vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have repeatedly asked for the identity, phone #, address of the investor of the alleged mortgage loan ( originated by XXXX XXXX ) which allegedly became securitized with over XXXX other mortgage loans in XXXX. 
This is reported under a different servicing number by Chase of XXXX. 
I am entitled under the new Dodd-Frank laws and TILA laws to know who my creditor ( s ) is so that I can negotiate directly with the creditor. 
Chase has sent a letter dated XXXX XXXX, 2015 stating that the investor which they service for is : XXXX as Trustee for XXXX and then they list the Mortgage Research ( XXXX ) in XXXX XXXX, MN XXXX and the phone XXXX. 

This is NOT the investor and Chase continues to confuse and obfuscate the truth. This is not supposed to be the Trustee for the securitized trust ... .it is NOT the investor. 
Furthermore, when I call that number -- -they will not talk to me and tell me to talk to Chase. 
They said they are indemnified ... .meaning protected by insurance from Chase. 
I need to talk to the investor. I need to be able to negotiate directly with the investor. 
Chase is not complying with Dodd-Frank, nor TILA. They are stone-walling me. 
It is not longer 'proprietary ' who the investor is. I will not tolerate Chase 's stone-walling. 
Chase is now breaking the laws once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: FM

Complaint narrative:
I inadvertently created a Chase Bank credit card inquiry for an Amazon Card on XX/XX/2016. 
I meant to cancel the online inquiry but mistakenly submitted it. I contacted Chase Bank immediately be phone and they said it had n't been processed and they would cancel it. 
It has appeared on my XXXX score ( via XXXX ) and negatively affected my score. Additionally, the request was denied?? Can you intervene and have this removed from my XXXX scoring? Thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.

Company response to consumer: Closed
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint about Chase Bank where I am the accountholder of a Business Checking Account. Last week, I discovered XXXX unauthorized ATM withdrawals. I live in XXXX, XXXX which, unfortunately, is an area rife with ATM scammers who use a device to rip cardholders ' numbers and PINs in order to process unauthorized withdrawals. ( A number of my friends in the area told me after the fact that they have been victims of the same fraudulent scams ). 

I called Chase immediately upon discovering the authorized withdrawals ( which totaled over {$200.00} ) and was told by the bank that its fraud team would investigate the transactions. After a week I had n't heard anything back so I called them and was shocked to learn that they had closed my dispute request without even notifying me. I asked them why and they said that because at one point I had let my assistant borrow the card to pick up some camera equipment that they would not be investigating the fraudulent transactions further. I assumed that they would pull the camera footage from the ATMs but they did not, and moreover they refused to tell me why they would not pull the footage. Now I am left with no recourse to dispute these charges. I have spoken with multiple supervisors, and no one has been able to provide me with any additional information on why my dispute was denied or why they refuse to pull the footage. As a result I have no choice but to move my business account with an institution that has a better record when it comes to resolving fraud disputes. 

If you have any additional questions about this complaint, please feel free to contact me. Thank you for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
This is my second complaint, as Chase is no longer responding. 
I cancelled my credit card on XXXX XXXX by phone and authorized the representative to debit my checking account with my bank to pay off the balance to close the account. I have a confirmation number from XXXX XXXX, XXXX. 

Chase made payments to the debit of my credit card account on that same day, without my knowledge. 
Late XXXX, I received a letter from Chase claiming that I owed them those payments, interest and late fees, even though I had no longer been receiving bills from them. 
I do n't work at Chase, neither do I know their internal processes, nor is it my business. To my knowledge and reasonable assumption, Chase and I were no longer bound in any way when the representative confirmed that the account was closed with my call and payment. 
At first, Chase recognized the fact that I did indeed make the payment when I had called to cancel the card and close the account. 
Their letter dated XXXX XXXX, XXXX, now claims that there was a balance pending and that the account was still active, even though I have a confirmation number to prove the contrary. 
I had accepted the card when making a purchase on Amazon in XXXX, around XXXX. The card was supposed to be free of any fees. However, I was charged a fee for using the card for that purchase. I made another purchase in XXXX XXXX and was charged a fee for that also. 
If for some internal reason there is a delay in the process, as a client, I have no knowledge of it, and was not informed of any such delay. It was confirmed to me over the phone that the account was closed and therefore inactive, and that my payment cancelled all debt towards them. 

