vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus, XXXX, XXXX, and XXXX. 
They took 3 1/2 years to approve a short sale, to sell my home. 
I feel that they did this with malicious intent, for 3 1/2 years they reported negative information to the credit reporting agencies. By doing so THEY DESTROYED MY CREDIT ( FICO is XXXX ). 
Because of this NO ONE WILL RENT ME AN APARTMENT, even though I am DEBT FREE. 
I remain HOMELESS. 
Because they did this with Malicious intent, I DEMAND that CHASE BANk 's credit reporting department, remove ALL negative reporting that they reported to the XXXX Major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I requested that my card / account be canceled and that the associated membership fee be canceled. This was done when I sent in payment for my bill. Which is in accordance the the cancellation policy stated on the back of the bill. However, contrary to my request, the account was not canceled and I was charged a fee. This account was a Chase Southwest Rapid Rewards card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received a letter from the Mortgage Banking Executive Office on XX/XX/XXXX, and at that time were in settlement negotiations with the attorneys on my case for JPMorgan Chase, which I have been in since XX/XX/XXXX or thereabouts when an Agent for Chase called and asked if I would do a deed in lieu of foreclosure. As Chase is represented by counsel I felt I needed to obtain authorization from their attorney to discuss this type of matter with them. At that point I contacted their attorney of record and she gave permission for me to discuss this with Chase. My divorce attorney sent and email to the attorney offering to settle the foreclosure action for a deed in lieu. The attorney for Chase sent back and email asking if XXXX XXXX would sign. My divorce attorney said yes on XX/XX/XXXX. We did not hear back from the attorney and on XX/XX/XXXX in a court hearing they moved for and were granted summary judgment against me. 
XXXX of the basic defenses in my case was that no loss-mitigation was ever offered to me. Pursuant to XXXX XXXX XXXX XXXX XXXX v. XXXX. XXXX failure to comply with loss mitigation procedures ( FHA in this case ) created a genuine issue of material fact that precluded foreclosure ( and impacted the foreclosing Plaintiff 's equitable standing ). In my case this is a XXXX loan and I have found guaranteed by XXXX XXXX, which means it was probably securitized in a XXXX pool. 
On XX/XX/XXXX Chase 's attorney informed me that they reason they did the summary judgment was " the investor denied the deed in lieu '' on XX/XX/XXXX. Throughout this entire court matter JPMorgan Chase has represented itself as the owner/servicer. I was unaware of any investor in this matter that had a legal right to deny loss mitigation or settlement. If this " investor '' is the true party in interest, why were n't they before the court in the foreclosure action? The investor was n't XXXX as I have spoken with them and I am in the process of filing a formal complaint with them to deny the guaranty on the loan and have my {$2900.00} that I paid for that loan refunded to me as the servicer for the loan did not follow loss-mitigation required by the XXXX laws, policies and procedures. Banks have a right to collect the amounts they owe, but they also have an obligation for good faith and fair dealing outside of and in court actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An merchant account was created in my business ' name using my company 's EIN number. This account was created by someone who was not an officer of the business and Chase followed NO due diligence in making sure the account being opened was actually legitimate. Over a week before the account was closed, they allowed over {$7000.00} in charges ( that I am unaware to which bank account they went, since it was not mine ) and are claiming I will be liable for any charges made under my business name. Moreover, they are absolutely REFUSING to disclose any information to me without jumping through numerous hoops and filling out paperwork. They wo n't even give me such simple information such as WHO Opened this merchant account, because they could not have been an officer of the company. I 've spent several days waiting on calls back and spoke with several representatives all of whom acknowledge the fact that my identity and business ' entity 's information may have been compromised but they refuse to help me in any way or disclose the information I require to further investigate or take action against the perpetrators. I demand Chase disclose all pertinent information regarding this case ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On or about XXXX/XXXX/17, Chase Automotive ran a " hard inquiry '' on my credit report. This will have a negative impact on my credit score. I am up to date with all monthly payments so there would have been no reason to do this. I did not request any additional services from their organization either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
NOTICE OF ERROR AND REQUEST FOR CORRECTION Chase This is in response to your letter dated XX/XX/XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of Financial Center that initiated the contracts ) on XX/XX/XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XX/XX/XXXX 
3. The rescission was proper, timely, and unchallenged by Washington Mutual in " XX/XX/XXXX ''. 
4. XX/XX/XXXX I put a copy of the same written request in the hands of XXXX of CHASE BANK. Chase did not challenge the rescission in XX/XX/XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XX/XX/XXXX were rescinded and extinguished XX/XX/XXXX. 
7. Chase did not acquire servicing rights from Washington Mutual on XX/XX/XXXX, as there were no loans to service. Chase can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by Washington Mutual FA against my property were effectively rescinded in XX/XX/XXXX and were not a part of Washington Mutual 's receivership by the FDIC in XX/XX/XXXX. 
9. Chase 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to XXXX is unconscionable. 
10. XXXX has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of XXXX '. Fannie Mae had a record of the loans with their corresponding numbers from Washington Mutual from XX/XX/XXXX. 
11. XXXX does not service or recognize the above listed Mortgage contract identified with ID # XXXX. Chase must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. Chase needs to remove the deceptive assignments of Security Deed as Chase did not acquire ownership to convey to XXXX. XXXX gained ownership of the defective paper in XX/XX/XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
Chase has yet to put in the public record that # XXXX no longer secures anything. Loan # XXXX has a zero principal balance. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an unsolicited XXXX rewards XXXX card issued by Chase Bank. I did not activate the card and took the mailing envelope along with the XXXX XXXX and enclosed documentation to a local Chase branch and requested that the card be closed. The Chase officer called Chase Security and they canceled the card telling us that fraud was already suspected and that they had some knowledge of the Amazon.com/Chase Bank connection so the card was frozen prior to the branch banker calling today. Since the card was not activated there were no charges made so to the best of my knowledge nobody lost any money. I was told by Chase security to notify the credit reporting agencies, and the financial institutions with whom we have accounts to alert them. I have checked all of our accounts and received a credit report from XXXX and found no suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed an account with Chase with the XXXX major credit bureaus and directly with Chase. The credit bureaus and Chase both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Over three years ago, I lost a job that payed approximately {$86000.00}. Unable to find another position in that field, I have started a XXXX career. Building a business takes some time and without an adequate income, some credit card payments could not be made. XXXX the accounts that I have are with Chase Bank. On XXXX account, they sent a letter, informing me that they were preparing to write off the account as a bad debt. Keep in mind that I have had these accounts for decades. However, on the other account, no letter was sent and they did write off the account as a bad debt. I called on XXXX XXXX and a lady checked their records and confirmed that no letter had been sent pursuant to that account. I told her that I intended to contact this agency, in regard to this despicable business practice. She ask me to give her a few days to see if this could be resolved. She informed me that she would call me back on XXXX XXXX. It is no XXXX XXXX and I have received no call. 
I called today and spoke to XXXX people. The XXXX person I spoke to, XXXX, said that the aforementioned person did process a request to bring back the account. He said that, according to what he saw on his computer, the request was denied because Chase Bank deemed it to be " no bank error. '' He also informed me that they are not legally obligated to send a notification that they are going to write off the debt. If so, the law is bad. I believe this is the type of unethical business practice from which your agency was designed to protect consumers. Hopefully, I am correct. The grand irony in this is that, as my business grows and matures, it is my full intention to pay off all of my outstanding debts, but Chase would rather write it off as a bad debt now instead of waiting for their repayment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.

