vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I notified Chase Bank that I was going through a divorce. My soon to be ex was on my checking account so that in an emergency he could pay bills. I was told I could not remove him from the checking without his consent. I asked how I could protect my money ( we had separate accounts, he had his own money at a different bank ). The branch manager advised me to move my money from my checking to my savings account to protect it, as my " ex '' was not on that savings account, and then she noted my account with regard to the situation. As expected, the " ex '' went to a Chase branch and requested a withdrawal of the money in my account. The bank gave him ALL of the money ( checking AND savings ). When I received an email notifying me that my account balance was below my limit, I was shocked and went immediately to the local branch. I was told that because I had overdraft service on my account, that I had no recourse and that the bank had done nothing wrong. The overdraft service, according to the Chase website, states that it will pay : Checks, Automatic Payments and Recurring debit card purchases. It also states that it will NOT cover everyday debit card transactions. My " ex '' did not have a debit card for the checking account. He simply walked in, and withdrew everything from the checking and savings. The bank did not contact me, and I assume did not verify that he was NOT a named person on my savings, which should NOT allow him the overdraft service. As the sole custodian of the savings, the overdraft service should have only been protecting me. If the bank knew that overdraft would enable him to receive all funds, they should have advised me when I requested their help in protecting my funds, and I would have asked that it be turned it off. Their website documentation does not state that the overdraft service includes withdrawals. It should n't include withdrawals. If someone has access, they should be required to transfer the funds in order to withdraw them. Please help me get my funds back from Chase Bank, who erred in agreeing to disburse them to my now ex-husband who was not eligible to receive them. Their documentation and communication to all is confusing and misleading to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My Chase bank account ending in XXXX was closed by Chase, even though I have had no problems with my account and had very good relations. When I called to understand why my account was closed, they said they could not give me an answer. I even went to the Chase Bank that I always do my banking at and they also could not get any information. I sent a letter to Chase headquarters and a woman who worked there called me. I thought for sure I would get an explanation of why my account was closed, to my dismay it was not. I believe it is because I am a XXXX of XXXX XXXX that they closed my account. I know of numerous people that the same happened to them. They were all either XXXX or XXXX or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a trip cancelation claim with Chase Sapphire Reserve benefit department on XX/XX/XXXX. 
I filed complaints with CFPB & XXXX because the benefit department lied and falsely denied my claim. 
The benefit dept says I am ineligible for refund of the canceled flight because the airline booked my final return flight for me. This is not only not true, it is false and a lie. I have sent them all the documents and proof to show I paid for original and return flight on my own with my credit card. 
My claim no with consumer financial protection bureau is XXXX I have attached documents that would show the original round trip booked on XXXX XXXX with my Chase sapphire reserve card. 
& XX/XX/XXXX statement of my Chase sapphire reserve credit card that would show {$88.00} I paid on XX/XX/XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I paid off my mortgage to Nationstar mortgage in XXXX 2015, and requested a projected time to record the full reconveyance. They responded it would take 30-60 days to prepare the paperwork. I subsequently found California gives them 21 days to Record the documents. As of today 's date XXXX/XXXX/2015 nothing has been recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: MA

Complaint narrative:
I was told to break my complaint down into several parts since it involved multiple companies this section will feature Nelnet. 

I think it was XXXX I started getting XXXX from Nelnet. 

Nelnet was giving me stuff about my Federal Student Loans at the same time as Performant Recovery. I went to US Senator Warren and said what the XXXX? 

The account number Nelnet gave me does not match the account number XXXX gave me, the amount XXXX gave me does not match the amount Nelnet gave me. XXXX to XXXX I have about XXXX social security checks garnished none of which was reported to anybody. 

My phone used to ring off the fin hook from one machine calling my house to another one calling my house. 

After talking to the US Senator Warrem my check stop getting garnished. 

XXXX might have lost his job in XXXX of XXXX shortly after that however Nelnet said we are going to garnish your check this that and the other thing. 

Nelnet refused to give me a wage garnishment hearing. They said so in a letter dated XX/XX/XXXX Nelnet did not tell me about all of my legal options such as income based repayment, heavens to beltatross imagine if they did Im {$20000.00} under the discretionary income line for my state I would be ordered to pay monthly payments of XXXX dollars but the problem comes in companies like Nelnet dont make any money that way. 

I was going through XXXX in XXXX, I did not know if I could make it to US Senator Warren office, my doctors told me to avoid large groups of people. I didnt know how I could avoid that in XXXX, so I went to US Representative Tsongus office in XXXX, In XXXX of XXXX Nelnet sent me a letter they said I had 60 days from the date on that letter to comply. I set up a doctors appointment for XX/XX/XXXX which is about 1 week before the 60 day marker. 

