vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thursday, XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Chase numerous. I am requesting an adjustment my Slate and Freedom account with Chase. I know this request is unusual, it is ruining my good credit standing. I realize things happen and my bank account has not had a high balance like normal and my utilizations on my credit card was over the limit over a month. If you look at my records, I was always on time and keep money in my Chase account. When Chase closed my account I was sending a payment of {$3600.00}. I plan on meeting with my financial advisor to put more money into my Chase bank account before XX/XX/XXXX. 
I have kept a honest and responsible relationship with Chase and will deposit over XXXX in cash into my bank account before the end of the month. I am requesting that you all re open my Slate and Freedom account. I know this request is unusual, it is ruining my good credit. I have attached statements for all of the accounts that I am requesting to be reopened. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name in XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
. When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I do not owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We began the refinancing process with Chase XX/XX/XXXX, locking in our 4 % rate. Over the past 3 months, Chase has intermittently asked for documentation on my end to close the deal. In every instance, I have provided Chase with the requested documentation within 0-2 days. Every instance, Chase has led me to believe it was the last piece required before signing closing documentation. Fast forward to XXXX/XXXX/XXXX, I received what was to be the final request of home owners insurance documentation and provided it to Chase on XXXX/XXXX/XXXX. I find out on XXXX/XXXX/XXXX that Chase filed for an extension on my lock on XXXX/XXXX/XXXX without informing me at all, and now I will be charged with 0.375 points to pay for the extension. Contacting the Lending Manager lead to him basically " take it or leave it ''. So in a nutshell, Chase applies for a rate lock extension for absolutely no reason, and never informed me, and now is expecting me to pay 0.375 points ( roughly {$1400.00} ) to complete the refinancing process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Trying to refinance my loan to lower rate with J P M Chase already have existing loan, they have gone from {$7.00} to closing the loan to {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
************************************************************************************ 1 ) Have asked for a final settlement on XXXX/XXXX/16 in order to pay in full - Chase refused to comply. 
2 ) XXXX/XXXX/16 Chase issued a regular settlement, the same day I received the statement I made a full payment, including the disputed amount. 
XXXX/XXXX/16 Chase notified me of residual balance of {$9.00} interest for the time they issued the statement. 

Clearly I asked them before to settle in full and Chase refused, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX or XXXX checks in the total amount of {$41000.00} to my business acccount that I have not used for a long time. At the time of the deposit I was not informed about the fact that this account was " dormant ''. 
On the deposit slip that was filled out by Chase 's teller the date is clearly XXXX/XXXX/2016, yet the online records indicate that the deposit was made on XXXX/XXXX/16. On XXXX/XXXX/16 ( 48 hours after the deposit ) I tried to use the funds on my account to pay my mortgage and other bills, but I was unable to do because " the funds were not available ''. I called Chase and was told that I can not use the funds for another 2-3 days because my account was " dormant '', and it takes them that much time to reverse the domant status. I argued and pleaded, that how can an accout be dormant when I was able to deposit over $ XXXX to it, and now that I want to use the money ( all of it deposited on legitimate paychecks ) my account is all of a suddnet dormant. After spending over an hour on the phone and asking for supervispors and managers, all of a sudden my funds became available. 
I am in the process of refinancing my mortgage and need to show income for the past 60 days. I am trying to use the checks that I deposited on XX/XX/XXXX, but all I can see online is the teller 's deposit slip of $ XXXX and not the individual checks. 
On XX/XX/XXXX I contacted Chase and after an excrusiating houtr I was transferred to XXXX XXXX, who promised to take care of my issue. On XX/XX/XXXX I also got a phone call and an email message from XXXX XXXX. In her email there are supposedly the images of my checks, however the images are not in PDF format, so when I try to open them on my computer the attachments open to an empty page. I have tried to contact both women, XXXX XXXX has not responded to multiple messages, and XXXX XXXX phone is not set up for messages, her extension has a message that she is not available. 
Now I spent almost a full business day on this issue, and there is still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am having a 15 years fixed home mortgage with Chase. The monthly mortgage amount {$2100.00} automatically deduct from my checking account from day one. I used to pay property tax and home insurance separately. For XXXX second half, the town property tax payment was posted one week late due to error in the online payment system. Chase also sent the tax amount {$2300.00} to the town this time. The town called me about the double payment and I asked them to return the Chase payment. They asked me to fax a letter for that and I did. Town refunded Chase payment. I called Chase and instructed them not to make any future property tax payment and sent a fax in writing along with the same fax sent to the town instructing them to refund Chase tax payment. 


But, Chase change the mortgage amount and deduct {$4200.00} on XXXX XXXX instead of {$2100.00} from my checking account. I called Chase and send the proof of property tax payment receipt and instruct them to refund the extra money into the account. Chase did not do anything. In the following month also Chase try to deduct the new amount, {$4200.00} and mortgage did n't go through due to insufficient fund. I faxed the property tax payment receipt 5 times to Chase. But, they did n't correct the error. I wired two months mortgage amount, {$4100.00}, to Chase mortgage to avoid late payment. By the time, XXXX of the property tax ( Scholl tax ) paid using credit card on XXXX XXXX ( Paid XXXX Second Half School Tax : {$4700.00} and Town Tax : {$2200.00} and Service fee {$160.00}. Total charge on credit card : {$7100.00} ) got returned on XXXX XXXX to the credit card due to double payment. I called Chase Mortgage and asked them to correct the mortgage automatic payment but always got the same replay as 'Escrow department reviewing the case '. Chase reported the late payment to my credit and send my property for foreclosure. I received letters from Chase Attorney about the foreclosure of my house. Finally they respond to my request and send me a mortgage reinstate statement and I wired the total amount due to Chase mortgage. Now, I have lost my credit, I have a huge emotional distress and lost lots of money through credit card interest, service fee, late fee etc. 

I want Chase to take the responsibility and pay for my damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Student loan company is Nelnet. I was placed under forebearance XXXX because I had lost my job and the loan company reported to my credit that I missed XXXX payments and it have severely affected my credit score. I have disputed it several times, but they never respond. My payment history is perfect other than what this loan is saying. I 'm trying to buy a home and they are unlawfully reporting misinformation about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..

Company response to consumer: Closed with explanation