vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We purchased an apartment XXXX in an apartment complex named XXXX and received a loan from JP Morgan Chase Bank in XXXX. We have been paying the mortgage through the up and down of the market, including the financial crash in XXXX without even being late on any payment. After the crash, I contacted the bank and tried to see if there is a way we could refinance then, but was told that I have stop my payment before the bank would even talk to me, which would result in ruining my credit. I refused to do so. 

In XXXX I tried to refinance the mortgage through XXXX, a mortgage broker. After submitting monthly statements of my personal and business account for over a year, I gave up as it was n't going anywhere. I contacted Chase Bank directly in XXXX and submitted all the required documentation. They checked my credit XXXX and sent me a copy of their report indicating that my credit score is XXXX. However, after 3 months of checking everything, I was told that my application was rejected due to the XXXX credit report. I do n't know since when credit report of XXXX is ground for rejecting refinancing a loan that the same bank also has a10 years of payment history. 

On XXXX our payment will be 3 times as much and PJ Morgan knowing that we would do anything to keep our credit clean, they want to charge us 3 times as much on the loan that they have a 10 years history of payment rather than refinancing the loan for us. 

To us this is an unfair practice and would like to know what are our rights in this process and what it is that your office can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a bank account at Chase for about 7 or 8 years. I have filed a number of claims regarding double payments to XXXX with the Debit Card and a Credit Card. The merchant XXXX has been refunding the amounts as expected, it seems more from my efforts than those of Chase. I was told on or about XXXX XXXX, 2015, that the Claims Department was going to close the account without explanation and I would be getting a letter as such. I have never received the letter and the account is now restricted but not yet closed based on the information the Claims Department gave me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have been charged interest twice when I paid off an account before the end of the statement due date. ( Chase Card ) EX : I owed {$10000.00} due XXXX XXXX I paid XXXX in various amounts before the due date. 

I was charged interest of {$64.00} Upon calling the supervisor to ask about this I was told this was residual interest from a XXXX statement that I owed. I then asked what I then owed and was told {$980.00} and they would give me {$6.00} + in credit and redeem my earned points. I paid the XXXX that the supervisor told me I owed before the due date of XXXX XXXX anbd when I called the bank today to make sure I had a XXXX balance there was yet another interest charge of {$35.00}. I called a supervisor again today and XXXX the supervisor told me it was residual interest since I talked to XXXX the supervisor on or about XXXX XXXX. 

I thought you could not be charged interest if an accont was paid off in full before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 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 have opened a checking account with Chase bank in XXXX, CA on XXXX/XXXX/16 ... I deposited about {$9000.00}. Then i received a letter from Chase, dated XXXX/XXXX/16, that Chase decided to close my account, suggesting me to wthdraw my money and stop any automatic recurring payments.. The letter didnt specify the reason, i called the phone number on the letter, spoke with the representative, as well as the superviser, however, they didnt give me no explanation regarding why my account was closed ... They said " we have the right to close accounts, with no reason '' .as a customer, i need to know why? Please help me to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I was charged the wrong amount by XXXX. I disputed this amount by XX/XX/XXXX with Chase NA. My billing cycle ends XXXX XXXX, this means that by FTC Disputing Credit Card Charges, that this must have been resolved by XXXX XXXX billing statement or 90 days whichever comes first. I did not hear back from Chase Bank NA until XX/XX/XXXX, beyond this period and it was not resolved until XX/XX/XXXX when XXXX gave a small refund. 

Chase Bank NA was informed when asked if my dispute was now resolved, that they did not resolve this within 90 days or XXXX billing cycles and could not collect the XXXX {$50.00} of the amount disputed. On XXXX XXXX, Chase went ahead and rebilled the entire amount of {$70.00} even though they should not have been able to collect the XXXX {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: CA

Complaint narrative:
On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. 
On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. 
On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. 
I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has been charging me excessive overdraft fees and NSF charges when I asked them not to let the charges go through as I felt my information may have been compromised before. How can I be charged {$40.00} in NSF and overdraft fees for a {$5.00} or {$9.00} charge. What is the point of doing that? Excessive bank charges for profits is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 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: AZ

