vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX refuses to to refund my money which comes to {$120.00} for antivirus software I tried to download but couldn, t but they charged my credit card anyway.I notified them XXXX times but they stopped answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposited check on XX/XX/XXXX and 10 days later, check was n't cleared. Called bank to inquire as a " fraud hold '' was noted on my account and I was told very nicely that the funds would be credited to my account. The representative could did not however, adequately explain why the clearing process was excessively long. Upon checking my bank account online, I noticed that a " pending hold '' memo was on my account. I 'm not sure if this means the funds were provisionally cleared or actually cleared. My complaint is that the time duration of the check clearing process in the modern era is excessive and should be modernized via existing technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. 
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: FL

Complaint narrative:
I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The collection agent or Nelnet has reported my student loans 4 separate times per month to credit bureaus ruining my credit score even though I am qualified for a forbearance with a payment due of XXXX per month for 240 months

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/16, I became aware of an egregious violation of my personal and financial privacy at the hands of JP Morgan Chase Bank. I was informed by an individual that was not myself or Chase Bank that my individual checking account was appearing on monthly statements for an individual that was not on that account. I am on a checking account and a savings account with my mother, and those accounts receive monthly statements at the mailing address that we share. 
These statements are addressed to XXXX us since we are XXXX on the accounts. 
However, the most recent statement also included my individual checking account which XXXX is not on as well as a summary of my individual credit card which XXXX is not on. Since the statements were addressed to both of us, this would imply that we are XXXX authorized to view the information on all of the accounts, but this is not accurate. This was troubling as my mother is not authorized to receive any financial information relating to the credit card account or the XXXX XXXX XXXX Account in my name. 

XXXX the aforementioned individual accounts were set up at a Chase branch. During the account set up, my mother was not present, nor was she ever brought up during the account creation process, so I had no reason to expect this egregious violation to occur. Further, the credit card was opened with my social security number, not her 's. None of the paperwork for either account featured her name or any indication she was on the account since she is not. 
My mother called me to inform me that she received the statements and saw my financial information, and that she had called in to Chase to inquire about them she originally believed them to be fraudulent since she did not recognize making them, and she was given information about the transactions including the name of the person who made the purchases. She is not on the account and should not have received any information about those transactions, yet she was provided with detailed information. Yet another egregious violation of my personal and financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. 
I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. 
On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. 
Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. 
Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. 
Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. 
I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. 
I called Corporate Office a third time and they were closed. 
360

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We want to file a complaint against Chase Home Financial , Inc. 
Chase, against our will, paid our property tax ( XX/XX/XXXX-XX/XX/XXXX ) in XXXX, XXXX, and put it in escrow. Ever since Chase has been adding late fees and threatening to foreclose us. By foreclosing, Chase intends to steal XXXX {$300000.00} ( equity ) from us. 
This is absolutely absurd. although we have been making mortgage payment every month, we have n't paid the escrow because Chase already took more than {$6000.00} from us within the past three years ( XX/XX/XXXX-XX/XX/XXXX ) in escrow-related matters, and & gt ; {$6000.00} pretty much pays for the XX/XX/XXXX-XX/XX/XXXX property tax. 
After thinking the situation over and over again, we have come to think that Chase is abusing escrows ; operating a money-making business ( extra curriculum activities ) ; and acting a robbery. Could you do something to stop and prevent these escrow abuses? 
We have initiated a class-action lawsuit against Chase. 

We sent a following letter to Chase on XXXX XXXX, XXXX. 
Dear Chase : We have got {$10000.00} in hand, but we are not paying the escrow as you claim at this time. After thinking about the problem we have with our mortgage payments over the last eight months, we have come to think that we already paid the escrow and do not owe it ; or, in another word, you already took the money from us, saying that we owed you the monies for home insurance ( {$2600.00} for eight months ) in XX/XX/XXXX and numerous late fees since XX/XX/XXXX to this days. If you foreclose us as you are threatening us, you are going to steal our equity of ~ {$300000.00} in the house as well. 
Apparently, you are abusing escrow ; operating a money-making business ; and acting a robbery. Assuming that you have been doing this to numerous home owners, we are contacting law firms and initiating class-action lawsuits against Chase. 
We are also complaining to the Consumer Financial Protection Bureau ( CFPB ) and urge them to enact a better law on escrow or eliminate escrow all together, in order to prevent abuses. 

Sincerely XXXX & XXXX XXXX XXXX XXXX, MD XXXX : Chase Home Loan # XXXX : CFPB Case # XXXX ( continued )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.

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 2016-10-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The purpose of this complaint is to clarify the terms and accounting on my clients ' mortgage. My clients suspect that they may be the victims of a predatory loan. They have asked the lender several times for basic documents and accounting, but it has failed to provide this information. 
The debt originated with Chase in 2005 with a balance of approximately {$290000.00}. Over the years, my clients have received XXXX hardship modifications to the loan ( XXXX for unemployment and XXXX for XXXX ). These modifications included a forbearance period. 
As my clients began to receive statements from Chase, they were surprised to find that the new loan balance had grown to approximately {$310000.00} -- an amount greater than the original debt. They made inquiry to Chase but received no relevant explanation of the new balance. My clients then filed a complaint with the Arizona Attorney General 's Office, questioning if the terms of the modifications were predatory. Several days later, Chase sent notice that the debt was transferred to XXXX XXXX XXXX. 
Because of the actions of the banks, I suspect that there are unfair, predatory, abusive and/or deceptive terms in the loan or modifications. Further, because my clients have not been provided with relevant information concerning the debt alleged, they feel they can not make informed decisions about it.

Company response to consumer: Closed with explanation