vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
The credit card company sent a letter indicating that the card would be cancelled for non-use within 60 days. At issue is the impact of this cancellation on my credit rating. A call to the company provided no change to their cancellation plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We purchased this property in 2002. Now we want to sell it and move to Florida due to health issues. We are unable to do this, as there are XXXX undisclosed liens on the house and no one seems to be able to resolve this issue. Both the closing attorney and the agent are telling me that they have no files or information that can help me. The only party who seems to have any records regarding this is the DMV where the XXXX liens are showing. The title company is not helping either ( letter attached ). Bank One ( seller of property ) has proved to be impossible to reach. The original contract states that they ( Bank One ) has granted a clear and marketable title. Please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposit {$200.00} ( 2 {$100.00} XXXX on XXXX/XXXX/16 at XXXX. The atm ate my money and gave me a receipt to file a claim. I called Chase Bank ( XXXX, Indiana ) at XXXX that same day. I refunded me a temporary refund of {$200.00}. On XXXX/XXXX/16, they took the refund back. I called Chase and said the investigation is close. I called when a supervisor was not available to speak to. Chase took my money ( {$200.00} ), I did make the deposit and it is my fault their atm machine mess up. I will never trust Chase and especially their atm. I expect a full refund of my {$200.00} ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was making payments to Wells Fargo for a store credit card I had gotten through XXXX XXXX. I purchased the chair in XXXX of 2015 and started making payments the following month. I made all payments by logging on and manually making payments. XX/XX/2015 I decided Autopay would be better so I signed up. I thought it made a payment for XX/XX/XXXX because in my bank statements the transaction shows as an ACH transaction so I did not look at the account again until I was notified in a letter from Wells Fargo that I was 2 months behind on payment and that the account was closed. I had no prior contact from them via email, phone call, or text. ( see attached Statements JPEG of account messages ) I had no idea the autopay did not work until it was too late. I caught the account up after I was notified, via letter, and called Wells Fargo myself. I thought all was well until I had applied for a car loan and noticed my credit score dropped XXXX points!!! Wells Fargo made no effort to alert me that my account was delinquent ( see Statement JPEG and if they had looked at my payment history they would have seen that I made my payments on time and should have made a better effort to alert me. I would have taken care of it then, instead of ruining my credit score for a simple misunderstanding. I am an honest customer who made his payments and I do n't feel like my credit should be ruined because of this mistake. I can understand a late fee and having to report that, but an account closure is absurd! 
I contacted Wells Fargo and attempted to get them to rectify the situation but they did not even take a statement from me or ask about my side of what happened and then I get a letter in the mail about the situation and she did n't even try to rectify the correct issue. I just want this account closure stricken from my credit record and my credit score to reflect that. This was just a misunderstanding and they made no effort to help whatsoever!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was using overdrawn my bank account and did n't had a change to pay and cover is up. Because i was on vacation, wen I return and try ti make the payment my bank is being report to early warning are ready so I ca n't open any bank. So i wan to get removed from early warning so i can open a bank again. I need a bank so my parents can able to send me money to used it and able to make payment plus to rent a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: VA

Complaint narrative:
This company - American Financial Resources- is a repeat violater of the " Periodic Statement Rule '' of the " Dodd-Frank Wall Street Reform and Consumer Protection Act ''. " The Consumer Financial Protection Bureau ( CFPB ) implements these rules. Under the periodic statement rule, your mortgage creditor or servicer must provide you with a mortgage statement each billing cycle ( usually monthly ) that meets certain timing and content requirements. In most cases, the statement must be sent within four days after the end of the courtesy period of the previous billing cycle. A " courtesy period '' is the time period between the date the payment is due and the date the late charge kicks in. '' In my case the grace period is the XXXX of each month, after which late payments kick in. So, that makes the latest that AFR is supposed to have my eStatement available online as no later than the XXXX of each month. They have, on four occasions since XXXX XXXX, 2016 failed to provide me with my eStatement by the time period required by law. I have had to email them about this each time and they are always late in getting the eStatement to me. The last eStatement that is available to me is for XXXX XXXX, 2016. At this time they still do not have my XXXX eStatement available for me to download - and today is XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2015, Amazon applied for a Chase Credit card without my permission, including all of my personal details including my social security number. Amazon had no business with my SSN, and I never gave them my SSN, much less gave them permission to divulge my personal information to ANY third party. 
By turning down this credit application both Chase and Amazon have negatively affected my credit, and both point at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife was issued an Amazon.com rewards VISA signature credit card from JPMorgan Chase & Co totally unsolicited nor wanted. This is a real credit card with a {$2000.00} credit access line. The process for getting this ( or any ) card typically requires application and credit verification, neither of which was done with any permission. Her credit was checked last week by Chase, as verified by a recently reviewed XXXX credit report. The card ( as far as is known ) has not been activated. When calling the number on the back of the card, the customer rep asked for detailed confidential information for " identification validation purposes. '' None was shared, but when the customer rep was asked how she had access to the information with which to validate anything, she stated that it was all " public records. '' Amazon was contacted but deferred to the same Chase customer service department for assistance with cancelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went into my local chase bank in XXXX, AZ to speak about getting a credit card which would be tied directly to my checking account since the bank is charging me XXXX each time they pay for a charge I make if funds are not available. Each month for over a year, I have been charged at least XXXX to XXXX overdraft charges which adds up to over XXXX a month. We applied for the card and it was denied. They said I had poor credit and refused to give me a credit card or account up to XXXX that could cover any charges I might incur. I think this is discriminatory and unfair banking practices since I applied for a loan online with liberty bank and received an automatic loan for XXXX. Immediately! Yet my own bank which makes XXXX of dollars per year off of my checking acct refuses to give me a credit card limit up to XXXX to cover overdraft fees. I have been paying the fees yet they said my credit is poor.To me this is ridiculous practice. It does not make sense for me as a consumer to continue to pay the bank these outrageous fees on my acct and not be given any credit with the bank. They also say they have the right to determine which charges they will cover so I have had a cup of coffee of XXXX paid with their XXXX fee and yet a car payment of XXXX was refused. To me, this is also discriminatory. Why would they not pay a person 's car payment which is necessary for the persons work and go ahead and pay for the cup of coffee? To me it is all about how much money they can make off of my account. 
I have explained this to the bank manager, I have called their XXXX number to discuss the over use of their of the XXXX fee and their discriminatory practice, yet they refused to deal with a simple solution because " I have poor credit. '' Yet they continue to rob my bank account with XXXX a month payments and their whim. Please investigate this policy and determine if there is anything I can do. I am just a middle class citizen who works long hours and am trying to survive.

Company response to consumer: Closed with monetary relief