vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a call on my cellphone today, from a company, who 's telephone number is ( XXXX ) XXXX " Unknown Name '' on my caller I.D., claiming that I owed {$890.00} plus change, to Bank One. I never knew Bank One existed, let alone ever having a credit card with them. The caller, first a man, then a woman, knew my social security number, as well as my XXXX XXXX XXXX How did they even get this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a mortgage that is paid up to date, actually I am paying an additional {$500.00} per month to pay it off early. Apparently my bank, Chase, has hired a company called XXXX, to collect on this mortgage even though it is paid current. XXXX has begun making collection calls against me. I called both Chase and XXXX but they refused to take my calls. I sent emails to both and they both refused to answer my messages. My loan is paid current with Chase as of XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAVE A LOAN WITH  AN UN KNOW  LENDER AND CHASE BANK IS SERVICING THE LOAN, I WOULD LIKE TO KEEP MY HOME THAT IS CURRENTLY IN FORECLOSURE WITH A EXPECTED SALE DATE OF XX/XX/2015 , IAM REQUESTING HELP IN ORDER TO GET CHASE OR WHO EVER IS HOLDING THIS LOAN TO ALLOW ME TO MODIFY THE LOAN TO A MORE AFFORDABLE PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We attempted to purchase camera equipment via a Website XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving an invoice from alleged company we completed Wire Transfer as requested. Subsequently found evidence that site was a scam and attempted Recall of wire transfer. Transfer occurred between our account at Chase Bank and identified account at XXXX XXXX. Recall not complicated as Chase refuses to provide Hold Harmless Document to XXXX. We have supplied notarized evidence of Scam and our understanding is XXXX has frozen assets in receiving account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
About XXXX 2015 I accepted a promotional balance transfer ( {$4000.00}, 0 % interest for 16 months or similar, for a 2 % = {$80.00} transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment XXXX applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of {$1200.00} + {$790.00} = {$2000.00} from XXXX XXXX, and payment made on XXXX XXXX. I made sure to pay after the ( pending ) had changed to ( posted ). 
Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid {$80.00} for, and punishing me with unjustified interest charges ). This already seemed to have happened in XXXX ( confusing ). I had a long phone call with CHASE XXXX XXXX regarding unreasonably high interest charges. On XXXX XXXX I bought airline tickets for {$2000.00} and for {$340.00} which posted on XXXX XXXX and XXXX XXXX, and I made payments for the same amounts XXXX XXXX and XXXX XXXX, which posted on XXXX XXXX and XXXX XXXX. Yet on my newest statement received today ( XXXX XXXX ) interest charges where again too high. I called, and after being escalateded up XXXX levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is reporting me negatively to the credit bureaus as being 30 days late back in XXXX. 2014 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX XXXX, it will be corrected they still continuing to report it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
" XXXX. Research, legal process and requests for information '' on Page XXXX of Chase 's Deposit Account Agreement appears to conflict with Federal Law. The agreement states " If we receive any legal process relating to you or your account, you authorize us to comply with it. " and " We do not have todetermine whether the legal process was validly issued or enforceable. " This is incorrect since Federal Law promulgated by the U.S. Treasury department under 31 CFR Part 212 requires financial institutions whenever they receive a garnishment order or other court judgement ordering action against a customer account to follow a review process to determine whether protected federal benefits are in the account and if so protect them. Chase 's Deposit Agreement is not legally sound because the customer through an agreement with Chase can not waive these federal protections and Chase despite the wording of its agreement must determine whether protected funds are available and whether the order is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet, I did not know about the pending charge or the subsequent " late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit, the only negative record on my credit history. 
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue, but all of the involved parties have declined to address my concerns even after I provided documentation of the timeline described earlier. It appears to be a simple fix for an incredibly small amount of money that continues to hold back my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is miss-reporting payments made and received. Chase continues to report my mortgage to be in arrears and every month the number increases by a month 's payment. On the statement sent payment is listed to have been received. All of the discrepancy started after the chapter XXXX bankruptcy ended but Chase representatives can not identify the specific month when the XXXX payment was not received. Chase miss allocation of payments is negligible and is having a significant impact to my credit and ability to obtain financing. I currently have and adjustable rate mortgage with a rate of XXXX and I can not refinance it because of how Chase is handling my payments and reporting such. 