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: YKS Acceptance, Inc.
State: CO

Complaint narrative:
My husband and I purchased a vehicle from Herbies in XXXX of XXXX. Due to a large car payment we could not afford to maintain the contract. We surrendered the vehicle as a voluntary repossession in late XXXX. The amount of the repo totaled around {$7000.00} that went to collections. This led to a garnishment of my husband 's wages which is our only income because I have XXXX XXXX and I have been denied and appealing to Social Security for seven years now. The garnishment was every two weeks until it was paid in full at the rate of {$450.00} to {$550.00} per paycheck. I know there was a court order to refund consumers per a lawsuit to Herbies/YKS but not to included charge offs. However, I believe that we were still victims of this lawsuit as we did pay off the contract owed to YKS, therefore, we should be entitled to a refund because we paid for these undisclosed fees listed in the court ordered lawsuit. Please notify us of your findings and the reasoning of the results. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ XXXX. XXXX ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I recognized that my transaction posting via the app was not aesthetically similar to other check deposit transactions, I called to inquire about its validity.. ( mind you I made a deposit on Friday evening for an undisclosed amount ) I call Chase and speak to a fraud specialist and explain to her that someone put money in my account ( duh, it was me but forgot that I had made that deposit ) without my consent. 

Half way through the conversation my brain reactivates and I tell this representative ... " Oh! I now know what happened.. I received a check from work and made that deposit myself ... The reason I was confused was because the post on your Chase app was TOTALLY different.. generally there is a check icon next to a paper check deposit transaction.. '' She then says.. " Oh ok! That makes sense.. Let me get back to you in 2-3 minutes '' .. 

I wait.. 

She comes back onto the line and says " I regret to inform you that Chase has closed your account and has terminated our relationship with you. We will not disclose any further information '' I followed up with a local branch manager the following day to inquire about the situation only to find out that my account had only been restricted, and worse case scenario I would be able to pick up a cashier 's check for the remaining balance. 

Chase, without my consent, wrote a check and sent my money to the incorrect address.. They claim they notified me via letter but I have not received one.

Company response to consumer: Closed with explanation