vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had ordered tickets to a hockey event for XXXX XXXX, XXXX. I had called the credit card company to let them know that the tickets arrived later than I expected for a XXXX XXXX birthday gift and that the tickets that were not the ones I had ordered. The section and row was changed on me without my permission or knowing of it till after the purchase. I had called Southwest Visa and their representative said that since the tickets were changed on me that I could return them to the seller for a refund. I returned that tickets, certified mail, just as the credit card company representative told me to do so. As I 'm awaiting a refund, the event had past. Later the company had told me that the charge was valid and that there would be no refund. Well, because of the misinformation of the representative from visa, XXXX XXXX XXXX @ XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX ) I had no tickets tickets to the event and was still charged the amount of {$1000.00}. XXXX. Visa keeps ignoring the letters I sent them about my issue with the charge. They are not seeing the fact that their representative directed me incorrectly with what to do and therefore I had no tickets to even go to the event if i chose to attend it and not give it as a birthday gift. Whatever help you could provide me with would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 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: CA

Complaint narrative:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JP Morgan/Chase Auto and XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX and XXXX XXXX of NH, perpetrated a FRAUD car loan upon me in XXXX of their high-risk predatory lending schemes for which they have been previously penalized/fined by Federal Government by litigation brought forward by NH Banking Commission in XX/XX/XXXX-to date. 

On XX/XX/XXXX, all of the above perpetrators received a CH. XXXX demand letter requesting they cease and desist their fraudulent claim against me and remove/delete all derogatory reporting filed against me in credit reporting agencies, and stop high-risk predatory auto loan schemes against me. 

MA and NH Attorney Generals have received copies of my Ch. XXXX demand letter and complaint against above perpetrators. NH Atty General forwarded my complaint to NH Banking Commission which originally successfully litigated against JP Morgan/Chase in their previous high-risk predatory mortgage-lending schemes and Fed. Govt penalized/fined them for their illegal actions. 

On XX/XX/XXXX XXXX XXXX received notice of a fraud alert on my account by JP Morgan/Chase Auto, yet continued to update my XX/XX/XXXX Credit Report including derogatory comments on my account. Please contact TransUnion so that these derogatory comments by JP Morgan/Chase can be deleted. I lost XXXX points on my credit score because of these fraudulent derogatory comments notated by TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: OH

Complaint narrative:
We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is now over 3 years since i requested for a XXXX Short Sale on my mortgage account, Chase has been playing games telling me that they are reviewing my file. 90 days later they respond back to me telling me that the file was declined becuase the negotiator forgot to place my file under review. Now i have to reapply all over again. 

IT IS NOW 3 YEARS since Chase keeps doing the same thing, as of last month Chase told me that the file was delayed becuase my previous realtor and i needed to hired a new realtor if i want them review my XXXX Short Sale request. Now that i hired a new realtor Chase is refusing to review my application and they have placed a foreclosure sale date set for XX/XX/2015. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 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:
The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a Chase Mileage Plus Explorer Visa card which has an annual fee of $ XXXX./yr. I chose to discontinue that card and knew that the fee was coming due in XXXX. I cut up the card and mailed it to Visa in the XXXX. When I received the statement in XXXX, I ignored it since I knew that I had already closed the account and had not made any purchases on it for at least six months. 
In XXXX, I received a statement with the {$95.00}. annual fee plus a {$1.00} purchase interest charge. 
I called them immediately saying that I had mailed the cut up the card and that the account was closed. They told me that they had not received notice that it was closed and that they would close the account but that I still owed the {$95.00} fee since it was not closed within the time frame of when the bill was received. 
My argument is that I certainly did close it within the appropriate time frame. The fact that they can not find it should not be on my dime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XXXX XXXX, 2016 I made a transaction with XXXX XXXX XXXX for XXXX cents, they charged me the XXXX cents and {$19.00} on my Debit card. I immediately contacted by bank Chase and reported the fraud. I also contacted XXXX XXXX and they reversed the charge. On XXXX XXXX Chase debit me the {$19.00} and then credit it back on XXXX XXXX stating they received the reverse charge from XXXX XXXX XXXX. On XXXX XXXX Chase re-debit the {$19.00} from my account, they said it was for review. This put my account in the negative by - {$4.00} and then I had a debit of {$12.00} which put my account in the negative to - {$16.00}. Then on XXXX XXXX they charged me {$34.00} for Insufficient Funds. I contacted Chase and they reversed the {$34.00} but has yet to return the {$19.00}. They say we assure you we have not taken your {$19.00}, but yet my account is still short the {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: CO

Complaint narrative:
I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I 'm a XXXX and a new Chase Bank checking account customer. I was familiar with the case against XXXX Bank XXXX. in which they failed to correct deposit discrepancies below a certain threshold, resulting in millions of dollars in lost funds to depositors. Today I received a notice with my bank statement from Chase informing me that there were going to be changes to my account terms. XXXX of them included a statement that any deposit slip discrepancies below {$10.00} would not be corrected unless they were found by the account holder and reported within a certain timeframe. This would result in the same situation that occurred with XXXX Bank XXXX. I submitted an email to Chase, and included a link to the press release for XXXX. I have only made XXXX in-person deposits to my Chase account, the rest have been electronic. XXXX deposit was made via their ATM, and it did not have an option to use a deposit slip or a deposit envelope. The deposit amount was determined via an internal scanner. There is also no envelope for depositing cash, you just feed cash into the machine. Due to potential mechanical failure, I have chosen not to deposit cash through this machine. I prefer to have a sealed envelope, with no risk of comingling of cash that might make it impossible to fix a system glitch. Additionally, I prefer to calculate my deposit and write in on the envelope. I understand that there is a risk of fraud by consumers who deposit empty envelopes, however, if you are n't going to correct discrepancies and rely on a computer to complete the transaction, then there is a much greater risk to consumers, as proven with the case of XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My XXXX died in XX/XX/XXXX Ireported his death as legal executor of his estate. XXXX Ohio probate case # XXXX. I contacted XXXX to inform themofhis demise and the fact he died insolvant. This as an unsecured debt. They stated they had recorded the information. His estate was closed on XX/XX/XXXX. I personally paid for his funeral and other expenses related to his demise. 

In todays mail i received a XXXX indicating they had charged off my XXXX 's cedit card when the account should have been closed in XX/XX/XXXX. Further, they mailed the information to my home and i had moved in XX/XX/XXXX. My XXXX never lived at my new home or knew of its existence. He lived XXXX miles away from here. Chase is using my address as his. This is a act of fraud. The estate is closed. XXXX # XXXX on XXXX. 
This form was reported to the IRS and we all know what they are like. Chase shouldbe angry with themselves instead of harassing me. I want a update sent to the IRS concerning the status of this debt. My XXXX has been dead for almost 3 years. They did not do this chargeoff in a timely fashion and only did this to be purely punitive.

Company response to consumer: Closed with explanation