vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company, XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an " estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX, Chase returned the {$1200.00} " estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX, Customer Service Specialist stating : " The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account, not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way, I 've canceled my Chase account and cut up the card. Oh, and they 're charging interest on the disputed amount, which I believe is illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have XXXX loans, each is a consolidated loan. XXXX is subsidized and XXXX is unsubsidized. I have been on an income-driven repayment plan since the end of my grace period, which was approximately XX/XX/XXXX. I have consistently paid more than the minimum payment in order to cover the minimum payment plus all of the interest that accrued for that month 's payment. However, I was not told until XX/XX/XXXX by someone named XXXX at Navient customer service that those overpayments I had been making were not allocated in the most cost-efficient manner for me. At the time she told me this, I had no idea that was even a potential problem. I just assumed Navient would allocate the payments in my best interest because no one ever asked me how I wanted them allocated. Furthermore, I have never been told how each payment was allocated and I can not find any place on its website where it shows me exactly how each payment was allocated to my XXXX loans. Therefore, I do n't know how much extra interest has accrued because of Navient 's secretive allocation of my money. As a second, separate complaint, I was also told by a Navient customer service representative that my total unpaid balance on both consolidated loans that I see on my log-in page does not reflect each payment I make, rather those unpaid balances are adjusted to reflect all payments only XXXX times per year. Therefore, unless I keep track of every payment I make and check my unpaid balances quarterly, I really do n't know if/how my money is being allocated to my loans. ( It should not be difficult to change the website to account for each payment Navient receives so that I can have peace of mind that the payment is n't getting lost or misapplied immediately after it 's paid ... banks can keep track of constantly changing bank balances without a problem, so why ca n't Navient? )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I went to XXXX in XXXX of this year for few days and rented a car XXXX. Allegedly, XXXX billed my credit card few months alter for reason still unclear to me. Chase mailed me documentation XXXX which I ca n't read nor understand. I 've been working with Chase diligently to resolve this but apparently they are NOT listening nor seem to care. I 've left with a charge of {$640.00}. Please help in this XXXX scenario!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, XXXX. XXXX Advertised personal loans on line and mentioned upon contact with XXXX on XXXX/XXXX/2016 that I qualified for a loan of up to {$7500.00}. 
Only thing I had to do is have Lexington Law Firm : XXXX XXXX # XXXX XXXX XXXX, XXXX. XXXX Improve my credit and after enrollment with Lexington Law I was guaranteed a loan. It is a Scam because they both do n't answer the phones to cancel service. There has been no loan just a setup to have consumers enroll in a credit repair service for a charge of {$14.00} and {$99.00} a month. That you can pay with the loan proceeds. Contact at Lexington Law E-mail : XXXXXXXXXXXX XXXX loans are offered it is a scam to force consumers into retaining a credit repair service or Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I refinanced my car from the XXXX to Chase Auto in XXXX of 2016. I filled out all the documentation Chase requested and shipped off all the documents, around XXXX XXXX 2016 the car note appeared on my Chase account and I have been paying it there ever since. In XXXX, I received an Odometer statement that I put in an envelope and sent back to Chase. On XXXX XXXX, I was in a car accident and my car was deemed a total loss, I was in contact with both XXXX and Chase and while XXXX has been extremely helpful, Chase has not. XXXX provided me a settlement amount on XXXX XXXX and provided me a rental car for 10 days ( while they wait for some documentation from Chase ). It is XXXX/XXXX/2016, I am still waiting for Chase Auto to release my Title to XXXX so that the car can be paid off. I have been in contact with Chase constantly through this time trying to figure out what I can do to speed up the process and have not gotten anywhere. 
On my first contact they said the issue was my odometer statement never being received ( I faxed the document to them same day and nothing came of it ) on the second contact I was informed that Chase was waiting on the DMV to " perfect '' the title and to call back in a few days. When I called back I spoke with yet ANOTHER person who said that Chase never received a lien release from the Credit Union and I need to talk to the Credit Union and acquire this document as they can not get the Title without it. This went on and on, getting different information from each person I would get into contact with at Chase. 
I went to the Credit Union and they advised me that both the title and lien release were sent to Chase as soon as the refinance went through ( back in XXXX ). They provided me with another lien release and Chase informed me that I would need to take the document to the DMV ( JUST the lien release ) and they would update the Title. At this point my husband ran a VIN number check and saw that the Title was already in Chase 's name. He took this information to a Chase Branch and spoke with a banker who informed him that the refinance had never actually closed ( even though Chase added the balance to my account and I have been paying them all this time!! ) The refinance is open. Since XXXX 2016! They entered an escalation and stated that I should hear back within 3 days ( that was about XXXX ). 
I would like this matter to be resolved as soon as possible. I think someone at Chase dropped the ball during the refinance and I am having to pay for it. It 's getting to be more and more difficult getting to work without a vehicle, and taking an uber everywhere is getting expensive. I do n't think I can buy another vehicle with this one still on my account ( might increase DTI ), also I do n't want to risk having 2 car payments. XXXX is waiting on the Title in order to pay off the vehicle and it appears that Chase is unwilling to provide the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My Chase Mortgage Statement has XXXX payment options. I was reviewing the option to pay the mortgage off in 20 years but the payment amount indicated on the mortgage statement did n't make sense. I manually calculated the payment and came up with a payment roughly {$2000.00} less each month. I checked and rechecked, assuming I made a mistake. Then I phoned Chase, the customer service agent pulled up her copy of my statement and insisted the statement was correct. As we continued the conversation I explained what I thought was incorrect and eventually she manually calculated the payment herself and admitted the statement had bad information. However, this loan has been an interest only loan so the principal amount has been about the same throughout the last nine years. She then went on to tell me the 20 year amortization is actually based on 12 years. I questioned that since the statement says it 's based on 20 years but she said the calculation was fixed at the time of origination and that would have been the payment if we had started making the 20 year payment at the time of origination. That does n't make any sense and is misleading. There is still 21 years left on the mortgage and basically no principal has been reduced so 20 years should be 20 years and not 12. I think their making excuses for a glitch in their mortgage statement and instead of admitting it was an error they 're trying to say 20 is actually 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please see authorization for me to get the funds returned to the client XXXX XXXX. XXXX XXXX paid off the lien but as his payment was on automatic payment it continued to pay the lien. Chase kept accepting the payment even thought the lien was paid off! They relieved over {$75000.00} dollars in payments after the close of escrow. The honest thing would have been for Chase to return the payment and a note explaining that they received payment to a loan that had been paid off but they did not. Instead they used XXXX money for all that time! Enough! Return the money immediately! 
Please demand that Chase send me a check made out to XXXX XXXX XXXX immediately. 
Sincere thanks for your assistance. 
XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.

Company response to consumer: Closed with monetary relief