vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : " WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX, 2016, we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX, at a branch or by request when you call us. 
Please read the entire document, paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt, we are not required to adjust your account for discrepancies of {$10.00} or less. See below for the full paragraph that has changed. '' This seems a unilateral and unreasonable change in the contract for banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband deposited his XXXX loan check to CHASE BANK on XXXX XXXX, 2015. It was supposed to clear on XXXX XXXX. 
On XXXX XXXX he used his CHASE debit card to pay lunch and it went through. On XXXX XXXX when he paid his lunch, he found out he had no money in the bank. He went to CHASE BANK and was told his account was frozen because of suspicious activity. The XXXX loan check had already cleared according to the company but CHASE bank have and the rest of our money XXXX pay checks and all XXXX frozen. 
CHASE gave him some phone numbers to call since the local CHASE BANK could not deal with the issue but the " persons '' he talked to on the phone could not solve the issue either. You know how long you have to be on line before you reach a person when calling CHASE. And he was passed along from XXXX person to another. 
On XXXX XXXX we received a letter from CHASE dated XXXX XXXX stating that the bank is in the process of closing his account ( authored by XXXX XXXX XXXX. The bank would not even return the money we have already in the account before the XXXX loan check. We were completely crippled since we have our pay checks direct deposited to CHASE BANK. 
Our mortgage is also with CHASE BANK and of course we will be charged late fee for not paying on time. How are we to survive? We also have other bills and basic living commodities that we need money for. 
Is this another tactic, bank mumbo-jumbo to disable the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A Chase/XXXX credit card was opened without our consent. All materials including one card were mailed to our home. We called Chase to alert them and instead of being concerned about this mysterious opening they asked several times if we were sure we did not want this account. They said XXXX opened it. Chase did say they closed this new card account and said they 'd send us material on identity theft in the mail. Very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am a XXXX year old widow who has resided in the same home since 1977. I have gone through a few financial problems but am now finally getting my life back on tract after a few setbacks. My problem that is I have been with the same mortgage company for many years and have been paying an outrageous interest rate of 8.29 %. I have contacted them on a number occasions to see if I could do a refinance to get my interest rate lowered to what it should be, but each time I was denied for one reason or another. I even tried the HARP loan which I was also denied for. I have maintained my property well and have not been late on my mortgage for a few years and I think I deserve a reasonable interest rate. Would you please help me. I am struggling with this issue and do not know who else to turn to. thank you for any assistance to can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Education Servicing, LLC
State: IL

Complaint narrative:
I borrowed a total of {$38000.00} in XX/XX/XXXX and XX/XX/XXXX for my student loans with National Education Services from XXXX, IL. I noticed after making 87 payments on time that my balance was only rising. After speaking with them multiple times and not getting answers ( even when speaking to the President XXXX XXXX ) I finally talked to someone who told me there was capital interest on top of my monthly interest. The capital interest was for nearly {$14000.00} total. So my loans were starting at {$52000.00} with an additional monthly interest taking out. When I said I was never made aware of this I was told it was on my contract. When asked for a contract she said she would send it to me right away and I have yet to get it. 
It took me a while just to find out about this and again was never made aware of this, nor did my account ever reflect the total of {$52000.00}. I am appalled at this company and their actions throughout this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: MN

Complaint narrative:
Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We applied online through Chase Slate for a " full '' balance transfer. We wanted to transfer our XXXX XXXX balance of {$45000.00} with a higher interest rate to Chase Slate. We got a letter in the mail saying that we were approved for {$3400.00}. At this time I called Chase Slate and said if you ca n't transfer the full amount of $ XXXX then I do n't want any transfer. They ignored that request and opened up the credit card account anyway, transferred {$3400.00} to XXXX XXXX and sent us a bill with a balance due of {$3400.00}. When we called them and asked them why they did this they did not have an answer. They said sorry. Completely unacceptable. We wanted only XXXX credit card with XXXX balance at the lowest interest rate we could get. If Chase Slate was not okay approving us for the full balance transfer that is fine. They should have stopped the process and let us know. At which point we would have said thank you very much we do n't want your credit card at all. Instead they just opened up an account for us with a balance that was not requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I recently went to cash a check at a XXXX, MA branch of Bank of America. It was a BoA check made out to me. They asked for my photo ID, which was reasonable, which I provided. They then stated that in order to cash the check, I would need to submit to fingerprinting. There was nothing on the check stating that in order to cash it, I would need to submit my biometric data to a corporation. I felt that this was an unreasonable breach of privacy and offered to provide a great deal of other ID that I had on me such as credit cards, driver 's license, social security card, etc but nobody would cash my check without a fingerprint. I should n't have to be made to feel like a criminal for simply trying to cash a check from that bank without having to submit my biometrics. I would like to see the CFPB pass a regulation forbidding this practice as it is an unreasonable breach of privacy in order to accomplish a task so mundane as cashing a check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: MI

