vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a Slate credit card with Chase and submitted a request for XXXX balance transfers to consolidate all of my credit card debt to my Chase Slate card. Of the XXXX cards with balances, only XXXX of the balances was cleared by Chase. The other XXXX ( XXXX and XXXX ) still show a balance on my accounts. I am now being charged interest and late fees because Chase posted my balance and indicated they had cleared the balance from the other accounts, though they had not. Chase is now telling me I have no recourse but to wait 30 days for them to " complete an investigation ''. In the meantime I am racking up interest charges I am not sure I will get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My daughter had a private loan with Chase and I am the cosigner.I never received a statement from them in the 4 years since she took it out. Last month I got a document from them showing the original load had increased by {$2000.00} due to interest. Had I received statements from them, I would have been paying the interest as I have done for the past years with the other private loan she took it out. When she logs into her account there is no information about the servicer or interest amounts.It only shows it is in deferment. The interest also seems excessive. The original loan was {$600.00} and now it has increase to almost {$8000.00} in a few short years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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: NJ

Complaint narrative:
The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. 

I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit report is showing a balance on a credit card that does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2010, I refinanced my mortgage with Chase bank. At the time, they made an error and overcharged me {$14.00} in fees. This error was not uncovered until this year, and I was mailed a check for the {$14.00} I was overcharged. I contacted the bank and demanded that they also issue an additional payment for the interest/earnings I missed by the bank holding my {$14.00}, pointing out that the value of that money in today 's dollars differs from XX/XX/2010 value. They refused to grant my request. I pointed out that if I had withheld payment on a loan or credit card, I would have been charged interest and penalty fees, so the same should hold for the bank. When they still refused, I indicated that I would contact the CFPB. Please let me know what steps I should take for fair compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Freedom card which was opened XX/XX/2015. In XX/XX/XXXX, Chase had placed my account on hold and falsely reported the account as " account information disputed by consumer '' and I later came to find it was closed by Chase. I did complain to Chase regarding the matter and I believe they did correct it after some time, but they refused to reinstate my account. Earlier this month after applying and verifying my identity I was approved for XXXX more cards from Chase. Upon receiving the cards in the mail I proceeded to activate them but when I called in I was told that my accounts were restricted before I even had a chance to activate them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I have recieved numerious call back to back. I recievd serveral calls with in an hour time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My hardship began with unemployment starting in XX/XX/XXXX through XX/XX/XXXX. I became employed at my current employer XX/XX/XXXX and worked with my lender to complete a modification as I was unable to pay the amount due at the end of my unemployment deferral/forbearance. Things were going ok as I was attempting to get caught up on my other debts that I fell behind on during unemployment. XX/XX/XXXX I had unexpected vehicle repairs at a cost of {$900.00} then during the winter months my electricity bill sky rocketed to $ XXXX- {$400.00}. I have lived at my home for 6 years and the most my electric bill has been during the winter was {$250.00}. I was able to make some payments and sent 2 payments in the amount of {$1100.00}. I was advised the payments would be sent back to me and I would need one additional payment. I made contact to see when the payments would be sent back, as I was going to add the additional payment that was stated to be needed to it. I was advised that the money orders were sent back XX/XX/XXXX ( Saturday ) and was emailed a copy of the money orders and the letter attached with them. However, I never received my payments, nor the letter that was emailed showing them being sent back on XX/XX/XXXX. I called again and advised I had still not received my payments ; this was around XX/XX/XXXX. I was advised at this time that I would have to produce 2 payments instead of the 1 I was previously told no later than XX/XX/XXXX. I advised the agent that I could do that contingent upon receiving my 2 payments and I had a payday on XX/XX/XXXX. The agent advised that it needed to be submitted by XX/XX/XXXX. Foreclosure began on XX/XX/XXXX. 
I sought assistance from the NC XXXX and was denied. I continued to work with my lender and advised I still had not received my money order or the notice that stated were sent XXXX. I consulted with my bank to see if the money orders had been cashed. They advised no, but I would have to wait 90 days from the date I purchased the money orders before I could submit a refund request. The money orders where purchased XX/XX/XXXX, so I was unable to complete a request until XX/XX/XXXX and by that time my account was at 9 months past due and I was unable to make the full amount due or qualify for a repayment plan. I am currently seeking other employment, but no luck just yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An amazon J.P. Morgan credit card was opened without my authorization and charged for my amazon prime membership. After speaking with J.P. Morgan two months ago, the account was closed an investigator was assigned, XXXX XXXX, ( XXXX ext. XXXX ) who sent me a letter saying that the account was closed and I was not at fault. I had been told that the payments I made to the account to clear the balance and not negatively affect my credit plus the interest ( {$100.00} dollars and change ) would be given back to my bank account. The entire process has taken over two months and I have still not been able when calling to get in contact with someone who can refund the money to my account in the way I was told in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We had requested a home mortgage modification a few times previously, each time we were told that our documents had been lost in the mail, or we needed more documentation that did n't exist. We applied ( again ) for a Home Affordable Modification Program mortgage modification. We were having difficulty maintaining our home payments. Not only was our mortgage extended out another 30 years, but we were charged a XXXX fee of {$11000.00}! We felt as if we had no other option, so we agreed. After reading the article in XXXX XXXX, we are hoping that you can help us.

Company response to consumer: Closed with explanation