My original objection was focused on those fees and interest. I was willing to pay the principle, but they rigidly refused and the situation has been in dispute ever since. 
I made them another offer to pay the principle in XXXX XXXX, which they also refused, unwilling to negotiate a reasonable outcome. 
As a client, I can not be expected to know the internal functioning of any bank, value dates etc, less so when it confirms that we are no longer bound. 
I hereby request from Chase a detailed account statement of all transactions from the first purchase which was concluded on XXXX in XXXX. And also, a justification for the fees charged for the purchases made with the card. 
As they have put a claim on me, it is legitimate for me to request the details that substantiate the claim. 
I have shown good faith and goodwill. I have made two offers that Chase chose to turn down. It claims no responsibility whatsoever, even though they did not send me bills in due time, once again due to internal processes within their credit card department, for which I can not be held responsible. 
I hereby offer once more to settle the principle and request from Chase details of transactions and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( XXXX ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to Providian bank in my previous name that I have not held in XXXX years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had XXXX years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank never acknowledged my fraud claims and shut down all my credit cards. I feel this is very unfair I will take the bank to court for small claims if they do not write me a cheque for XXXX dollars that I have been charged in fraud but never was credited,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have submitted this claim previously : " I have a checking account and a savings account with Chase. I am a XXXX resident, I am a resident and citizen of XXXX. I stay in USA XXXX with my relatives and use their address as mailing address, but my permanent address is in XXXX. I submitted form XXXX stating that when I opened my accounts and Chase confirmed that they have this form in their system. However Chase withdrew about {$120.00} from both my accounts in 2015 as " Federal Interest Withheld '' although they were not supposed to do that because of my foreign status. According to IRS publication about foreign individuals ( http : //www.irs.gov/Individuals/International-Taxpayers/Income-Subject-to-NRA-Withholding ) " bank deposit interest that is not effectively connected with the conduct of a U.S. trade or business '' are not subjest for tax withholding. They are supposed to refund this fee when requested by the customer. However I contacted customer service and the branch office several times and they were only sending me back and forth without any real help. Please help me to refund this fee. " The bank responded that I have to submit a new version of XXXX form in order to proceed with refund. I have submitted it more than a month ago, however fees are still not refunded and bank is not responding to my inquries. I have attached a new signed form XXXX to this claim again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
My XXXX XXXX XXXX student loans have defaulted and I am trying to find repayment options. The company that is processing them Foster, Garbus & Garbus are not giving me all of the information I need to proceed in resolving this debt. 
Here are the following complaints:1. I have asked for proof of my loan and they have not provided it and said that legal papers they sent me should serve as proof. 
2. They do not own the loan - XXXX XXXX still owns the loan. 
3. A fair repayment plan can not be accommodated, with adequate tracking of my payments and the balances. 
3. They are providing misinformation. I have read that after 9 months of a loan being in good standing ( with monthly on-time payments ) that it can then enter a rehabilitation plan - they advised that rehabilitation no longer applies to me. 

In summation, I want to reach a fair conclusion in being able to pay off the debt monthly without it crippling my future ( employment, marriage and renting/purchasing a home ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My servicer, Nelnet, does not allow me to view communications without opting into electronic communication and also failed to send certain correspondence by mail. I just recently started a government job and qualified for PSLF. I filled out the form and my loans were to be transferred to XXXX from Nelnet. 

I got an email that there was a form to view about this from Nelnet, but when I logged in, there was no way to view it without signing up for EStatements, which I did not want to. I 've previously missed notification to renew my income-driven repayment as a result of unclear correspondence and I only wanted to correspond by mail. This would n't be an issue if I had received the notice of transfer by mail, but I have zero correspondence from them about this. The email that there was a document to view about the transfer was XX/XX/2017 and as of today ( XX/XX/2017 ), I still do n't have what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
we filed a chapterXXXX, 5 years ago, which was discharged XXXX XXXX, 2015. Our mortgage was independent of the Chapter XXXX. For those 5 years we paid our mortgage on time and found out recently Chase Bank never listed those payments at the credit bureaus, thus, we have a bad credit rating. All our payments for the last five years are up to date. Somehow Chase listed our bankruptcy as at Chapter XXXX, which we were never in. Our attorney contacted them a couple of months ago stating this should not have happened, ( documentation attached ). He along with us has contacted the bank on numerous occasions to no avail. Also we did have a equity line which was written off in the chapter XXXX because we were under water in our mortgage. when we filed our income taxes they sent us XXXX coded as a F ( agreement ) instead of a A ( bankruptcy agreement ) which our lawyer said we should not have received because this was equity was discharged in the bankruptcy by the court ( documentation attached ) and Chase coded it wrong as if it were a Chapter XXXX instead of a chapter XXXX. All of our other bills have been cleared through the Chapter XXXX and correct on the all three credit bureaus except Chase Bank. Our interest rate has been high XXXX and we would like to get into the Harp program, but our credit is bad because of Chase making a mistake. Can you please help us. We have made our payments on time and may have been late when my spouse was on strike but all payments are presently up to date for the last five years. We need this corrected at all XXXX credit bureaus, so we can go forward with our lives.. Can you please help us to correct this situation, we purchased our house at XXXX now on worth only XXXX. Thanking you in advance for investigating this unnecessary and hurtful situation. XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Everbank is my mortgagae company and they changed their website in recent months.In the new one I CAN NOT view the proper break down of my mortgage loan amount that I am paying. All of sudden they collect some different amount and you do n't know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DLC, LLC
State: NV

Complaint narrative:
I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. 
This is not mine, and I want them to remove it from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
In XXXX my wife and I purchased a sail boat. The mortgage was held by Washington Mutual, XXXX Wa. In XXXX we paid off the mortgage for the boat and I received a Discharge of Mortgage. In XXXX our first floor of our house was washed out by Hurricane XXXX and we lost all of our paperwork including the Dishage of Mortgage. In XXXX I sold the boat. When the new owner tried to register the sail boat with the XXXX Documentation office they told the new owner he could n't because they never received the Discharge of Mortgage paperwork from Washington Mutual. I contacted JP Morgan/Chase and asked them to supply one. They explained to me that they only transferred electronically into their system account information that had open liens or mortgages. I then contacted Washington State DMV to see if they had record of my mortgage. They explained to me that they only keep records for six ( 6 ) years once they have received a Discharge of Mortgage notice. They suggested I contact the Credit Bureau which I did. They ran my credit history and there was no information on the report concerning our loan with Washington Mutual. They explained to me that meant I had paid off the mortgage and they do not keep payed off loan info for more than 10 years. So here we are, caught between a rock and a hard place and we may have to return the money we received from the sale of the sail boat because I can not prove to the XXXX XXXX Documentation office that we paid off our loan with Washington Mutual.

Company response to consumer: Closed with explanation