vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Ordered a product from what I thought was a reputable business and have since found out that this business ( XXXX XXXX, XXXX located at : XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA ) is a scam. I 've called my credit card company and they have n't done anything about back charging this business for the product never have been shipped to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had made online purchases via my bank account. When XX/XX/2015 came I check my account to see what cleared and what did not, everything was shown as payed nothing was shown as pending and there was {$1.00} left in the account. On XX/XX/2015 the account once again was looked at there was now {$70.00} in the account with all the same transactions showing as paid its was there was another purchase made that left the account at {$34.00} but on XX/XX/2015 still showing all as paid. Then on XX/XX/2015 my account had to {$34.00} over draft fees and said a previous XXXX purchase of {$68.00} was not paid even though on XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX it never said this was still pending it showed as paid I even counted the money up myself and it showed everything as paid. When I call chase on XXXX XXXX they tried to say the merchant never took the money out the account until the XX/XX/2015 but this was not reflected in my account that day or any day befor that. They refused to reverse and take responsibility for the failure to show items as pending. I as to speak with a supervisor or someone over the supervisor I was speaking to and told that some one would call in XXXX hr. As of XX/XX/2015 no one had called and I called chase at XXXX where the female representative did not give her name but sad chase does not have to inform me of transactions that are pending still refusing to correct there mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
When I opened a credit card in 2012, I was told after-the-fact that I had been signed up for a checking account, as a condition of opening the credit card. I never asked to open the checking account, and was only told about the account after the branch representative finished opening my credit card. Now, 4 years later, I am being charged fees on the checking account. I was given no notice that I would be charged fees, and I never wanted this account in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have gone thru a nightmare JP Morgan chase. We were promised 2 % mortgage for both my XXXX and XXXX mortgage and were told not to pay. All we received were a nightmare almost lost our home and were cornered into taking whatever they offered they even added {$30000.00} to our mortgage ( which I have asked about over and over ). We owe more now than we did when we first took our loan out after paying 10 years. Were not able to fix the XXXX loan for a lower rate because the house was not worth that amount and we could not get out of the loan with chase plus the rate will increase over time. They put as in a unfair place. Please help us!! I would like to find out how they added over {$30000.00} and I would like to have both mortgages together and at 2 % that is what we were promised.I still have names and messages which were bogas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank account closed, charged off and/or settled, negotiated through XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A very long time ago, when banking with chase, I had given a teller money to pay off an credit card account. It was for around {$120.00} and I had much more than that in my checking.. however she did not apply the money there before I left for vacation.. and now many years later ( this happened 8 years ago ) it is showing up as a delinquent account on my report and caused me to get denied for something. This is extremely upsetting and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a XXXX Cancelation of debt for this account. Please remove this account from my Experian Credit Report as the retention time has expired and it is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For more than a XXXX I have been trying to obtain a short sale on my property at XXXX XXXX XXXX XXXX, in XXXX, Californina. The lender which is Chase since the beginning has been taking a very long time to help us. We have a new buyer with the short sale approval asking price, we submitted the offer and since XXXX XXXX we have not received any communication back from the lender. Chase is ignoring all my Realtors email requests, they say they will reach out within XXXX hours back to us and never do. We do n't even get an acknowledgement from them. We also tried to reach out to the supervisors and they ignored us too. I need them to help us. To keep us posted on what is going on. To work in my file because the buyer will remain interested in the property. To be kind enough to reply to my Realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received notice that Chase Bank is ending their relationship with XXXX on XXXX XXXX, 2015 so my XXXX XXXX XXXX XXXX will no longer be in effect after that date. They will be opening a brand new ( different ) Chase Freedom Visa Signature credit card account. I called on XXXX XXXX and then again on XXXX XXXX to speak with a supervisor, XXXX XXXX. In both conversations I got the same story. I could not just let the old card expire and request that a new account not be opened. I either had to wait for the new card and then call to cancel the new account or cancel the current account to stop the new XXXX from being opened. As part of the XXXX XXXX conversation, I opted for the latter option. Either way, I 've been put in a position of negatively affecting my credit score by having to voluntarily cancel an account. 

How is this fair? I thought part of the Act was to prevent credit card companies opening unasked for accounts - I guess their lawyers found a loophole for so-called " existing '' customers? This stinks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.

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: IL

Complaint narrative:
I had bought a laptop from XXXX using my chase credit card mileage explorer. The laptop was defective and i contacted dell to return it. It was returned ot them via return courier. 
I did not receive any refund from XXXX. Therefore I contacted Chase to file a dispute with XXXX to get my money back but they did not dispute with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and myself just refinanced a loan given to him from Chase bank. Back in XXXX of 2012 Chase bank told my husband he had to miss mortgage payments in order to do a loan modification to lower his interest on his home loan. They also demanded that he only use their lawyer in house. Turns out when we refinanced there was a balance setting on his home loan of {$4500.00} due for Fees associated with this cooked up bank scandal of which my husband never received any loan modification on. My husband only had his credit ruined and back then had to pay all fees to bring his loan up to date. Really I think what Chase band did to him is a crime! Chase should return all fees to him. Currently the amount of {$4500.00} was paid to chase bank through our refinance. But it should be returned to us from Chase. What they did back in 2012 was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
in XX/XX/XXXX, i had file for chapter XXXX due to my medical problems and include all my credit cards, medical, bills due to the fact the l have a XXXX, and the court discharge all my debts, but no matter how many times l tell them and call them the l fille for bankrupt, they still call me and report the old charges the l had '' in the pass, plus this has efected so bad the credit, the l cant even rent a apartment due to the fact the this shows on my report, now my question is were does the costitution protected one from matters like this? does the bankruptcy Abuse and prevention and consumer protection act protected us? dint the congress in XXXX XXXX signed into law by president XXXX XXXX XXXX, my question is why don the credit bureau folow the laws?

Company response to consumer: Closed with explanation