In XX/XX/XXXX the US Dept of Edcuation garnished my social security check, what the XXXX they were not supposed to garnish my check until XXXX according to their own letters. 

They also garnished my check for XX/XX/XXXX, but did not for XXXX of XXXX. 

side note : I have more material to upload than your servers can handle on this matter my total amount of material easily exceeds 20 MB limit you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My lender does not offer any modification what-so-ever. Excuse given to me is Lendor/Investor does not participate in any modification programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
In XXXX XXXX, after finding myself in financial difficulty, I retained XXXX XXXX XXXX XXXX XXXX XXXX, CA to negotiate and settle my debts ... which has gone well, except for the Chase Bank credit card account. 
In XXXX XXXX, after 2 years of trying to negotiate this Chase account, I received a XXXX IRS Form XXXX ( cancellation of debt ) with an event code : XXXX ( decision or policy to discontinue collection ). I filed this cancelled debt as income on my XXXX Income Tax returns. 
After waiting a few months for my credit reports to update and reflect the {$0.00}. balance, they did not change. I, then, filed disputes with the credit reporting agencies and I called Chase Bank and talked to a representative named, XXXX # XXXX. The representative told me that I still owed the full amount of this debt, even though Chase had filed the " Cancellation of Debt ''. 
I do not feel I owe this debt because, Chase chose not to settle this debt with my representative, but chose to file the " Cancellation of Debt '' instead. 
I am submitting pertinent info from a previous complaint on this issue against XXXX, dated XXXX/XXXX/XXXX. CFPB case # XXXX or Original dispute case # XXXX. 
I am asking for any assistance you can give to help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/2016 I noticed on my online checking account a debit of XXXX I from an unauthorized source. I called the bank since it was pending debit and was told that they would file a claim to have it removed. My husband notified the company because it was a charge from a previous contract and had it cancelled. He provided the bank with the cancellation number. 
The customer service rep took the information and credited our account. 
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I recently received an unsolicited Amazon.com Rewards Visa Card in the mail issued by Chase Bank VA, NA. The card has moderate to generous reward options. I subsequently received a letter in the mail from Chase ( again unsolicited ) referring to the issued card saying they would need more financial information in order to approve me and that I was to call XXXX with a Reference Number. I am not sure if this is a XXXX XXXX type incident where someone is getting bonuses for issuing cards, a spear fishing style scam or if my ID was compromised but in either case it is concerning. I did call Chase Bank to cancel this card and inform them of my concerns ( not revealing any of my financial data ) but they told me to call back tomorrow to XXXX which on reverse lookup is listed as an unlisted mobile number - not calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In light of the recent news reports of accounts being fraudulently opened without customer authorization, i.e. XXXX XXXX, Chase Bank, XXXX XXXX XXXX, etc., we feel obligated to lodge the following complaint : 1. Opened an AARP Visa Rewards Card through Chase Bank XX/XX/2016 2. Paid balances in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 3. In XX/XX/XXXX we received an Amazon Visa Rewards Card through Chase Bank, for which we NEVER applied ... we feel it was sent due to our opening the AARP card and was generated from Chase Bank ... this card also had our last name misspelled 4. Payment for AARP card for XX/XX/2016 crossed in the mail and considered late 4. Due to the above action, our card was declined at grocery store on XX/XX/2016 5. On XX/XX/XXXX or XX/XX/2016, we received a letter from XXXX XXXX based in XXXX, Florida concerning an Amazon Store Card instructing us to contact them regarding additional information about the recent credit application ( again, application NEVER initiated by us and our last name was misspelled the same way as the Amazon Visa Rewards Card from Chase Bank ). We contacted them and learned that the account had been closed. 
6. On XX/XX/2016, we contacted Chase Bank regarding our Amazon Rewards Card and learned they had already billed us for a membership in Amazon Prime, again something we had NEVER authorized. Chase Bank worked with us and set up a Fraud Alert on this card. We also closed out this card. 
7. On XX/XX/2016, we contacted Chase Bank regarding our AARP card and had them set up our account with a Fraud Alert. 
8. We assumed that everything had been cleared up and our accounts were in good standing. 
9. On XX/XX/2016, we received notice from a company deducting automatic payments from the AARP account that our card was declined. 
10. On XX/XX/2016, we contacted Chase concerning the AARP card and the declined payment and learned that the mistake was on their part and was rectified. 
11. We have chosen to close the AARP account through Chase Bank as soon as the last payment has been credited to our account.

Company response to consumer: Closed with explanation