vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later both cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.

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 explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase approved a deed in lieu in XX/XX/2016, before selling the servicing to XXXX. Because they never ordered the assignment of mortgage, I 'm at risk of an illegal foreclosure. I just got off the phone with Chase and they said that the assignment was ordered on XX/XX/XXXX. This was after my constant follow up over a month ago. Today after speaking with Chase, I called XXXX county myself and they told me that they 're up to requests from XX/XX/XXXX. Chase should have ordered this in XX/XX/2016 but they clearly missed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A charge to my debit card for a XXXX in XXXX XXXX was made on XXXX/XXXX/16 ( I live in XXXX and have never been to XXXX ) for {$980.00} and {$41.00}. I immediately called Chase Bank to report the fraud, and they temporarily credited the money back to me. On XXXX XXXX, they reversed the temporary credit because " my card has a chip and the chip ca n't be duplicated ''. I spoke to a supervisor, opened up the investigation again, and received another temporary credit. Now Chase Bank decided to permanently give me back the {$41.00}, but is reversing the temporary credit of {$980.00}. I will call again and try to speak to someone regarding this, but right now " the system is updating ''. I 'm frustrated beyond belief, and I plan on closing my accounts with Chase Bank after I receive the money that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10 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:
The loan servicer, NelNet, continues to make changes to the amount I am supposed to pay, in spite of a letter from them dated XXXX/XXXX/16 acknowledging that I have been approved for the income-driven repayment plan and that my payment will be {$130.00}. First, they deducted several XXXX dollars from my checking account with no notice, this deduction was not authorized and it was unwarranted and incorrect. Now they have for some unexplained reason put my loans into some sort of forbearance with no notice to me or explanation that this is happening. 

I work in a non-profit and all I want to do is make XXXX on time payments so that I can apply for PSLF. 

I think this company is shady and purposely is trying to extend the life of the loans and the capital balance so that they can charge the Dept of Education as much as possible and increase their profits. Some investigative journalist ought to take a look at it. I 'm sure plenty of loan holders and plenty of front line customer service employees will have lots to say.

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

Complaint narrative:
I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.

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 2016-11-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DLC, LLC
State: IL

Complaint narrative:
I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the course of banking with Chase I was given the option for overdraft protection and chose to decline all overdraft protection so that if a charge was made that I did not have the funds to cover Chase would decline the charge. I believe I made this choice sometime around 2010 and it worked beautifully on the few occasions that it became an issue. 

Sometime between then and now they began allowing overdrafts again, this changed without my knowledge or permission. I have not agreed to any overdraft protection but have, once again, paid the occasional overdraft fee. Each time I have spoken with a Chase representative and am told that they never offered the option to decline charges and that the decision to allow overdrafts is made by a computer algorithm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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, along with other banks, have a deposit cut-off time. For Chase this cut-off is XXXX EST/XXXX CST and deposits made after this time are considered next day deposits. The problem with this cut-off time is that if a transaction, like ACH payment, hits the account after this cut-off and causes the account to become negative ; the consumer is not given the opportunity to deposit funds to avoid being penalized with an " overdraft fee ''. If the bank has a deposit cut-off time then it should do the same for transactions posting to the account. How is this okay or fair to charge a fee without giving the consumer a fair opportunity to deposit funds to avoid getting fees? 
I voiced my concern to Chase by opening up a complaint which I was told I 'd hear back from a manager within 2 business days and it has now been 3 weeks with no contact from anyone at Chase. 

Yes, in an ideal world, if you know a bill payment is going to be taken out of your account be prepared and have the money in the account. But that is not the case for myself nor for many other families getting by living pay check to pay check. If I barely have the money to pay my bills, I definitely do n't have the extra money to pay fees to any bank including Chase.

Company response to consumer: Closed with monetary relief