vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase reduced my credit limits shortly after increasing them all. 

This does n't sound like a lot. But it is because other banks did the same purely because when chase reduced my limit it pushed my credit usage up. My usage was about 35 %, it 's now over 50 %. Not because of new balances, but because of limit decreases. 

The full story is that I got a {$500.00} limit on a credit card for balance transfers. It was an error. This limit was wrong. I applied for other cards from chase and was awarded over {$17000.00} in limits. After a year in customer service with them I got to the chase executive team who increased the {$500.00} card to {$12000.00}. A few months later ( literally nothing changed to my credit report ), and purely because of when their automated system checks, my limits were slashed across the board to a few dollars higher than my balance. My usage on these cards went from under 30 % to 99 %. And according to chase, that 's just fine. They have absolutely nothing to do and have done nothing wrong to me. 

XXXX XXXX XXXX, XXXX and others have done the same. It 's sickening. I watch the credit I have worked years on be treated like a child 's toy by these companies. I have never made a late payment, have 12 years of history, had XXXX % usages ( and was paying those down. The way people look at reports these days though this change in my usage has come with a ONE HUNDRED point drop in my credit score. It 's effecting my businesses, my personal finances and my sanity. I feel like since I 've done nothing wrong but fit into their automated " you lose '' machine somehow and the reps of the company I 've spoken with either are n't smart enough to see this as an outlier or do n't have enough authority to correct it. 

I 'm posting this here not because I think anything will come of my own finances. Obviously, these banks do not care and I have no chance of rectifying this situation. But I hope by people knowing about it that something in the future can be done. I feel like since there are so many regulations regarding what else they can do that this is their only way to XXXX me and thus they do it. It 's a bait and switch. Here 's {$30000.00} ... oh wait just kidding ... it 's {$8000.00} ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I wrote a large check to my son who is a student at XXXX University in XXXX. He opened an account XX/XX/XXXX at a local Chase branch ( XXXX ) with this check. On XX/XX/XXXX Chase took the money from my bank. Instead of depositing the money to his account they closed his account " due to recent activity ''. He complained, they called me. I verified I wrote the check. This happened on XX/XX/XXXX. They said they would reopen his account and deposit the money. It is now XX/XX/XXXX they have not deposited the money and apparently have no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My home has been in foreclosure status for several years. I have repeatedly ask for a deed in lieu of foreclosure. I 've received numerous collection calls and one of the first questions they ask is if I reside in the home. I assume this is for them to ensure that the 'asset ' or home is secure and protected. I live in the home. I received notification for Sheriff Sale posted on my door on XXXX XXXX, 2016 with notification of sale on XXXX XXXX 2016. The sale is inevitable, but the month notification is not adequate in order to secure a new residence. When I purchased the residence I was making in excess of XXXX a year, I did not work for 2 years after purchasing the residence and now work full time but make less than XXXX a year. I 'm unable to keep the residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has begun installing new ATMS that arbitrarily cancel my previous arrangement with the bank, that compromise my privacy and that potentially increase my security risk. 
I previously made explicit arrangements with the bank to link my debit card to only the smallest account among XXXX I have with the bank. These new ATMS -- and I have confirmed this with branch representatives -- automatically display all XXXX accounts and their balances on screen for anyone nearby to see, AND all XXXX can be withdrawn from, eliminating the protection I had arranged by only tying my debit card to the smallest balance. 
I have complained at XXXX different branches and each time received the same response : The branch representatives are hearing many complaints from customers and forwarding the complaints to corporate offices ; they tell me they will get back to me. 
I never hear back and the decreased privacy, the increased risk and the arbitrary services change persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I went to school for 3 years and graduated XXXX with a degree in XXXX. I borrowed {$21000.00} initially for my schooling and they indicated that just like any loan my interest rate would be low and I would begin to pay my loans back once I graduated. When I graduated and set up to pay my loans they added on {$12000.00} in interest as my total cost, plus they said I get added interest percentages per month added to my total now {$33000.00}. This is such a scan and completely sets hard working students back once they graduate. I 'm so disappointed with the student loan companies when they are supposed to be there to support and help students.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 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: TN

Complaint narrative:
Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I just found a charge on my credit card for {$60.00}. They say it is an annual fee that I have been paying since I opened the account- this is a scam. I had no idea and would never pay for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged with fradulent charges by a company that has a history of fraudulent charges, known as XXXX XXXX XXXX XXXX. There are REPEATED cases of fraudulent charges made in their financial gain of the same financial amounts ( charges made in {$50.00} or {$75.00} increments ) - it is clear that there is company involvement in these fraud cases. 
See more : XXXX5

Company response to consumer: Closed with explanation