vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We applied to refinance our current home loan XX/XX/XXXX. We were pre-approved and given an interest rate of 2.875 %. However, we later learned that our mortgage is classified as a Home Equity loan, so the rate will be higher ( 3.625 % ). We have never applied for a home equity loan, so we requested a copy of the original note, via telephone conversation with the bank rep on XXXX/XXXX/16. The rep was unable to locate the paperwork, so a request to locate a copy of the loan was put in. Estimated time to locate the documents was 3 days. After not receiving the documents, I called again on XXXX/XXXX/16 and was told a hard copy was mailed to me on XXXX/XXXX/16. On XXXX/XXXX/16 I called again because I had not received anything. I was told the original owner of the notes to locate the loan papers would call me directly. On XXXX/XXXX/16, no response, so I called back and was told a letter indicating documents could not be found was sent on XXXX/XXXX/16 and further research was being done. We received 3 letters from CHASE indicating the loan papers could not be located. On XXXX XXXX, 2016, we sent a certified RESPA letter to CHASE. Our request was " escalated ''. We received several phone calls from the bank 's rep, each time indicating that the " home equity '' loan papers could not be located. Phone call : XXXX/XXXX/16 -- issue still being researched. Phone call : XXXX/XXXX/16 -- 'still in review by legal partners, no update at this time '. Phone call : XXXX/XXXX/2016 -- 'Upper management and the legal department working to find a resolution '. Phone call : XXXX/XXXX/16 -- According to bank records, our loan is 'classified as a home equity loan, but put in XXXX mortgage position '. ( Please note that CHASE recognizes that the loan was incorrectly coded ). They are unable to locate the original note. As a resolution, they will send a Lost Note Affidavit with the same information as the actual original note and send us a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2017, Chase bank proceeded to do a hard inquiry for promotional purposes without my consent. My credit file has been black for all promotional purposes. This has created a reduction in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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:
On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a XXXX Cancelation of debt for this account. Please remove this account from my XXXX Credit Report as the retention time has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a tax form mailed to my address with out filing with XXXX XXXX and im wondering if some one took a card out in my name please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received an email from Marriott on XX/XX/XXXX with an offer to spend {$50.00} at XXXX on my Marriott credit card and get a {$20.00} statement credit. I registered for the offer, then bought a {$50.00} XXXX XXXX gift card ( XXXX XXXX is a XXXX brand ). 
I sent a message to Chase ( the provider of the Marriott credit card ) on XX/XX/XXXX as I had n't received the statement credit. They advised I 'd have to wait 6-8 weeks for the statement credit. 
I still had n't received the statement credit after 8 weeks, so I messaged them on XX/XX/XXXX requesting the credit. Their first response was that I had to wait 6-8 weeks, so I responded that I had waited that long. Their next reply was that I would n't be receiving the statement credit because gift cards were excluded. 
I 'd carefully checked the terms and conditions of the offer before buying the {$50.00} gift card and there was no mention that gift cards were excluded, so I responded to Chase to advise them of this. They replied that there was an exclusion, I replied that there was n't, and so on for several messages. 
I 'll be attaching several documents as proof. The first is the email Marriott sent me which does n't mention a gift card exclusion ( Marriott email ). The second is a cached copy of the registration page for the offer which does n't mention an exclusion for gift cards ( Marriott XXXX Terms - 1 ) .The third is a copy of the terms and conditions for the offer which do n't mention an exclusion for gift cards ( Marriott XXXX Terms - 2 ). 
I 've also attached copies of my correspondence with Chase. As you 'll see, the bullet-point terms they list in their replies match the terms on the registration page and make no reference to gift cards being excluded. 
As there is clearly no exclusion for gift cards that customers were advised of, they should n't be adding these arbitrary exclusions when every single condition of the offer has been satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-17 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: CA

Complaint narrative:
I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a XXXX, retired ( 20 years ) XXXX XXXX. We had a home financed by Wells Fargo. Because of a tiny clause in our contract, which required us to pay Wells Fargo 5 % of the finance amount if we tried to refinance early, we were caught in the 2008 down turn in home prices. We lost our dream home. So they have dome much more harm than you think. 

Respectfully, XXXX & XXXX XXXX XXXX, GA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-28 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:
My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX/XXXX/16 ( because it was a little after XXXX ) I checked my bank account to see if my direct deposit had posted and it had. I was checking throughout the evening because I had recently changed my direct deposit info with my job & the first pay cycle I received a check so I was looking to see if I was going to have to wait on another check the second pay cycle but luckily I did not. So throughout the entire day & evening of XXXX/XXXX/16 I was checking my account & saw no checking service fee or my check but around XXXX something in the morning XXXX/XXXX/16 my check had posted and the balance was {$870.00} & some cents but this morning XXXX/XXXX/16 around XXXX I check my balance ( I 'm a victim of skimming with Chase so I check my accounts often ) and it 's {$860.00} & some cents! Now I have n't bought anything or paid anything so I was wondering why my balance went down, I login to my account & low & behold Chase has put a service charge of {$12.00} posted for XXXX/XXXX/16 but it was n't there at all throughout the entire day of XXXX/XXXX/16 or the early morning of XXXX/XXXX/16 ( between XXXX or XXXX XXXX ) when my check posted to my account. XXXX of Chase policies for avoiding the {$12.00} service fee is if there is a {$500.00} or more direct deposit to your account, that 's the only reason why I changed my direct deposit to Chase, to avoid paying {$12.00} every month in service fees, that 's just a ridiculous amount to me! So Chase posted a back date for XXXX/XXXX/16 so they could charged my account the {$12.00} service fee! I called Chase to speak with a representative but he was no help at all, stating that the fee posted before my check although I 'm telling him that the fee was NOT there yesterday ( XXXX/XXXX/16 ) or before my check posted in the early morning of XXXX/XXXX/16 but again, he was no help!

Company response to consumer: Closed with monetary relief