vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase credit card services dropped our SCRA in XXXX 2015 conveniently while our military family was XXXX. In XX/XX/XXXX I realized that the APR % went from 6 % to over 20 %! I contacted the bank immediately. They informed me that the SCRA benefits expired and I would need to resubmit information. I did so on XXXX XXXX, 2015 and got a confirmation that they received it. Today on XXXX XXXX, 2015 I had to call again since the benefits wer not applied yet ( 3 month later ). The representative " XXXX XXXX '' told me she did n't see were I sent them and if I resent the paperwork today that they would expedite the request, and call me back to confirm it was received. I resent it via secure messaging on the site as we spoke and received the same " confirmation '' email, but no one ever called me. I have come to a desperate point and feel that they are taking advantage of our military family. I can attach screenshots of both SCRA information messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Sent from my iPad Begin forwarded message : Good evening my name is XXXX XXXX, the reason for this email is .I purchased a vehicle last year in XXXX from XXXX, although I was n't approved the first day .My salesman called me the next morning stating he had gotten me approved for a 2013 XXXX XXXX .Since having the car it 's been in the shop three times, then when I called today because of the payoff amount .I found out west lake is charging me an extra XXXX XXXX dollars in interest, plus I 'm going to end up paying XXXX XXXX XXXX dollars for a XXXX .Now I will take the blame on my part for not throughly reading every word of that contract .Yet I was never told by my sales man, that I 'd have to pay that much and he never informed me that I had the options of choosing any vehicle that fell in that amount .When I try and trade the vehicle in, I ca n't because of the negative equity in the car, and no one will refinance because of the price .So pretty much I 've been throwing money away because I 'm still owing XXXX after paying a year .Ive paid almost XXXX $ into that car and every dime has gone toward interest of XXXX $ a day .If I would have none any of this, I would have went to a buy here pay here .I have read all the negative reviews on XXXX, also on the consumer affairs web site about west lake .I serve XXXX XXXX and I do my best to treat others the way he instructs me too, He claims he 's helping the consumers, Yet how can you say your trying to help people that have bad credit, when your charging them XXXX $ in interest. I got this car for my wife so she could get back, and forth, now it has caused unexplained XXXX in our marriage .Im so upset seeing how people can have billions of dollars by hurting others He should be featured on XXXX XXXX. I thought by paying each month for a car note that is due each month, that I 'm paying on time yet I learn today each day after the XXXX, I 'm being charged XXXX $ a day .Im not going to continue to focus my energy on this matter because regardless of how XXXX XXXX XXXX doing unethical business, XXXX is still in control and he fights all my battles .No! I do n't have a home on the beach or billions in the bank, but I do have integrity and the favor of XXXX .I XXXX some one realize that west lake financial services is not helping anyone but The XXXX.I understand that this is a XXXX crime, and the FBI has more important issues, but the XXXX Massachusetts has sued them .The director of consumer relations has sued them .Yet this con artist continues to steal and deceive hard working Americans.Honestly he is worse then XXXX, please please look into this company, have a blessed day Sent from my iPad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE BANK USA, N. A XXXX, 2017 XXXX 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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: NY

Complaint narrative:
I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My vehicle a XXXX Dodge Dart was totaled on XXXX/XXXX/2015. The XXXX insure paid XXXX on XXXX/XXXX/2015 and my Gap insurance paid a total of {$5800.00}. I should of gotten back {$680.00} from Chase bank. Instead the a reporting on my credit report me as being delinquent XXXX. I never got a final bill or itemization even after I requested one several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have new information for compalaint # XXXX ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ XXXX dollars credit? I had {$12.00} in checking account so i was led to believe this was so??? I sent out XXXX checks to other credit cards to pay them off and they were declined and had to pay XXXX dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been paying my mortgage payment on time and the bank issued a notice to the credit bureaus that I am two months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My mortgage was transferred from XXXX to chase as of XXXX XXXX. 
A letter from chase said that I could schedule automated payments as of XXXX XXXX. I have been on chase 's website and mobile app for about an hour and after registering XXXX times am unable to find an email address to express my concern and ask for help in getting my automated payments restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I moved from XXXX to XXXX. Attempting to get my car registered in XXXX. Chase Bank holds the title and they received a request from XXXX DMV on XX/XX/2016. Chase has told me they were scheduled to have the title sent on or about XX/XX/XXXX. They still have not sent the title and I have been driving without a registered car due to the time it has taken for the title to be sent to XXXX DMV. For the past week and a half I have called every day to try and get some resolution to the issue, which has been fruitless. I have been told that it has been escalated but it has not seemed to resulted in any movement. I have been told that now the estimated time frame of Chase send my title would be on or about XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To Male Worker Only : I filed extra-charging complaints against all Chase Bank that I required to obtain a credit card which they declined because of my Social Security limited and complaint credit card request for employee/employer only, no acceptance for Social Security felt discrimination, let Speaker XXXX XXXX & U.S. Senators knowledge about these problems with credit card and included interest rates. I was not happy with interest rates affects to credit card, it may steal my money to lose them. Chase, XXXX XXXX, XXXX XXXX XXXX, and other banks does not let me having me credit card discrimination and included credit reporting record, many other issues. I complain with rewards with Chase did not issue me, did not give me bonus rewards. 
I do not allow female workers involved in this informants about between me and banks! 
Sincerely, XXXX XXXX XXXX - Report to Speaker XXXX XXXX and U.S. Senators Requirement:

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

Complaint narrative:
I paid a {$11000.00} fee and forfeited {$XXXX} in wages and PTO to payback costs of an XXXX after leaving an XXXX. Their were other factors involved, which can be boiled down to that issue that the certification vendor would not be notified of this agreement or either of our disputes. 
I have detailed paperwork ( an actual contract ) documenting their promise. 
I was not able to obtain a full-time job again in that field for another 5 months. 
At that new job, I was promptly fired because they found that the XXXX had a complaint on file from my prior employer. The contract expressly states that such complaints violated the agreement. 
I contacted the former employer who helped me get the certification, but they will not reply to any form of communication. 
I contacted my credit card and they can not get through to the former employer. 
They finally closed my dispute saying that : " This is well past the 60 day period and we have no obligation to help you. " I had no way of knowing the former employer 's failure until the 5 month point. 
What can I do now? 
Out of work and out of {$16000.00}. 
By the way, that contract expressly forbids legal action from either party regarding any past or future disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
Safety and Security Alert! Is your bank or business telecom safe, secure, and socially responsible? Many banks and businesses have outdated, insecure, and unsafe telecom identifications systems that require remedial change, or innovative improvement. Please watch the following urgent video : XXXX and read the Safe Call report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I settled an old credit card in 2001. This week a law firm and the XXXX XXXX office put a lean on my bank account. When I spoke to A rep from the law firm I informed him my account was settled in 2001. He nor his firm has contacted the XXXX XXXX office to let them know my account was settled almost XXXX years ago. How do I fight against this false claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.

Company response to consumer: Closed with explanation