vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i took my parents out to dinner and to make a long story short, originally i was gon na pay by my card ... hence the swipe but i changed my mind. thats still allowed right, to change my mind right? so when the waitress came back, i had told her that i would be paying cash, where i was given both receipts and told by the waitress that the bill would be voided off at latest the following day at which point, i gave her a cash amount for the bill which was XXXX dollars and change and additional cash for her tip. at this point some days passed and i called up chase bank and filed a dispute for the amount wasnt ' voided off my debit ... at that point if you were the mediator, chase bank, it would be an easy situation to decide right? considering the XXXX by law is mandated to keep a copy of all charged receipts for a time of two years, just in case their are misunderstandings like this one. its simple, either im lying or not. if you were chase about two months later, wouldnt you of requested from XXXX a copy of my signed receipt authorizing the debit charge and if XXXX cant furnish a signed copy, then this dispute becomes easy right? what a way to treat your clients, like s.it! i have been yelled at, basically told to XXXX by chase bank. everything and anything, to tell me to buzz off and to make this complaint a wee tid more interesting, i sent via usps certafied tracking to chase hq in XXXX XXXX a copy of both unsigned receipts given to me and they still havent so much as written me a letter except when i called and got yelled at like a two year old to be told your dispute has been denied, so i go i wan na appeal, i get hung up on. its simple, excuse me XXXX in XXXX XXXX in XXXX, we want a copy of his signed authorization, oh you dont have a copy, hence two months later. 


client XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX : chase bankdebit dispute for cash payment given to XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: NC

Complaint narrative:
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I decided to purchase a leased vehicle and sought financing from J.P. Morgan Chase bank as I was n't able to afford the more than {$14000.00} required to pay for the car in total. A financial structure was set up but now I find after 4 years of automatic deductions from my checking account, totaling nearly {$24000.00}, there 's at least 2 more years left to pay and a payoff balance of more than {$6000.00} which means I will have paid {$30000.00} by the end of this set up. Is this predatory lending? I have been a preferred customer with the bank for over 30 years. What can I do to negotiate a better deal as a retired XXXX year old living on a fixed income? I tried to return the vehicle back to the dealership but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase sent me an unsolicited credit card for Amazon.com. They sent a separate unsolicited credit card for Amazon.com to my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around {$33000.00} per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was XXXX from the tone in my voice and I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Recently Chase decided that " COINS '' are no longer a valid currency at their banks and that they would no longer accept loose change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 

In XXXX, I refinanced my home with Washington Mutual, and the loan was later serviced by Chase. My mortgage payments were timely paid from the refinance date through the end of XXXX. In XXXX, I filed a petition for Chapter XXXX Bankruptcy, and included my mortgage. The bankruptcy was discharged in XXXX of XXXX. I did not re-affirm my legal obligation to pay the loan. 

In XXXX of XXXX, a lawsuit was filed against Chase on my behalf to defend a foreclosure. The state court ordered a temporary restraining order. Chase removed the matter to a federal district ; this matter was later dismissed. 

Following the dismissal, Chase again attempted to foreclose on my home. On XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau against Chase regarding their mortgage practices. This foreclosure was cancelled pending Chase 's investigation. 

On XXXX XXXX, XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XXXX XXXX, XXXX, Chase approved me for a trial payment plan XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). 

In XXXX XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

On XXXX XXXX, XXXX, I called Chase to inquire about their failure to report the modification and monthly mortgage payments. Chase representatives responded that it appeared that I did not " reaffirm '' the loan during the bankruptcy proceeding, and as such they have no duty to report same to the credit bureaus because and I have no legal obligation to them. 

