vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was charged a foreign transaction fee of XXXX on XXXX/XXXX/2016. The bank explained that this fee was charged in relation to a ticket purchase I made through XXXX XXXX website because it was made through foreign currency. I advised the bank that I made the transaction through US dollars and that there were no indications on the airlines website or in the receipt I received that there will be any fees associated with the transaction. Since such a fee was not disclosed to me at the time of transaction, I requested a waiver of the fee. My request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The IRS put the owed amount of a private loan on to my tax return to be paid back as a return. 
The school refuses to release my XXXX degree until the loan is paid. 
The guarunteed loan service refused to pay for my final semester to graduate and so I had to take out a private loan. 
Over {$XXXX} has been added to what was borrowed since the loan was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter today, dated XXXX XXXX, 2016, from Chase bank saying that I had applied for an Amazon.com visa signature credit card. This is totally incorrect and someone is trying to fraudulently apply for a credit card in my name. I would like Chase bank to investigate how this happened, and REMOVE this request from my credit history immediately, as I wish to apply for a loan from another bank. 

I would like a confirmation email that this request has been complied with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2017 Transaction withdrawal was made from a non-chase ATM machine for {$200.00}. This transaction was not made by me nor was my debit card stolen. I still had possession of my debit card at the time and told my Chase Bank this. The card was never used by me or anyone I know as I had possession of it. However, they did not believe me and said because the transaction was made with a chip/pin that it must be me. I do not make non-Chase ATM withdrawal so I know for a fact that this was not me. I knew exactly where I was on the day the transaction was made and I was not anywhere near the claimed ATM nor did I withdraw any money. They must have skimmed my pin somehow. I just know for a fact I did not do this but Chase refuses to help and has denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have repeatedly attempted to request that all of my federal loan groups be placed under the income based repayment plan. I have submitted my application for this XXXX separate times. Nelnet has communicated false information to me over the phone on over XXXX occasions causing the delay of this change taking place and causing me to have to use up to three months of hardship forbearance which I should not have had to use at all since I qualify for $ 0 monthly payments at this time due to my family 's very low income. Nelnet has claimed that they would put my loan on administrative forbearance twice since it was their error. These claims were untrue and I received calls from them weeks later stating that their representative was wrong and I do not qualify for administrative forbearance. When they call they ask for payment for the loans which become past due since they never placed the administrative forbearance on the loan that they promised to place on it. The representatives largely refuse to give me their last name, their employee ID number and anything in writing that states the promises that they make to me over the phone about the steps they are taking to get my loans on the right track. They have also coerced me into putting my loans on hardship forbearance, of which I only have a limited amount, and then denied me the opportunity to place those loans on an income based repayment plan because the loans were already on hardship forbearance. Then once the forbearance runs out they state that I owe on the loans, that I must reapply for the income based repayment plan and that if I ca n't pay the amount due then my only choice is to put them on hardship forbearance again. I 've been dealing with this issue for over 6 months and find that their staff is largely incompetent and untrustworthy. I hope to find a way to, in the future, have an agency that is reliable and trustworthy manage my loans even if that means a higher interest rate and consolidation. Nelnet 's practices are harmful to consumers and the overall feeling is like you are in the twilight zone. It seems that their departments do not know what each other are doing and that the staff that consumers can reach over the phone have had extremely unsatisfactory training in how to do their job. The root of the problem seems to be either poor training or willful deception of consumers that have little to no opportunity for recourse since documentation of the calls is not provided to the consumers and when I request documentation they state they are not allowed to provide anything to me. I feel trapped and miserable dealing with this company and disappointed that the Federal Government allows them to manage student loans. I did not choose NelNet and it seems extraordinarily unfair to have to bear the burden of their continuous mistakes and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX a holiday purchase while travelling in XXXX was made in the amount of {$420.00} using XXXX Chase VISA. The amount plus applicable interest charges were paid in full via a telephone transaction handled by a Chase Specialist. The next billing cycle, I was charged additional interest & late fees. I called to complain since the payment was paid in full. According to the Chase Specialist, the additional interest would be waived & late fees reversed. The next billing cycle, the late fee reversal posted but the additional interest in the amount of {$6.00} was not waived. In fact, it showed as past due and additional interest in the amount of {$.00} accrued. Once again, I called to complain. This time the Chase Specialist was apologetic and advised that the Agent who processed my payment in full erred. She should have told me that she was unable to provide a Pay in Full Amount since interest is calculated the following day automatically by a computer system. I had enough. I asked whether this fiasco was impacting my credit. She said not at the time but strongly advised that the now {$7.00} be paid immediately. I proceeded to pay. Well, several months later, Chase reported the account XXXX late for {$7.00} to all XXXX repositories negatively impacting my credit. My efforts to amicably resolve this issue with Chase has been to no avail. All of the Chase Specialists state that they agree with my position but do not have the authority to resolve the issue. The matter can only be handled by a Manager in a Special Collections/Credit Section. Each time, different Manager ( s ) state in a defiant tone that the matter is closed and I need to wait 7 years for it to drop off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Platinum Holdings Group, LLC
State: MD

Complaint narrative:
Continues to try and collect on loan i have paid off ... and now has sent it to a company named PAS who claims i owe it and also has threatened my work and also my landlord. For something i continue to tell them i dont owe and now they tell me the debt continues to grow and im charged for each time i they attemp to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.

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 2015-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please refer to case # XXXX. I have applied on behalf of my aged ( XXXX yrs. old ), ill mother to have Chase Bank reduce the interest rate on her mortgage loan XX/XX/XXXX. She is currently paying 7.85 %. The she is retired and on a limited retirement income. The house needs a new roof as the current roof is over 50 yrs. old and is leaking causing water damage to the structure. She is trying to save money to replace it. We supplied Chase with all of the required documents but they have continued to " sand bag '' us by taking their time and requiring each month that we supply additional bank statements, proof of residence, etc. We recently sent a copy of a utility bill ( water bill ) showing that my mother lives at this property. They are refusing to use the document. This has been going on since XX/XX/XXXX, 4 months now. My mother is getting very upset over this. She has made every payment on time since loan inception, XX/XX/XXXX. We need assistance from the Consumer Financial Protection Bureau in getting an answer from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Foreclosure- Fees and Cost Dispute - Sale date XXXX/XXXX/2015. 
{$6700.00} Force placed insurance, XXXX clearly had own insurance for the entire duration of the mortgage w/ supporting docs- forced into foreclosure- lender closed the loss mit assistance file while dual tracking the file into foreclosure, XXXX could never reach for one person to handle the acct- escalations gave conflicting information always promised to call and us updates as to the status of file, but did n't. The XXXX had XXXX and since authorize someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a call from an online store called The XXXX XXXX, asking me to confirm my purchase. I told them it was not mine, yet they had all of my credit card information. They canceled the order, confirmation # XXXX for {$490.00}. They have an email address ( not mine ) and an alternate address in California for the items to be shipped to. They said that information could only be obtained by law enforcement via their fax. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report also # XXXX with. XXXX XXXX, XXXX XXXX XXXX XXXX. I XXXX. I also contacted my bank, Chase Bank, who issued the " XXXX Chase Credit Card '' which I also kept on file at XXXX. I also notified them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation