vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My home mortgage was originally held by XXXX XXXX but was recently sold to Chase. To mark the transfer I received a statement from each bank dated XXXX XXXX, 2015. Inexplicably, the Chase statement showed a principal balance {$500.00} higher than that on the XXXX statement. XXXX insists they provided Chase with the correct balance. I have made multiple phone calls to Chase, sent them a written request along with copies of the XXXX discrepant mortgage statements, and waited for weeks with no resolution to what appears to be a very clearcut matter. The fact remains that {$500.00} that I paid into my mortgage has simply disappeared, so not only has my money been taken but I continue to be charged interest for a portion of principal I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: COAST PROFESSIONAL, INC.
State: VI

Complaint narrative:
My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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 HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
in XX/XX/XXXX i was garnisheed wages for a XXXX dollar credit card, as of XX/XX/XXXX XXXX/and XXXX out of XXXX have taken XXXX dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase upped our interest rate to 27.9 %. Despite calls to several people and despite many years as a customer and despite the current market interest rates, they refuse to lower the rate. We have had several times where we were late but we have always paid the minimum payment and many times more that the minimum balance. This interest rate is predatory for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank is reporting inaccurate information regarding the date of last payment to XXXX ( Report XXXX, dated XXXX XXXX, 2016 ) and XXXX on XXXX accounts ( XXXX ) and ( XXXX ). The date of last payment is showing as XXXX 2016 ; however, the actual date is XXXX or XXXX 2016, according to my recollection. 
On XXXX XXXX, 2016, I called Chase to discuss the XXXX accounts, at XXXX XXXX XXXX XXXX XXXX, the number on my XXXX report. I spoke with XXXX ( no id number ), who transferred me to ( XXXX XXXX XXXX XXXX. 
I spoke with XXXX XXXX XXXX XXXX regarding this matter. She stated Chase is no longer reporting ; however, I advised that their prior reporting from XXXX is still showing on my credit reports. 
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything, as I had disputed this previously directly with the credit bureaus unsuccessfully. 
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account, and they refused to do so, stating that the records had been provided to XXXX and I would have to contact XXXX. 
Either Chase has these records, but refuses to confirm the information internally ; or Chase is continuing to report information despite having no documents to support the information. 
I also spoke with XXXX, supervisor, Chase XXXX XXXX XXXX, who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received mail today from Chase regarding my XXXX Rapid Rewards Premiere VISA Signature credit card. Enclosed was a replacement card ( for Chip & Signature use ) along with printed materials about the card. Nowhere in the printed materials did it disclose the {$99.00} annual fee associated with this card. These do invite the customer to consult XXXX for more information -- but no where on those online materials is the amount of the annual fee mentioned, not even in the " Terms and conditions '' pop-up window at XXXX. I had to call the XXXX number, wade through a voice menu, and speak to a customer service agent in order to be reminded that this card carries a {$99.00} fee. When I asked to be downgraded to a version of this card without an annual fee, I was told there was n't any. The only way to avoid the {$99.00} fee ( to be charged next on XXXX/XXXX/2015 ) was for me to close the account -- which I did, despite the negative impact on my credit score this entailed. 

In short : Chase is hiding the annual fees these cards carry from their customers, a dishonest and short-sighted business practice, and requiring customers to degrade their credit scores in order to avoid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to XXXX University for 4 years. My parents went through Chase to get my student loans. When I first signed my student loan paperwork the interest rate on it was low and they seemed to make it stated that I would have a low payment. After graduating college I received a bill stating I owed almost XXXX and my payment would be {$400.00} a month. This loan now 4 years later is an ARM with interest rates 12 %, 11 %, and 10 % interest rate ... NOT the XXXX, XXXX, and 6.25 % it started with or the payment of {$400.00} it is now {$700.00} a month. Mind you this is n't my only student loan because XXXX University is technically a college that costs XXXX a year and that does n't include food or books or rent. When I called Chase to discuss refinancing the lady on the phone literally laughed at me and stated there is no form of refinancing on chase private student loans because we no longer do them. There is no chance of you ever fixing in your rate or lowering your payment because we no longer have chase student loans. I was then transferred well my servicer is now XXXX which I have to go online and pay my bill every month which its due on the XXXX? Who gets paid on the XXXX of any month? I asked XXXX to refinance, to lower my payment, to do anything ... they told me Chase holds your loan and this is not possible. So after paying on my student loan for almost 5 years I am only down XXXX and I have a payment of {$700.00} a month with an increasing interest rate. My advice is if your parents or you are going to look at any student loans make sure you weigh out all federal loan options because I am sitting on private not moving. I have XXXX with XXXX student loan company and they wont do anything either. They call me about XXXX every 6 months to tell me basically that my payment is going up because I wont pay my student loan off in time. 
Why is it possible for PRIVATE loans that DO NOT have a part of this loan business anymore capable of not fixing in a rate, or lowering a payment, or doing anything to help? Why is it when you graduate you automatically are thrown under a bus and no one will help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX a representative from Chase had pulled all XXXX credit bureau without my permission, and I had an associate and a supervisor to inform me that Chase has that right within their Terms and Conditions. However, Chase 's terms and conditions does states that Chase does has the right to pull all XXXX credit bureau. On the other hand, the terms and conditions do state that Chase must provide me with the credit bureau 's name, address, and phone number to which Chase is obtaining my credit score. Chase sent a letter on XXXX XXXX, XXXX only requesting to pull from XXXX and not from XXXX and XXXX. Thus, on XXXX XXXX, XXXX the credit inquiry for XXXX is perfectly fine ; however, I would like the inquiries for XXXX and XXXX to be removed from my credit report as a hard and soft inquiry. In addition, I tried to explain to XXXX XXXX with Chase that this wrong on the part of Chase, and Chase should honor their terms and conditions. Because Chase used the terms and conditions to explain to me about obtaining all three credit bureaus, but once I pointed out that their terms and conditions do state that Chase must provided me with all credit bureaus are pulling my credit score. Furthermore, XXXX XXXX with Chase is going to say " if Chase request to have inquiries removed from XXXX and XXXX that my Credit Limit would be lowered. '' Now, how is you threaten my credit limit for the Chase XXXX Credit Card when XXXX has the highest credit score in the first place. In addition, Chase sends a letter stating the inquiry process was invalid, and I still requested from XXXX XXXX to remove inquiries based on their research. Yet, again XXXX XXXX refuses to remove the inquiries from XXXX and XXXX ; however, The Georgia XXXX XXXX XXXX and as a letter from XXXX say that a consumer reporting agency must provide me with all credit bureaus to which they are trying to obtain my credit score. Thus, I am requesting to have the hard and soft inquiries from XXXX and XXXX, and to keep my credit limit at {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone else 's {$330000.00} investment account is attached to my account @ Chase Bank. They remove it, but it pops back up onto my account the next month.

Company response to consumer: Closed with explanation