vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
With my Chase credit card I had disputed a charge in XXXX. As per the conditions of a disputed transaction, I was legally not obligated to pay anything for the dispute. During the charge 's dispute period, Chase has billed me interest multiple times as I had not yet paid that amount due to the dispute. This conduct is incorrect, and if I am correctly recall it also is against the law to include and take interest from a transaction in dispute. I have contacted Chase multiple times in an act of goodwill to resolve the problem, but it has not led to any form of reasonable resolution whatsoever. Their customer service is very incompetent and not understanding towards the issue. I have wasted much time and energy trying to correct this problem, and I have exhausted all the ways to deal with them head on. I am contacting this organization to seek help in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This payment should be applied to the outstanding 'fee ' of {$99.00}. Understand this fee is fraudulently applied to my account, as the overpayment from XXXX XXXX satisfied all outstanding 'fees ' accessed to my account. XXXX XXXX ; following an overpayment, the agent advised the next month payment XXXX XXXX XXXX XXXX of {$190.00}. My records reflect no late payments, and no short payments calendar year XXXX ; despite this, Westlake accounting is has accessed to my account these fees, in part to the phone agent erroneously allocating overpayment to the principle ; rather than credit as requested. I have debated this since XXXX XXXX, and repeatedly requested management review the call that began this fallacy. Westlake refusal to accurately investigate and correct their mistake is absurd. 
This is my formal grievance. The process is flawed, accounting is flawed and sincerely do not appreciate being placed on hold 63 minutes by the supervisor ; waiting to speak to XXXX XXXX. Further being told by the supervisor " It is what it is '', completely unprofessional and inappropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Terrible customer service. I opened a credit card and it has been under review for no reason for weeks so I ca n't use the card. I have called and verified my information multiple times and have confirmed the charges. I am completely upset by this company and will never do business with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This involved Chase Bank and their routine customer practices. 

I recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. 

I suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. 

After talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We called Chase to refinance our home and cash out on XX/XX/XXXX. We were told that we could get {$75000.00} cash out and Chase would have to pay XXXX credit cards off and we would receive that remaining cash. Chase said our credit was fine, and that an appraisal would be ordered. The appraiser came on XX/XX/XXXX. On XX/XX/XXXX, Chase stated the loan was denied due to Underwriting. First they said it was because we owed {$92000.00} in old business debt and we sold the business XX/XX/XXXX and had no remaining debt. And then they came back and said it was because the debt to income ratio was over XXXX %. They never said a word about debt ratio being high. Why would Chase Home Mortgage waste {$500.00} of my hard earned money before ever having the refinance reviewed by Underwriting. This is the second time Chase Home Mortgage has collected money for an appraisal upfront without review. They did the exact same thing to us XX/XX/XXXX. They hastily order expensive appraisal before allowing Underwriting review first. I want my {$500.00} refunded. This is corrupt. They know exactly what they are doing. If this has happened to us 2 times in 4 years they are banking a huge sum of money from consumers. Why would you waste consumers ' money if you had not reviewed the chances and requiremenst of Chase Mortgage before hastily ordering appraisals. And by the way we have over {$140000.00} in equity in our home and do not have derogatory credit. There is no excuse to be charging us money for an appraisal only to waste my time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted my financial institution ( Chase Bank ) to report my stolen personal checks and to file a fraudulent check claim and Chase refused to send me an affidavit and failed to take any information regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
hello, XXXX 2016 Chase bank colluded with the State of LA to put a levy on my checking account, comprised entirely of social security. i 'm senior, retired, indigent, homeless. ca n't find legal assistance. both parties are now heaping on XXXX dollars of penalties and fees. i am judgement proof on many levels yet there 's no denying the predation. how can it be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were checks deposited into my account through an ATM. Each check was worth between $ XXXX- {$650.00}. XXXX checks were deposited. As soon as they were deposited, they were immediately withdrawn from my account through an ATM. The checks were then returned, and then my account was overdraft and charged {$12.00} for each returned check. I filed a claim with the bank, but they denied my claim because they said that I did not file a claim soon enough. The activity started on Tuesday XXXX XXXX, 2015 and I filed the claim on Thursday XXXX XXXX, 2015. My account is now at - {$7000.00}. I live in XXXX, XXXX. the checks were deposited and withdrawn at an ATM in XXXX. I have never been to XXXX. I can provide evidence to show where I was during the time of these deposits and withdraws. If they looked through my banking history, since I have been with them for 5 years, they would have realized that this was not normal activity on my account. The fact that they let some withdraw {$3000.00} from the ATM in one transaction is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Ive received a number of collection calls from Chase, number XXXX. It appears this is in regard to my checking account, which has been overdrawn since XXXX. They have placed a block or restriction on the account prior from using mobile deposit, I do not have any local branches near me, I am only able to make a mobile deposit into savings. As you can see they make the matter difficult to resolve. They also charge extended overdraft fees as well as make harassing calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Lexington Law advertised that they could help repair my credit. On initial review with the clerk via the phone. I was instructed that I would see vast improvement in as little as 30 days. 3-4 months of service nothing productive was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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:
The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While on XXXX browsing my transunion credit report my account was temporarily suspended and I was unable to print or dispute any information. I called the number listed on the error page and was told Transunion does not give tech support to freeannualcreditreport.com and was told I would need to purchase my credit report. Transunion violated my legal right to a free report and is forcing me to pay for it, something the other credit reporting agencies did not do.