Chase 's response is faulty, as the modification is a contractual obligation between me and Chase that is legally binding, and is the same as reaffirming mortgage debt. The Agreement contains various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to XXXX parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the trial payment plan and Modification Agreement. These payments are from XXXX XXXX to the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I booked flights via Chase Cardmember services. The AA flight was cancelled prior to our departure and we were never notified. We had to make other travel arrangements to return home and Chase has refused to compensate us for the additional travel costs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A hold has been placed on a deposit made to my checking account and JP Morgan Chase wo n't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase offers a rewards program with XXXX. 
New customers are entitled to a bonus number of points after sign up and minimum number of purchases. 
Chase did not initially transfer the points because the name on the XXXX XXXX Rewards account did not exactly match that of the Credit Card. 
This was fixed and Chase was made aware in XXXX. At that time, the Chase representative told me on the phone all was in order and the bonus points should transfer on the XXXX monthly statement. 

However, Chase did not transfer the reward points until my XXXX XXXX billing statement. The Chase XXXX Guest Rewards Membership agreement, XXXX : XXXX, states " Points will be automatically transferred to your XXXX Guest Rewards account at the end of each billing cycle ''. On my XXXX XXXX statement, only XXXX of the over XXXX points that had accumulated were transferred. This proves that Chase did have the necessary information to transfer the points. 

I called and emailed several times. Each time I received no help. 

Due to Chase 's error and unwillingness to rectify the error, I was forced to purchase the ticket from XXXX that I should have been able to use XXXX Guest Rewards points towards the purchase. 

In summary, Chase did not follow their own rules in providing the bonus points I was entitled. The only reason why I signed up for the credit card was for that bonus to purchase a railroad ticket for my son attending school so that he can come home over his XXXX break, ironically travelling the same day as the points did transfer. By that time I had to purchase the ticket. 

Chase should not be allowed to promote programs promising rewards and not deliver in timely manner. They broke their own guidelines and should give me compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I HAVE A MORTGAGE LOAN WITH CHASE BANK AND WENT OFF TO THE WAR IN 2004 FOR 3 YEARS THEY WERE SUPPOSE TO LOWER MY MORTGAGE TO 6 % STATED BY LAW AND DID NOT DO SO. THEY KEEP IT AT 10.12500 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: GA

Complaint narrative:
Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have never open any credit cards by CHASE BANK USA , NA. I am showing XXXX accounts total. They are showing {$36000.00} ; {$8100.00} ; {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have purchased XXXX from a vendor on XXXX/XXXX/2016. They invoiced me for {$1700.00}. 
I complained that the amount was incorrect. The vendor duly revised down the charge to {$1500.00}. 
But while the above were being discussed, both amounts were already charged to my credit card in inadvertent sequence. I was therefore charged twice for my purchase. 
I contacted my vendor about this charging problem on XXXX/XXXX/2016. The vendor had gone through their books, and responded to me on XXXX - with a copy of their ledger statement, that they had already refunded the amount {$1700.00} back to my credit card at the time of our transaction. 
I reported this case to the card company on XXXX with full explanations of the details, as well as providing a copy of the vendor 's contact information and ledger statement. 
Despite my repeated requests of them to give me back the credit amount that my vendor has refunded through my credit card, but never showed up in my statement, they have only given me repeated perfunctory acknowledgements, and provided no response of any substance or reference to the contents of my case whatsoever. 
Based on the above scenario, the card company has therefore been stalling and ignoring my request all this time on their responsibility towards my rights as a consumer, and has in fact unlawfully confiscated {$1700.00} of my credit money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX credit cards were stolen and used unauthorized in XXXX XXXX while on a business trip in XXXX XXXX, CA. 

XXXX cards were used at a XXXX club for {$65000.00} over the span of 4 hours ( temporary charges showed closed to {$80000.00} ). I brought {$400.00} in cash but was drugged and missed my flight the next day. I filed a police report of my cards being stolen as well. I did not authorize any of these charges, let alone know how one person could have spent {$65000.00} in the span of a few hours. 

1 card was used at XXXX XXXX for {$8000.00}. The single card after I reported it stolen was immediately refunded within a month after the evidence reviewed did not match my spending history ( ever ). 