I appreciate your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Hello CFPB, I would like to bring to your attention the harassment policies that the CHASE bank has used against me. I opened a chase account providing all information which was asked at the branch making a copy of all documents as well. however they hit my credit for a credit card which they never gave to me and sent me a letter that i need to submit documents which i did again by going into the branch at XXXX UT. they again kept sending me the same letter until i asked them to stop by going in the branch again. 

now they again sent me a different letter that they are closing my chase account without prior notice and gave me the excuse that i dont have an ssn but i have been submitting taxes for the past 3 years on time and i gave them my ssn card to make a copy 4 times. they never sent a notice letter before and directly closed my account due to which i didnt get my direct deposit. these criminals at chase need your audit as they are doing frauds with customers like me who we have to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My electronic tax return and refund ( {$550.00} ) was submitted to IRS on XXXX/XXXX/2016 by my tax consultant ( her XXXX information is noted within my attachments ) and IRS electronically sent to my checking account on XXXX/XXXX/2016, however it never reached it. IRS records show it was deposited into my checking account on XXXX/XXXX/2016. Upon further research, I discovered it was deposited in an account at J P Morgan Chase account with my name referenced on the deposit. The wrong routing and account numbers were placed on my return by my tax consultant. ( I will attach both the wrong and correct routing and account numbers for your review. ) The IRS sent an inquiry to J P XXXX Chase and the answer returned required IRS to submit a letter of XXXX request to have the funds returned. IRS refused to comply and closed my case. I have been waiting patiently since XXXX XXXX, 2016 to receive my tax refund to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In applying for a home loan it was discovered I have a public record, from 2010, for XXXX XXXX which is no longer in business. I did confirm with the courts that this appears to be a collection from Providian National Bank which is no longer in business. The courts have no documentation/affidavit that I was ever served with this judgment. There is a garnishment on file with a company ( XXXX ) that I have never worked for. I do n't have any documentation or validity of this debt. No one can seem to provide me with any information or documentation that this debt belongs to me. This judgment is also listed in my nickname, not my legal name. I would like this judgment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In process of obtaining a mortgage loan, there were errors on the credit report that was obtained. We filed for bankruptcy XX/XX/XXXX and bankruptcy was discharged XX/XX/XXXX. After the bankruptcy, the credit report was obtained. The first error ; was on the XXXX mortgage stated ; foreclosure proceeding started XX/XX/XXXX ; conventional real estate loan, including purchase money first. The second error was on the XXXX mortgage, stating charged off ; XXXX mortgage. Both were filed with the bankruptcy chapter XXXX. The third error was a judgment that has a status that was NO SATISFIED, that was also filed under bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have XXXX credit card accounts. Approx. 8 months ago is first attempted to set up automatic payments for the 28 day of each month and was repeatedly advised the automatic payments had been scheduled for all future months. After many instances on non-payment, I went to the local branch on XXXX/XXXX/2016 and faxed the appropriate form, as instructed when I called to complain, once again. I waited to make sure the fax was sent from the branch to the appropriate department and was, once again, assured I had no need to worry about my future account billings. Yesterday, once gain, Chase did not pay the XXXX cards from my checking account automatically. When I received nonpayment notification, this morning, I called and immediately made the payments for all XXXX of my accounts. Once again, they charged me {$37.00} late payment fees on XXXX of the accounts. I 'm entitled a refund of the erroneously charged late fees. And, Chase should be penalized by CFPB, for their inappropriate billing policies!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is being filed by XXXX and XXXX on XX/XX/XXXX. In reviewing XXXX credit reports for both myself and XXXX we found that the mortgage department of JP Morgan Chase was running credit inquiries on both of us. This report shows the inquiries started in XX/XX/XXXX through XX/XX/XXXX They would alternate the months between myself and XXXX. The inquiries stopped for seven months they resumed XXXX, and they have continued running the inquiries in alternating months on both of us. Running inquiries on customers that have a mortgage, that has already been approved is in direct opposition to the policies of JP Morgan Chase. 
The policy of the bank is after the mortgage has been approved no additional inquiries need to be made into their credit history. Per the Fair Credit Reporting Act all inquiries into a customers credit history are to be work related, running credit inquiries into a person personal credit history for any other reason is in direct violation of Fair Credit Reporting Act Our loan is a FHA loan with a fixed interest and is in good standing. 
By Chases own policy there is no reason to continuously run inquiries into our credit history and by obtaining these inquiries when there is not a work related reason violates the Fair Credit Reporting Act. I am asking on behalf of myself and my husband XXXX for this incident to be investigated and determine what purpose is our credit history actually being used for, because these inquiries are not work related.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.

Company response to consumer: Closed with explanation