vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/XXXX, I applied online for a credit card with Amazon, whose cards are provided by Chase. I was told I would receive an email once a decision had been made. I did not receive any decision email from either Amazon or Chase in response to my application, nor did I ever receive any communication through the regular mail. 

I contacted Chase directly by telephone today, XX/XX/XXXX, and was informed that my application had been declined on XX/XX/XXXX ( almost a month and a half prior ) due to insufficient credit history. When I inquired about appealing this decision, I was further informed that they only provide 30 days for a decision to be reconsidered. When I pointed out that I was never informed of their decision to be able to request reconsideration, the representative from Chase simply repeated that they provide only 30 days and if I am interested in a card with them, I must apply again from scratch. 

I have XXXX complaints about my treatment and experience. First, that Chase violated the ECOA and the FCRA by not providing me with any notice at all of their decision to decline my credit application - not through email as was stated would happen, and not by regular mail. Second, I believe their conduct was unfair as defined by the Dodd-Frank act. Through their own failure to provide me notice in a timely fashion ( or any fashion at all ), Chase blocked me from participating in their own appeals process in a way that I could not have reasonably avoided. Additionally, the representative I spoke to stated explicitly that there was nobody else I could speak to about this problem and there was no way for me to lodge an appeal at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I I have been a Bank of America for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.

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 non-monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Amount charged to my credit card was greater than the posted amount for parking. I contacted the merchant twice, I did not hear back. I contacted Chase on XXXX, and they refused to credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a chase credit card. I was declined and the letter gave reasons for denial. XXXX of the items cited was my Experian credit score which the letter cited as XXXX. My score is not XXXX, Experian cites it as XXXX. I worried that my score had dropped. I called Chase lending and spoke to XXXX different reps in lending who did not know why the score was cited as XXXX. They assured me that the score was not used as a determining factor, even though the decline letter stated that it was part of the reason. I paid to have my Experian credit pulled because no one at Chase lending could tell me why my score was cited at XXXX and there system did not. Turns out Chase rescores an applicant. If I had been told that Chase rescores I would have saved XXXX hours of complaining time with Chase XXXX a fax letter and would not have incurred a fee to pull my Experian score. Who knows XXXX many people are have experienced the same and have also incurred an expense to validate wrong data.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Adding money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i discovered a card that had expired and was not told when purchased that card had expiration date. company ( chase bank ) refuses to honor card which obviously gave bank a {$100.00} profit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} intro annual fee for the first year, then {$95.00}. After approximately two months of enrollment, I received a statement charging the annual fee for {$95.00}. I spoke with a representative who refused to waive the fee, so I requested a supervisor. The supervisor also refused and adamantly stated they can not reverse the fee. XXXX XXXX continues to offer similar XXXX cards with Chase bank and all of them have the {$0.00} intro annual fee for the first year, then the fee is charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Several years ago I received a notice from XXXX XXXX and XXXX saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then XXXX came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia in XXXX of 2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. In XXXX of 2009 the attorneys of XXXX XXXX XXXX and XXXX went to the XXXX XXXX magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am currently going through hardship and can not pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
going back about 5 years ago, navient reported to the XXXX New York state, that my parents plus private loan was in default, and the following amounts were garnished from my federal tax returns, according to the XXXX : XXXX XXXX, 2014 {$1000.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$1700.00} XXXX principle XXXX interest XXXX other? 

XXXX XXXX, 2014 {$190.00} XXXX principal XXXX interest XXXX other? 

For a total amount of {$2900.00} This was illegaly taken from my taxes as we put all my sons loans in deferment, and this should have been included. the loan went into default and they took the money. Navient and XXXX XXXX, told me that these loans could Not be put into deferment or forebearance and since they were not paid they took my tax return funds shown above. 
My sons current loans INCLUDING this loan are now in forebearance or deferment, which is troubling. This all started when the entities above, XXXX and navient, said they could NOT be included in the XXXX actions refered to above.I WANT my money returned and the amount re-added to the current loans all in deferment, as it never should have been garnished. these loans should ALL have been in deferment or forebearance since day XXXX XXXX This has caused a financial hardship during that time, and started many arguments with my son. Navient sent me letters sometimes XXXX4 times a week demanding money and being very unprofessional and rude to put it mildly..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have been attempting to redeem a " 15 year 4 % XXXX '' bond dated XX/XX/1985 issue # XXXX, issued by the Chase Manhattan Bank XXXX. and after calling on numerous occasions I have received vague and conflicting information without obtaining any results or satisfaction. The account # is XXXX and the tax ID associated with this bond is XXXX

Company response to consumer: Closed with explanation