing date 6 months in advance, Chase has been unsuccessful in processing my file for closing on time. At this stage, we have no indication or tentative timelines as to when we would close. In anticipation of closing, we provided notice to end our lease agreement at our current rental apartment. This means that we are now without a roof over our heads. Where do I take my family? Chase has not given any attention to the vulnerable situation I have been put into, nor have they cared enough to return my phone calls. The XXXX XXXX manager claims that he will " look after us '' and I keep wondering how he would when he ca n't even return my calls. We have escalated our concerns within Chase as best as possible, without any success. The team informs us that they have transferred our file to an expedited status. It has been over a week now. If the expedited process takes this long, I wonder how long would the normal process take. Why should I give my business to Chase mortgage department when they have been nothing short of a reason for stress and anxiety to me and my family. I have no words to describe my disappointment and frustration with Chase over the past 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of 2015 I initially applied for a mortgage pre-qualification in the amount of {$150000.00} through JPMorgan Chase. I was approved for the mortgage, but held off because of my upcoming marriage/pay increase. XXXX 2015 my wife and I re-applied through JPMorgan Chase for {$200000.00}, but this time we were denied on all levels for a VA Home Loan. The mortgage officer assigned to us stated that the {$150000.00} should have been denied as well and that the approval was a mistake. Both of the incidents have led to my wife and I losing hope on finding a house for our growing family. We are currently living in a XXXX bedroom apartment. My credit is good other than a few case that have since been solved or in the process of being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 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, XXXX I went to chase bank XXXX XXXX XXXX, XXXX XXXX NY XXXX to open up a business account Banker XXXX XXXX XXXX XXXX helped me to open up the account, 11 days later on XXXX XXXX, XXXX I went to the same branch to open up another business account different corporation name same type of business but XXXX was not there to help me so another banker named XXXX assumed to try to open up the account for me but she said she can not find the right code to open up the account so she said she will have relationship manager XXXX XXXX contact me on Monday, XXXX contacted me on Friday XXXX XXXX, XXXX and told me that my business is a high risk and its considered money laundering business and I will need a money laundering officer, and when I told him that I opened up an account 2 weeks prior he told me that XXXX used the wrong code and that account has to be closed as well, and when I told him that I had the same type of business around three years ago and it was running for two years he said that the bank privacy changed recently I asked my wife who was a banker for a few years if there 's such a thing she said there 's no such a thing and how can he assume and accuse me for running a money laundering business if the first account has only {$25.00} in it and not a single transaction has been made and the second account was not open, so the next day on Saturday XXXX XXXX, XXXX we went to the branch to get more details but XXXX was n't there so we spoke to XXXX who assured us that he did n't use the wrong code and the privacy of the bank has n't changed since the patriot act XXXX and he never heard of a money laundering XXXX before, so at that point I felt that I was discriminated against, mislead and accused of doing illegal business, so on Tuesday XXXX XXXX, XXXX I contacted the corporate office located on XXXX XXXX XXXX XXXX NY XXXX to file a complain for discrimination, racial profiling, misleading and accusation of doing illegal business against XXXX XXXX and I was told I will be contacted within XXXX hours from that day, On Friday XXXX XXXX, XXXX I got a call from the Executive office informing me that they will conduct an investigation and I will be contacted once they come up with a decision, On Friday XXXX XXXX, XXXX XXXX contacted me from the executive office XXXX Ext XXXX and he told me that they came up with a decision and they did n't find any discrimination against me and I will need a money laundering program for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
After the death of my brother, his bank CD account, list my name as the beneficiary ( In Trust For ). I went to the bank, with the original form and a current notice " CD Maturity and Automatic Renewal Notice " where my name is listed as " ITF ( my name ) ". Chase ( JP Morgan Chase Bank , N.A . ) will not Honor my claim. I 've been working with them since XXXX 2015. They want to flip it to an estate account. But this account has a beneficiary, so it 's NOT an estate item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank re-orders transactions to allow their systems to charge overdraft fees. Additionally, Chase uses unfair business methodologies to charge fees to their customers and make poor situations worse. I was charged over {$2300.00} in fees in XX/XX/XXXX and over {$800.00} in XX/XX/XXXX, Recently, an ACH transaction was initiated to pay XXXX XXXX was returned and a " returned transaction '' fee was applied. About 5 days later, XXXX XXXX re-presented to the transaction for payment and it was paid by the bank ( with a lower balance ) at this time and a second fee was charged to the account. Chase also has charged fees for XXXX as " recurring transactions '' when they are truly point of sale. Many fees have been charged for small transactions of less than {$10.00} and multiple fees assessed. This is not fair to any customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Further to claim # XXXX, I acknowledge receipt of Chase response dated XX/XX/XXXX in which the include a lock-in-agreement dated XX/XX/XXXX. 