Complaint narrative:
XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a transfer balance credit line to consolidate my large amount of debt. I was not notified that i was approved, but instead Chase bank made a low payment without my approval to the line of credit they chose. I was not aware of this payment until i received a bill in the mail. I applied because i was trying to reduce my monthly payment while on a financial hardship, not to add another payment to my bills. If i would have been given the option i would have declined this low offer. i do n't apply to credit cards expecting them to make purchases for me. This is fraud and i do n't agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint against Chase credit card because they have been unwilling to work with me in resolving a credit card debt issue involving my mother 's account. 
My XXXX old mother recently suffered a XXXX XXXX and had XXXX. As a result, I was forced to become involved with her financial affairs. ( She previously would not allow me access to her finances ). I have discovered that she had lost all her investment assets a number of year ago, that she receives minimal income through alimony and social security payments and over a period of time as accumulated significant credit card debt. After analyzing her income, living expenses ( including rent ) and her credit card minimum monthly payments, it is clear she is barely keeping her income ahead of her expenses and that she will never be able to pay off the credit card debt. 
I contacted XXXX attorneys and XXXX advised to default on the cards. However, out of concern for her health and well-being, I am reticent to have her final years spent ducking creditors. Both my wife and I have power of attorney to manage her affairs and proceeded to contact Chase to see if there was any ability to lower or eliminate the excessive interest fees and reduce the balance. 
The Chase credit account is a closed account - she can not use it for purchases. It is unclear when the account was closed ( the history on line extends back to XXXX 2010 and it has not been used for purchases in all that time ). The outstanding balance in XXXX 2010 was {$28000.00}. Since that time, she has paid a total of {$50000.00} to Chase and has been charged an additional {$39000.00} in interest. The APR is 27.49 %. Her current outstanding balance is {$17000.00}. The latest Chase statement notes that the balance will be paid off in 30 years ( when she is XXXX ) if she continues to make the minimum required payments which as I explained she is barely affording to make. 
My wife and I contacted Chase to determine if they would review the account and treat it more fairly. The phone call lasted for over two hours, we were transferred back and forth to different departments, each time having to re answer the security questions and re describe the problem. We tried to reach supervisors etc. No one would offer any relief of any kind. From what we can determine she has only 'bought interest ' for more than 6 years. 
We are very concerned about her ability to continue to stay ahead of her expenses under the current conditions ( or worse, if her XXXX old former husband dies and there is no more alimony income ). and are shocked that Chase, in their own self-interest would not be able to recognize the reality that the balance will never be paid off. This feels like a form of elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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:
I filed complaint number XXXX because Chase charged numerous overdraft fees on my accounts after I had responsibly made sure there was enough money in them to cover all pending transactions ... I did this based on the information their mobile banking services provided me. 

It has been almost 2 weeks and Chase has not even responded to my complaint. THE FEES keep piling up. 

I went into a branch and was told that since I 'd had fees reversed in the past ( my XXXX account was once hacked into and caused debits to my account, as well as reversals which the bank granted me because I complained about their fairness ) that I would have to just eat these ... that they have no power ... it 's the policy ... XXXX, XXXX, XXXX ... .clearly the policy is to steal from people who ca n't afford it ( people with low balances ) This was not my fault. Even had it been, the amounts that were overdrawn were very small, XXXX or XXXX dollars ... And I deserve to have hundreds of dollars in fees because of this. It should be illegal. 

More and more fees are accumulating now because of pre-authorized debits that would have been covered but now ca n't be since my accounts are over XXXX dollars in the red. 

It 's literally a scam ... .Chase is going to make off with hundreds of my dollars. How is this legal??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase has overly lied to me and I XXXX and wanted to get a modification loan or to reduce my interest of 6 % for years with good credit. When I made good money for the last 22 years with them they said I could not refinance because I made too much money. Now in retirement, of half salary, I tried to lower my interest payment, they now say I do not make enough. and the only option they say is sell my house, I 'm not behind in my payments but have student loans Then they give a generic survey and ask how you feel. You tell the truth and then they call to tell you that you are still wrong to feel that way and to add insult to injury, still take your money and do not do anything. I am tired of very bad service, I am a XXXX. I am so disappointed in Chase. if anyone could help steer me to someone else please do. Tired of very bad service of zero.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern : On in the month of XXXX of 2008 a private student loan was taken out illegally with the Company J.P. Morgan Chase in the behalf of myself XXXX XXXX XXXX XXXX. The loan was in the amount of XXXX +. I XXXX XXXX XXXX XXXX did not apply for nor did I receive any financial compensation from the loan. This Loan has left a negative report on my credit report which is causing me problems in my employment and financial livelihood. I have reported this illegal transaction to J.P. Morgan Chase requesting that they remove it from my credit report with no resolve. Please help me as to how I may go about getting this removed from my credit report as well as all negative scores in result of the loan. Thank you in advance for your assistance and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation