vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received paperwork in the mail in an envelope marked as Chase bank about two months ago. It included a XXXX and an XXXX form. These forms were accompanied by a letter claiming that I needed to fill these out and return them to Chase Bank or my credit card account could potentially be closed. This all seemed very scammy to me so I called Chase to Verify. Long story short, I spent over an hour on the phone with about XXXX different people from Chase Bank. The first XXXX told me these documents were not sent by the Bank and that I should not fill them out and that my account was n't notated in any way that forms were required. The last person I spoke with said he recognized the forms and that they send them out for information verification but that my account was n't notated to need the forms. I was reassured by this person several times that my account would n't be closed and there was nothing further I needed to do. The organization and confusion level of this company astounds me. No one could verify that these forms were legitimately sent to me. Now here I am, two months later, with a closed account. I was never notified of the account closure. I used the card a week ago and noticed it was closed when I went to pay it yesterday. I did n't receive an email or any form of notification for that matter. When I called Chase to complain, I did n't even receive an apology. The person I spoke with informed that I received bad information from those that I spoke with at Chase and that my account was closed due to failure to send in the above mentioned forms. He also informed that the only way to get my account reopened was to mail them this information and continue to call and check on my account. He stated that they would n't be calling me and that I would personally have to push the issue. This whole situation is laughable and I would never have fathomed that JP Morgan Chase would have such pitiful customer service. I have never paid late on my account and have been a loyal customer for years. They should treat their customers better.

Company response to consumer: Closed with non-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: MN

Complaint narrative:
I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
A chase credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called Chase and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/2019 which is XXXX years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong Chase has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over 7 years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with XXXX and they came back and said Chase did not agree to remove. I have called Chase probably a dozen times over the past 3 years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A denial letter sent to me stating these reasons. XXXX serious delinquency, and derogatory public record or collection filed. XXXX number of accounts with delinquency. XXXX length of time since derogatory record or collection is too short. XXXX length of time accounts have been established XXXX limited credit experience. these reasons were all fraudulent!! the whole letter in my opinion was fraud. Chase bank does not make money on home loans less than {$50000.00} dollars. my fico score was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
First Issue : Loan # with Chase XXXX the XXXX XXXX # IS XXXX. This is a Mortgage with Chase, which I believe has already been paid off through Securitization. Has is Mortgage or Note ever been Securitized. When original mortgage was done. The Note which is the Property of XXXX XXXX Not the banks. 
Second Issue : I have repeatedly asked that the sale date be removed because this is duel processing which is in violation of the HAMP ruled attached. This file is currently in review for a HAMP Modification with Chase and has an Escalation opened with chase and an office of the president file opened Sale date of XXXX/XXXX/2015 which is still open. 
Third issue : Single point of contact and request for Documents. XXXX XXXX has had XXXX. XXXX single points of contact and provided all doc 's requested in writing from chase. The main problem is that every time the file changes Single points of contact the information from the last Single point of contact seams to get lost and not forwarded to the new single point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to make an online purchase with my Chase debit card. It was declined 3 times even though I had the funds available. I then made the purchase with a XXXX XXXX, but the next morning the Chase charge went through. I called Chase to cancel the transaction with them, and they have the gal to tell me I need to prove to them I made the purchase on another one of MY accounts in order for them to return MY MONEY to ME. Customer service representative was very rude and yelled at me during my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?

Company response to consumer: Closed with explanation