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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX JP Morgan Chase appraised my home at a little over $ XXXX. The first lien was $ XXXX with XXXX XXXX XXXX. Chase granted a line of credit for $ XXXX, interest only loan, at a variable interest rate, with a payment of about $ XXXX/mo. So, now I had a second lien, making the total of both liens $ XXXX. As the end of my term was approaching, in XXXX, I wanted Chase to refinance the LOC into a fixed rate, conventional loan. Chase claimed my home was no longer worth $ XXXX and that I was upside down in equity. MY new home value was estimated at $ XXXX. I was stuck with the interest only loan. Chase said they could n't help until I had 20 % equity. I received a letter stating the payments would increase from {$480.00} to {$1800.00}. I asked if they would consider deducting all the interest paid to date, which was about $ XXXX at the time. This would give me the room I needed to refinance. They refused and suggested I modify the loan. But I could n't modify the loan without modifying the first lien with XXXX XXXX XXXX. XXXX was not a problem loan - it was a fixed rate conventional loan. Nevertheless, they were willing to refinance under HAMP but i could n't get rid of Chase and combine the loans because, again, the home value was too low. Chase forced me to pay a {$300.00} fee to allow XXXX to modify. After closing on the HAMP, Chase was willing to modify the LOC. Here comes the worst part! In order to have affordable payments and not lose my home, I agreed to the one option Chase offered ... .. Another LOC at $ XXXX/mo, interest only ( again ) payment at a fixed rate for FORTY YEARS. I will have paid in full by year XXXX, at the old age of XXXX years old, according to the loans docs. I will have paid more than double the original amount of the LOC, if I live that long. I have been cornered, bullied, taken advantage, and misused. While many have had their debts forgiven, I have been forced to accept their loan. All the while, never missing a payment on any of the home loans. I ca n't refinance, I have no equity, I have been paying on a LOC that basically has the same balance due from when I first received the loan. 10 years later, I still owe $ XXXX. 
What do I want? To date, $ XXXX in interest has been paid to Chase. I want that amount deducted from the loan. This would give me the 20 % equity that I need to refinance and merge both the first and second loans at a affordable payment. I want a conventional fixed, low, rate. I do not want the deduction to negatively affect my credit. A negative would put me back into the same bad situation, not allowing for me to refinance. Also, I do not want the deducted amount reported as added income to the IRS. The amount I am requesting is not a forgiven unpaid balance. It is the amount I PAID in full. 
Any help you can offer would be Heaven sent. Thank you for your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a XX/XX/XXXX Ford Focus, from XXXX XXXX in XXXX XXXX, Texas, this car was financed by CHASE XXXX, I made regular on time payments for over a year to them, set up on auto pay from them. They apparently sold my contract to another company, XXXX XXXX, without bothering to notify me. I received a phone call from a man saying he was from XXXX on Friday, XX/XX/XXXX, saying he wanted money for my car payment, not knowing who he was or what he was referring to I told him no. I tried several times to contact Chase XXXX with negative results, then checking my bank account I found they had not debited my car payment, I continued attempting to contact them for several more days with the same negative results. On Wednesday XX/XX/XXXX, I was at the grocery store when an unknown wrecker towed my car without notice. I called the XXXX XXXX Police and was told they had no record of the car being reposed, however when I explained what was going on the officer told me this was a civil matter not a criminal XXXX. This Police Officer also tried to call Chase XXXX and again no answer. 
I finally was able to get hold of a lady a Chase XXXX ( 2 ) days later on Friday, XX/XX/XXXX, she stated the car had been reposed and that they had sold my contract to XXXX She, however refused to tell me where the car was or the company that towed it. and hung up on me. I tried again on the following Tuesday and she told me a phone number and initials XXXX to contact for the car, however as of this time they have not returned my calls and she refuses to give me anymore information. My wife +has attempted to contact both the repo company identified as " XXXX '', and Chase XXXX with the same negative results. 
My wife also had a vehicle financed through Chase and they sold her contract to this same company, XXXX without any notification to us, however XXXX did send her a letter, 3 weeks after payment was due to let us know they had her contract and if we did n't make a payment they would repossess her car. We did send them the payment and have continued with no other problems on her loan. 
I do n't believe this to be legal or ethical banking.

Company response to consumer: Closed with explanation