The other XXXX cards the bank is refusing to side with me or my attorneys. We received copies of the invoices only 2 months ago after months of demands of details. They had a copy of my license ( which the place took when I first came in to " scan it '' ) and the handwriting and signatures on the invoices which is not mine. I had a weak signature and the banks stance is it is close enough to previous signatures I have provided. The tip and dollar amounts are written in handwriting that looks nothing like mine. 

Additionally many of the time stamps of the receipts are well past the venue closing at XXXX PST ( XXXX/XXXX/XXXX XXXX XXXX ). My credit lines were both used over the limits, and there are no records of the bank trying to call me to verify the large charges. In fact XXXX card was used in a different state that given super sonic travel could not occur that same day but the bank did not call me to cancel the card either. It 's as if they allowed all the charges to go through and see what happened later. Charges of XXXX,XXXX, and XXXX went through without any verification ( where is the security protection )? 

Please let me know if you would like more details. I can see what I am allowed to disclose but I feel this is a violation of FCBA, my credit card protections, and simply providing good customer service. I think other consumers should be aware of this bank and their treatment and lack of any customer service through this event. 

Also the strip club has a history and previous law suits to this effect that the bank is also ignoring ( please see attached for some existing cases in both significantly less dollar amounts vs fraudulent activities ). 

I look forward to speak and hopefully providing additional detail so others can be aware of this situation. 

My attorney is : XXXX XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I send Chase JPMORGAN XXXX online they took the cash, and XXXX online and today they have failed to apply the cedit to the account, the currently have the property in Foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I signed contract to purchase a home for {$120000.00} and this is what happened : This house and approximately XXXX others are all built on the wrong lots and I am in litigation because I have been evicted from my own home. The problem came in XXXX when a survey was performed that set an entire area of the plat off at least XXXX feet to the west. My house is built XXXX feet to the east across the street from the actual property. The deed states Lot XXXX section XXXX, but the house it built on Lot XXXX section XXXX. I paid a surveyor to survey this area and all he did was pull the old survey and stamp it and never went out to the property otherwise he would have known it was the wrong lot. Further digging into this due to the eviction lawsuit, the county knew that the survey was off based upon a letter written in XXXX, but still issued building permit for my house in XXXX. I have been trying to work with the mortgage company, but I am in default of the loans I have already paid thousands of dollars and down payments for a house I will not own. The title policy refuses to pay based upon the exclusion of the survey, but have agreed to represent me in the eviction case, the present mortgage company just had the loan pulled from investments because it was in default and forced the original loan company to take it back because it was more than clear to them that this is a faulty loan. This is all unfair and unjust to me as a consumer that I have to pay for something that is clearly not mine. Now the original mortgage company who retained the loan is threatening me. My credit is being ruined I had good credit, but now because of this I am being ruined financially. I want restitution for this loan I paid for due diligence I did everything right I paid for a title search a survey, etc. and I am the victim. The owner of the land clearly wants the house the judge has n't ruled on eviction because it is so complex with the other XXXX homes, the county is involved, multiple builders, multiple title policies, multiple surveyors, multiple banks, mortgages and an unbelievable amount of issues. No one knows what to do it will be in litigation for the eviction for years. Ca n't file lawsuit until eviction is final meanwhile my credit is destroyed and I will never own this house and foreclosure is threatened on a house the bank does n't own. I have all the documentation to prove this I want to be discharged from this debt the original mortgage company is at fault by providing me with a untrue faulty loan on a house that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My checking account currently has a block or restriction preventing use of mobile deposit, this is due to number of times overdrawn/currently overdrawn. I do not have any branches and or ATMs located near me in Connecticut, I will need to use mobile deposit in order to bring account positive and for future deposits. The rep I spoke with earlier today stated I could transfer funds from savings, however, a federal regulation prevents a number of XXXX transfers per statement cycle. Needless to say, this does not resolve matter.

Company response to consumer: Closed with monetary relief