vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a call from a young man on XX/XX/XXXX around XXXX telling me he had legal documents to deliver to me. I explained I was driving and asked for a number to contact them at. I asked that he call me back and leave the info on my voicemail which he did. Was provided XXXX and a File #. 

Called them XX/XX/XXXX @ XXXX CDT and asked who they were. I was transferred several times and then told they did not have to give me any information at which time the lady started calling me a loser and began berating me. She hung up. I called back and was again berated by the same young lady who would not provide me with any information and told me my case was turned over to the IRS and that now I was really going to have problems. Referred to me as a loser every time she addressed me. I explained that I needed to know what the call was about and she said Chase bank. I explained my last dealings with them was quite long ago and that it was likely out-of-date. she said no and they were going to sue me but would not provide any info as to who they were. Called them 10 times and they would not talk to me or give me any info just continued to berate me. I have no names because they would not provide any. They must know when I call because now it goes straight to the voicemail. 

They know we ca n't afford lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Entered into a car title loan with Wilshire consumer credit. At one point I knew I would fall behind on payments before the payment was late I contacted Wilshire Consumer to ask for a payment arrangement or deferment. The said XXXX no this is a car tile loan and we can repo your car after XXXX day late. I called back a couple of days later explained I could not make the payment and they said that I should have called before I was late to make arrangements. I told them I did. The employee was so rude, threatened to repossess the car, called me ignorant and was actually yelling and talking over me. Days later they repossessed my car. They made me pay about {$1000.00} to get it back and I got it back. Before I made the payments to get the car back I asked them if they would be able to defer my next payment so I could catch up. They agreed and send me an extension agreement stating that my next payment was due XXXX XXXX. The contract was signed by myself and by Wilshire. When I called them to confirm the deferment they said that they messed up on the paperwork and that my actual payment is due XXXX XXXX intead of XXXX. I told them that that 's not what the agreement says. Now they are calling harassing me, threatening to repo my car again and they will never let me speak to a supervisor. They call me a loser, Scream and yell, hang up and lie about the supervisors. The few times I have spoken to a supervisor they contradict what the employees say. I have paid them over {$3000.00} and I only borrowed {$2500.00}. They are constantly calling threatening me and say that my extension was not approved. I have documentation showing the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I can not get from chase who services my mortgage, who owns it and who has original loan docs and signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was called about a debt that was written off XXXX years ago, by the credit card company. It was then sold to several collection agencies, before ending up in the hands of XXXX financial in Illinois. ( XXXX ). They never stated this was an attempt to collect a debt, nor read the " mini mirnada '' required by debt collectors. The guy then proceeded to insult me, calling me a child, a bum, loser and so on. 
I eventually hung up, but after working in collections for a short time, I know what they did is illegal and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started the refinance process in XXXX 2015 with J P Morgan Chase and even after filing a previous complaint have yet to sign loan documents and complete the loan process.There has been no explanation not even from Chases executive branch as to why the process has taken so long. I have received letters on more than one occasion stating that I requested to withdraw my application, but never submitted such a request. After providing all documents perviously it was stated by the processor that certain items were n't received, although the mortgage banker had proof of submitting the documents. The privacy of my personal information has n't been taken into consideration. There has been no care or interest from the processor nor executive branch to assist the mortgage banker to bring this to a positive closure. It was previously stated that loan origination fees were XXXX % of the loan value now recently receiving the 3rd set of closing documents its XXXX %. It 's as if I 'm being penalized for complaining about horrible service and not being treated fairly. I refuse to believe that a large lending institution such as Chase who handle XXXX loans has such unethical standards toward lending practices. I would like to know how many loans that began when I initially started have closed in a reasonable amount of time ( I do understand every situation is different ). I am truly appalled at the thought that my ethnic background and the mortgage bankers as well are the catalyst for the delay. I would 've never imagined that my current lender would attempt to keep my rate high for their benefit and provide such horrible customer service. This has been a disturbing and a horrific experience to say the least! Please assist me with this inexcusable situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We were offered refinancing due to the Obama Plan through J.P. Morgan Chase Bank. 

My husband and I decided to accept the refinance offer and proceeded with getting the old loan paid off and a new mortgage loan opened. XXXX which were through Chase Bank. 

We were told by a representative of Chase Bank that we had until the XXXX of each month to pay our mortgage. After the XXXX, our mortgage would be considered " late. '' Now, after the first of each month, we continually get calls regarding our mortgage payment. I have told XXXX separate people what I was told by the bank representative. That we had until the XXXX of each month to pay our mortgage and it would n't be " late. '' I asked the people, who were calling from Chase Bank, " Are we late with our payment? '' I was told, " No. '' I said, " Then why are you calling me. '' I then told the callers to please make a note on our account that we pay on or before the XXXX of each month. I was told to call them every month to let them know when I am going to make the payment. I told them, '' I am not calling you every month because you can see that I make the payment by the XXXX of each month. I even told them that I would not answer the phone when they called. 

I continually get more than one phone call per day. 

Could you please make them stop calling me so much? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account XXXX. I noticed on my credit report the aforementioned account from Chase bank. Chase is reporting this account as a charge-off. Initially, I filed a dispute with the credit reporting agencies. XX/XX/XXXX, I sent a formal request to Chase via certified mail that Chase provide with evidence that I had contractual obligation to the above referenced account. Copy of the letter is attached. 

Chase sent a letter to me XX/XX/XXXX in which they are stating that account was sold to XXXX XXXX XX/XX/2012 and to contact XXXX XXXX for any account records. Upon contact with XXXX XXXX, I was told that XXXX XXXX can not produce any document that this account is mine. I called Chase and relayed the information to them and kept on getting the run around. At the end, the representative from XXXX XXXX. finally stated Chase does n't have any contractual evidence that it can furnish me ... 

Please note the year that Chase is stating when this account was sold, XX/XX/2012 is in the same time period for which the Consumer Finance Protection Bureau took action against Chase for selling bad credit card debt to 3rd party buyers. 

Since the 30 day limit has lapsed since I send the letter and that Chase can not furnish contractual evidence, these erroneous listing need to be deleted from all credit reporting agencies. They are severely affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my 3rd letter sent to Chase Bank, all by certified mail of requesting that you remove inaccurate information from my file or prove that it belongs to me. 

Below is both my letter to Chase Bank sent on XXXX XXXX, 2015 and my complaint to the CFPB about the reckless Banking Behavior on Chase Banks ' part. 
Please see attached documentation all sent via certified mail to chase bank. 
TO CHASE : On XX/XX/2015 You received a XXXX demand letter, this was sent certified mail XXXX that was signed for by your company. As of today you have failed to provide me with the proof I have lawfully requested. since you have not supplied the demanded proof of the account, under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the all alleged account, nor therefore any such account, in fact exists. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair And Accurate Reporting Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 









FCRADamages for a Willful ViolationIf you can show that the credit reporting agency information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : Basic Damages-actual ( provable ) damages ( no limit ), or-statutory damages damages between {$100.00} and $ XXXXyour actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ). 
Punitive damages, as decided by the court. 
Attorneys fees and costs. 
Definition of " Willful '' A willful violation does n't just mean that you have to prove that the entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklessly -- that is, the entity knew or should have known that it was running afoul of the FCRA. 
Damages for a Negligent ViolationYou are also entitled to damages if you can show that the entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), andattorneys fees and costs. 


As Per The Fair And Accurate Reporting Act : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation