vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 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:
chase has yet to get back to me on my complaint : XXXX chg XXXX hello fresh, again on XXXX XXXX and nsf fee to be cr XXXX resulting this fee because of hellofresh unatuh purchase both times they were informed not to deliver. 


XXXX cr on tax act as my tax return was not complete to be process. 

If they can process these crs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24 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:
On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We wrote the letters to Senators XXXX XXXX, XXXX XXXX, and XXXX XXXX as follow ; Dear Senators : We need your help. 
( 1 ) Citing XXXX class-action lawsuits we reported HAMP frauds committed by Chase Home Finance LLC and requested the Office of Inspector General, US Department of the Treasure, to carry out a full investigation on XXXX XXXX, XXXX. 
( 2 ) The Treasure Department forwarded our letter to consumer Finance Protection Bureau ( CFPB ). 
( 3 ) CFPB picked up the case ( # XXXX ). However, an XXXX ( coordinator ) at CFPB is marginalizing the matter as " We vs Chase. '' That is not what we intended. 
( 4 ) Chase probably robbed more then $ XXXX on the HAMP program from the US government over nine years ( since XX/XX/XXXX ) ; and destroyed XXXX homeowner 's lives. 
( 5 ) We ask you to contact CFPB and other agencies to expose the entire Chase 's HAMP frauds ; and help recover all the stolen monies and rescue XXXX victimized homeowners. 
( 6 ) Chase sent us more than XXXX HAMP application forms and some of them said, " Your application is approved. To move forward, send us the following documents .... '' although we did n't apply. We never applied because we knew Chase would defraud as described in the class-action lawsuits. 
( 7 ) You can imagine the scale of frauds from that Chase sent out several XXXX copies of HAPM application forms to millions of homeowners nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX small children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been one month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I co-signed one of my daughters XXXX student loans, now Navient, and when she became XXXX I started making payments even though they kept applying it to her other loans. I then was laid off from my job and became unable to continue making the payment amount they requested. I offered to pay less but they refused to accept less. They then sent me to collection and ruined my credit which was always excellent. I am now living on social security only and unable to make any payments since I am well below poverty level. I am requesting this loan be discharged and my credit be restored to what it was. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I hold a Chase/XXXX Visa credit card. Chase promotes this card -- and other high-end credit cards -- as offering " primary '' auto rental collision damage coverage, meaning that one need not file a claim with one 's personal auto insurer. I charged a recent car rental to the credit card. The rental car sustained some windshield damage. When I called Chase 's benefits administrator to file a claim, I was told that " primary '' coverage is not available to residents of New York State ( only secondary coverage is ), and that I would first have to file a claim with my personal auto insurance company. In its advertising for this card, and in the benefits guide that Chase sends to cardholders, Chase fails to disclose that primary auto rental collision damage coverage is only secondary coverage for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Servicing of my FHA mortgage with Chase was transferred to XXXX as of XXXX/XXXX/2016 effective XXXX/XXXX/2016. I received no letter from either party ( Chase or XXXX ) regarding this transfer. 
On XXXX, I received a final tax statement for my mortgage with Chase, and called them to see why I was receiving a final tax statement. They informed me my mortgage was transferred to XXXX and that I should contact them. I informed them that I received no letter/communication from Chase or XXXX ... they 're response was " well, the loan is with them, you need to call them ''. I called XXXX today, every bit of information the representative gave me was inaccurate and when I corrected her of the legal obligation to send a letter, she said " oh, ok. Yeah that sounds right ''. This nonchalant attitude is not only unprofessional, but it 's scary. 
I asked her to confirm that late charges would not be assessed because of the grace period and she cut me off and said " you 're late, so you have to pay fees ''. I reminded her that LEGALLY there is a 60 day grace period with transferred loans, her response was " oh, ok. Yeah that sounds right. Well, if that 's the law then you wo n't get fees. ". I 'm terrified that we will lose our home due to their inept and predatory practices. What are the options?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX has purchased an account that has been discharged in my Chapter XXXX Bankruptcy Filing dated XXXX/XXXX/2012 XXXX Exhibit # XXXX XXXX. The original account was by Chase XXXX ACCT # **************** ). XXXX is reporting inaccurate information to all credit reporting agencies which is in violation of federal law and the fair credit reporting act. I tried written to all reporting agencies in an effort to have this false information removed, but have been unsuccessful ( Exhibit # XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.

Company response to consumer: Closed with explanation