vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I requested a charge back from a company that did not honor their return policy on XXXX/XXXX/15 with Chase Bank, they issued a temporary credit but I received a letter on XXXX/XXXX/15 stating that Chase is temporarily holding the credit due to the account being closed due to a balanced owed of {$210.00}. The closed account that they 're referring to was also closed on XXXX XXXX, 2015 when a credit was accepted & the balance of {$210.00} was taken care of & the remaining money was credited to my savings account without question or incident, so I do n't understand why this form of action was taken instead of how it was previously handled. It 's going on 2 months that this has been going on so why am I still waiting on a response from the merchant when I supplied the bank with the shipping receipt, an email showing correspondence of the return process & stated the fact that the company had no plans on rightfully returning my money although they received their merchandise back, their exact words were my bank, the XXXX nor the consumer protection bureau regulate their actions. The matter of the closed account for {$210.00} has been taken care of & considered as settled as of XXXX/XXXX/15, so this temporary hold dated a month after this matter was considered settled should n't have occured, it did n't happen with the first charge back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 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: IA

Complaint narrative:
In attempting to recertify my income-based repayment plan with Nelnet, I have received misinformation, undue delays, and I am trying to be pushed into unnecessary forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE Bank sent me a letter indicating that it had decided to close a checking account that I opened with it over three years ago. When I contacted the bank seeking an explanation, XXXX consecutive representatives told me that no explanation was forthcoming stating that it was within the bank 's purview to close my account without giving me a reason why. 
In trying to find a reasonable explanation of the bank 's action, I explained to at least one of the representative that I 'm a XXXX person and that the money coming to this account is mostly from social security and from a part-time job I have as an XXXX, and that most of the withdrawals I make are to pay normal pecuniary expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase account was restricted because of a mistake that was made by somebody else, resulting in me not being able to have access to my funds in my account. I 've been told that I had to wait 2 weeks until I was able to use MY money again. I was also told that some of the funds would be available today, XX/XX/XXXX. Then I was told that the manager who told me that lied to me and that my funds were still on hold. I keep getting the runaround about MY money. I have a life to live, which I can not do because the bank refuses to give me any access to MY money. They keep telling me 7-10 business days & honestly, no one can survive like that with absolutely NO money. They wo n't even let me close my account and get the funds out. Chase is just a HORRIBLE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE CONTINUES TO REPORT LATE PAYMENTS ON A CLOSED ACCOUNT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Bank misapplied my mortgage payment again! It occurs every six months, as I have an ARM and when it changes, Chase 's computer goes to default, and makes XXXX payments, rather than applying the payments to additional principal. This has occurred twice a year for 4 years, and they always state they have fixed the issue. They are hoping I wont catch this behavior, so they will make more money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am the XXXX of the XXXX of my mother, whom the XXXX Supreme Court of XXXX has determined to be an Incapacitated Person ( XXXX ) under XXXX state law. 

On XX/XX/2015 the XXXX Department of JPMorgan Chase Bank, N.A., sent a letter to the XXXX indicating that they had received a garnishment order and outlining the debtor 's rights. However, Chase did not send a letter to me, despite the fact that ( a ) XXXX is legally incapacitated, ( b ) I am her guardian under law, and ( c ) the address to which Chase sent this letter is not in any way associated with the account that was garnished. 

By sending this letter to the XXXX instead of myself as her guardian and legal account-holder, Chase failed to provide adequate notice of this garnishment and possibly deprived her of her legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a mortgage with Chase acct. # XXXX which was sold to XXXX acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now XXXX ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to XXXX they kept returning them to me stating the payment was not enough to cover the debt. 
Chase sent the reimbursement check made out to XXXX AND THEY ( XXXX ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for XXXX and even he can not get an answer from XXXX. 
XXXX states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by Chase. 