Complaint narrative:
I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am indisputably owed {$2500.00} from Chase. I was a victim of identity fraud through my Chase checking account when, on XXXX XXXX, 2016, a Chase banker issued a new chip debit card to someone impersonating me in West Virginia while I was traveling in XXXX and that person used that new card to withdraw {$2500.00} from my account. Because of this, Chase closed my checking account but withheld the {$2500.00} from me because it was still " under investigation. '' Chase completed the investigation and acknowledged on or about XXXX XXXX that the {$2500.00} was fraudulently withdrawn and that the remaining funds Chase kept while conducting the investigation ( {$2500.00} ) should be returned to me. I have made multiple calls to Chase and each representative told me to wait for the claim to be finalized before I would receive my {$2500.00} back and that they had until XXXX XXXX, 2016 to do so. I do now know why it took them another six weeks to finalize a claim that had been resolved XX/XX/XXXX. The claim was in fact finalized on XXXX XXXX and I was told a {$2500.00} check would be released to me and that I had to wait for 7-10 business days for this to arrive in the mail. I did NOT receive this check by XXXX XXXX and called again on XXXX XXXX and was told the funds were still " in suspension '' and had not been released yet but was promised that they would be released in 1-2 days and then a check overnighted to me and that I would receive a check by Monday XXXX XXXX. I did NOT receive a check by XXXX XXXX, so I called again and being told again that I must wait another 10 business days to receive this check. I have called to manage this at least 15 times over the past 3 months since this identity theft occurred. I have been told repeatedly that I needed to wait to receive a check and the new deadline passes and then I 'm told to wait again. I speak with a different person each time, including multiple supervisors, who all promise to call me back but I have never received even one phone call back. No one will give me a way to reach them so I start over each time with a new person each time I call. Each time I call I am then told something different by someone else, regardless of what " the notes '' say from my prior call, and each time I am told to wait again. It is now 20 days past the finalization of this claim and there is still no one who will assure me that this {$2500.00} is being sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Found out that JPMORGAN CHASE BANK has issued XXXXcredit cards to someone in my name and the cards are charged off and no information has been giving to me about the application which I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is reporting inaccurate late payments on my credit which are severely damaging my credit scores. My car was totaled XX/XX/XXXX and since that time, Chase has been servicing my account poorly. 

I am trying to apply for a mortgage but these late payments have set me back drastically because of the hit to my scores. 

Currently, they are reporting that I have been 30 days delinquent on my payments since XX/XX/XXXX. 

The fact that my car was totaled was something beyond my control. After the accident, I was never able to make regular scheduled payments online as this account was marked as special collections. In order to discuss my account, I would be kept on hold for up to 90 minutes at times making it very difficult to get assistance. Each representative I did speak to would tell me that my payments would retroact back to XX/XX/XXXX ( This would be insurance and gap payments ). 

Unfortunately, this never happened as they indicated and each time I called back there were delays ; Delays in paperwork being sent to GAP and insurance. I made the necessary arrangements for my insurance to cover their portion but I have had to mediate this entire process with Chase since the accident. 

A lady from the executive office called me after the first complaint I filed and she told me that she would remove the first late after the retro payments back to XX/XX/XXXX. 

This never happened as stated to me and she never called me back. I also tried to call on my own and the representatives told me it had not been done yet. 

In the meantime, it seems that payments were being applied haphazardly to either interest or principal and they have been reporting me 30 days delinquent since XX/XX/XXXX. I 'm not sure if they were being spiteful because of my previous complaint but on XX/XX/XXXX, they reported me late again and said they would not be able to apply it until XX/XX/XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.

Company response to consumer: Closed with explanation