This was an agreement I was told to sign so that they can secure at least the 5 % interest rate. I had wanted to get the lower rate which at the time was a lower than 4 % for the 20 year loan I really wanted at the time but I was told that I did n't qualify for that rate. No explanation was given. No one ever mentioned that I could qualify under the HARP program nor I had any idea such a program existed until not too long ago when I kept reading about it. No one ever told me that I could refinance with any other institution either. I had a 20 year loan which I had to increased it to 30 years to get the lower rate (!!!!??? ) I had tried re-financing not too long ago and I was n't able to do so either and this may be because Reading thru the Truth in Lending Disclosure Statement, it says that that 'there is no guarantee I will be able to refinance to lower my rate and payments (! ) No wonder Chase closed on the refinance so quickly. The Lock in agreement is dated XX/XX/XXXX the loan was effective XX/XX/XXXX. 
Chase said that I did n't need an attorney nor anything. Chase sent a notary to my house to sign the documents but the lady left me with unsigned documents. 
The Lock in agreement indicates that there were no fees ; however, the HUD says something completely different. ( see copy attached ) None of my documents indicate that the loan was under the HARP program and as I stated before, every time I have called Chase, each representative stated that I I did n't have a HARP loan because for some reason ( they did n't know exactly why ) I had not qualified for one. How is it possible that Chase representative could n't tell whether or not I had a HARP loan. This was not just one representative but every representative I called. ( I had called in several occasions ) I remember finding it very strange that the loan had been processed so quickly, yet no one volunteered any information. 
I notice now that among the documents that there are is a HUD from XXXX XXXX XXXX XXXX and it also says that I could 've paid them?? May I know why. What was the advantage or disadvantage? 
While I was able to reduce my payments, this was due only to the fact that I increased the term of the loan not because of the advantage that HARP program could 've given me at the time. 
Due to another situation with another loan, it occurred to me to inquire JPM Chase about the ownership of the note on my mortgage for my house, the representative told me that Chase does not sell its notes. However, when I called again on a different day and asked for a copy of the note, I was told that the loan owner was XXXX XXXX I feel JPM Chase misled me and misrepresented the refinance of my loan effected in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking account with JP Morgan Chase ending in XXXX. 
I use this account for my Social Security XXXX direct deposit. 
Financially things are not good for me ; I just received a Chapter XXXX Discharge of debt and I live check to check. 
Every now and then I get hit with an overdraft because certain transactions charged to my account as charge not a debit are deducted from my account and then a few days later the charge completely disappears from online statement and is credited to my account as usable funds and then pops up in the ledger again for the final charge against my account. 
My branch tells me the problem is created on the merchant 's side The most recent occurrence I even called the bank to inquire if I had any outstanding charges against my account that were not itemized and any amounts that were not included in my balance. 
I was told by customer service that according to their ledger I had enough money in my account to cash the check to transfer my money to another account for my mortgage payment. 
Chase has always been good to me and reimburses the OD FEES, but they limit their customers to XXXX in a one year period, My complaint is not against the bank nor the merchant, it is the procedure that I feel needs a look at. 
My other bank, a credit union, does not alter the usable number, all transactions are withheld from my account and the ledger shows a greater total but a lesser usable amount especially if the merchant enters the transaction as charge and not a debit ; my total amount and usable amount even up when all transactions have actually been paid ; this is the fair/upfront way of managing the accounts of the customers. 
That is my complaint/inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am in a variable loan that was Wa Mu, now is Chase, and is not XXXX XXXX or XXXX XXXX. I have tried to re fi with Chase 3 times. I also complained and they told you they had not received an application. No true. Each time they say they will get back to me but do not. I am a XXXX Vet and this is not fair. They make more money by not re financing me so they just play dumb and lie to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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:
Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.

Company response to consumer: Closed with explanation