What I need:1 ) Chase to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to XXXX. 
2 ) XXXX to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
The Company did not respond to the QWR, or the response received was unsatisfactory or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank card made unauthorized withdrawals over years. We only discovered it when we began questioning an unknown XXXX withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX I was awarded a Hamp Modification in which I was given an incentive for XXXX years equal lying {$35000.00}, in which I was only given one in XXXX and the rest was not honored. The amount that was not honored was {$23000.00} because Chase stated that I went XXXX months late in which I never was three months late, because I was trying to get another Modification with a more affordable payment because this modification was never affordable. Chase stated that I never qualified for another modification because I was never three months late. I was just awarded a recast in which they put the monies that were supposed to be my XXXX & XXXX incentive as a balloon payment in the amount of {$23000.00}. I was also given an incentive of {$83.00} for five year every year in which I only received on as well and that was XXXX XXXX, XXXX. The other four years has never been honored due to the fact Chase stated that I paid at the end of the month, but Chase never discussed with me that I would lose this incentive if I did n't pay by the XXXX of the month, they said monthly in which I was making the monthly payment at the end of the month. You can refer to reference # : Consumer Financial Protection Bureau Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I accidentally made a payment of XXXX I meant to only pay XXXX I have sent XXXX emails requesting to have a refund. I have sent the requested documents ( voided check, transaction report showing payment to Chase bank and also a copy of my bank statement ). The payment was made via my bank bill pay online on XXXX/XXXX/16. 
I am being told that they did n't receive document by XXXX representative and then told by a different representative they received everything fine and it was forwarded for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CO

Complaint narrative:
Purchased XXXX ford truck from dealer called XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX on XX/XX/2016. Financed XXXX through Westlake Financial XXXX XXXX XXXX XXXX XXXX, Ca XXXX. Less than XXXX miles after leaving the dealership, my truck broke down and would not re-start. Dealer was notified immediately. I paid for tow to the dealership took the truck back. XXXX at the dealer said they would repair it and they had possession for two months. I drove it away and the next day ( XX/XX/2016 ) it would not start while at a job site. Two hours later it started with no problems and I drove it to XXXX XXXX XXXX. They determined XXXX in repairs needed. On top of all this, no emissions testing was ever completed by the dealer and now with these repairs needed it will not make it to the emission testing station. The dealer has agreed to work on it again but we do not trust the dealer and ask that the authorized XXXX company work on it. I purchased this as a work truck and to this date have been unable to use it at all. The finance company is aware of this problem but they say they can not do anything about it. I request that the dealer buy back this truck and refund me the expenses up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a Chase Sapphire Reserve credit card in a Chase branch. However, the banker submitted an application for a Sapphire Preferred tier card instead. Additionally, I have ended up with several Chase credit cards but I only wish to carry XXXX so I would like Chase to 1 ) fix the Sapphire error by replacing my Preferred card with the Reserve card I applied for and 2 ) move the credit limit of all my Chase credit card accounts to the reserve card and close all other accounts but 3 ) before consolidating credit lines and closing accounts, please confirm that I will not lose any reward points accumulated on those accounts ... .in other words, since I will keep a reserve card active, all my existing points will stay as-is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX card no. XXXX, XXXX card no. XXXX and Chase card no. **************** are always lowering our credit limit and it is affecting our FICO score because of the maximum utilization percentage.Our maximum utilization percentage is higher because of the lowering of credit limit and it is happening frequently.Yes, we do have debts and we are making payments every month which is more than minimum payments and we are lowering our debts in a responsible manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XX/XX/XXXX I opened a XXXX acct for XXXX /month, on XX/XX/XXXX to be exact via my Credit card. My son who was XXXX yrs old at time on XX/XX/XXXX opened was also, unbeknownst to me with my Debit Card via Chase at same amount XXXX/month. So there were XXXX accts simultaneously XXXX under my email address and the other under my sons. This i did not discover until XX/XX/XXXX. I immediately called XXXX had resolved but not the $ reimbursement of amt XXXX. XXXX informed me i would have to resolve through the Chase Bank. I went into the Bank Thursday XX/XX/XXXX filed paperwork. They credited my acct approximately 85 XXXX Now i received a notice from the bank that informs me they are taking the $ back, they have informed me that " AT this time, we determined the transactions are correct '' As a result we are removing temporary credits from your account. 
My question is i removed my accounts from Chase due to other matters that i as a customer found irritating. I have left the account opened due to automatic deposits of my Child Support checks and I have a credit card with them also. Therefore i do not go in and check acct for automatic withdrawls until recently when i noticed the netflix withdrawls. 

Is there more i can do to be reimbursed? i was making double payments both in my name to total amt of XXXX/month when i asked XXXX why not contact me if noting that my name was on XXXX accts. as payee, why they did not contact me, they informed me that that was my responsibility. 
Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?

Company response to consumer: Closed with explanation