vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing because I received a letter from Chase Bank XXXX XXXX to tell me that my mortgage loan will be transferred to XXXX inc on XXXX XXXX. Since then I have spoken to several Chase rep about my loan being transferred and why am I finding out so late but their only answer is that they can transfer the loan at anytime. I called Chase today to get a pay-off quote from them and was told by a Chase rep that my loan was transferred yesterday and the case was closed yesterday and that they were trying to get in contact with me. If they were trying to get in contact with me, how come i have no messages from them and how come they did n't tell me what they were trying to inform since I have spoken to them more than XXXX times in two days. I received a letter yesterday dated XXXX XXXX telling me to call and that they have been trying to get in touch with me. It is not true because I spoke to Chase several times last week and this week asking them questions about my loan. I have spoken to a rep by the name of XXXX XXXX before my loan was transferred. Now when I ask about the pay off quote, all of a sudden, they can not tell me. XXXX rep told me today that my loan was transferred and closed yesterday XXXX XXXX and then when I called back to speak to an escalation agent and she said that my loan was transferred on XXXX XXXX and they would n't have been able to give me any information. Someone is lying. I spoke to several Chase representative since I received the letter in XXXX and have spoken to several Chase rep this week XXXX XXXX and XXXX to get information about my loan and they transferred me to XXXX who says they can not give me any info until XXXX XXXX because Chase has n't transferred all my information yet. My apt is being sold and my closing is on XXXX XXXX and I have a right to know what my pay off quote from Chase is. 

Chase has lied to me so many times, first they said they were n't the XXXX to transfer the loan and it is XXXX, and I should call them, then they said that they transfer a whole bunch of loan at the same time and that they have no control over the loan being transferred. I have the right to have all the information needed about my loan whether or not the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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 have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Principal balance as of XXXX/XXXX/15 was {$6600.00} and as of XXXX/XXXX/15 was {$6300.00}. Today my balance is {$5700.00}. Monthly Prin {$320.00} and interest was {$29.00}. My balance is not going down as agreed. I have asked Chase to provide me details on the loan and they stated they do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a mortgage with chase. I 've have been foreclosed on twice now by chase for them making mistakes on my escrow account. Paid over {$28000.00} to get my house back for first time, and two months into payment they said I owed {$13000.00} more and had to be paid immediately or they would proceed with foreclosing process again. I 've been going back and fourth with chase bank for over 5 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.

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

Complaint narrative:
We were charged XXXX for XXXX XXXX seats on XXXX XXXX to XXXX. We have contacted XXXX and Chase ( the issuer of the credit card ). Both responded that we had XXXX XXXX seats so no refund was due. That misses the point. We do not dispute that we had XXXX XXXX seats ; the issue is that we were charged XXXX. 
The confusion stems from the following sequence : -- -XX/XX/XXXX We made reservations for the round trip to XXXX and purchased XXXX XXXX seats. 
XX/XX/XXXX We purchased a year long subscription for XXXX XXXX seats from XXXX. 
XX/XX/XXXX We contacted XXXX to cancel the reservations made on XXXX within the XXXX hour window for no-penalty cancellations. We explained to the agent that we intended to rebook and use our XXXX XXXX subscription to obtain XXXX XXXX seats on the new reservation.She said there was no need to cancel the reservation. She would adjust it to reflect our XXXX XXXX subscription. She did so ; sent a confirmatory email ; and the amount charged our credit card reflected the air fare with no charge for XXXX XXXX seats. 
XX/XX/XXXX XXXX charged our credit card for the XXXX XXXX seats with no notice to us. We learned of the charge in XXXX when we received our monthly statement. 
XX/XX/XXXX We submitted a written refund request to XXXX. 
Late XX/XX/XXXX After receiving no reply from XXXX, we submitted an electronic refund request. 
XX/XX/XXXX We submitted a refund request to Chase Bank, the issuer of the credit card. 
XX/XX/XXXX We received notification from XXXX that our request was denied because we had received XXXX XXXX Seats. 
XX/XX/XXXX We supplied Chase Bank with written documentation of the above transactions. 
XX/XX/XXXX We contacted Chase Bank to ask what was happening with our refund request. We were informed it had been denied because we had received XXXX XXXX seats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
While in XXXX, a gas station attendant stole my credit card and fraudulently charged to it. I immediately disputed the charges with Barclaycard. Barclaycard sent me a letter saying that they investigated the transaction and their research indicated the transaction was valid. The letter says that the results of their investigation were enclosed with the letter, but nothing was enclosed. I called to resolve the dispute and spent over 1 hour on the phone, mostly on hold being bounced between departments because Barclaycard could not figure out whether this was fraud or not. I still have not received resolution on this matter. Is their strategy to make customers hold for so long that they eventually give up?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bought my loan from another company and marketed a reduced 15 year loan. We worked with Chase for three months and were sent a letter turning down our loan for " excessive obligations in relation to eligible income as well as degrading my XXXX credit score. 
First, the refi was for {$320000.00} on a home with a market value of $ XXXX. Our net worth is in excess of $ XXXX, last three years annual AGI in excess of $ XXXX, and total debt of less than $ XXXX, XXXX % mortgage debt. On their statement of Credit Denial They reported credit delingencies, not true, balances are too high on your balance revolving accounts - maybe, but all paid each month, too many delinquent accounts - none, an out right lie, too many high current balances on revolving accounts, not true, a lie, none exist. 
We do not have excessive obligations by any measure - also a lie. 
These people and organization need to restate their denial. This is dangerous for many others and we are very disappointed not in the denial, but with the lies or worst, incompetitence in reviewing loans for home buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: VA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Had CC debt that was not being paid in XXXX XXXX. Chase charged off debt in XXXX. Issued a 1099 C in XXXX to IRS, sent XXXX to me at wrong address noted on 1099C. IRS contacted me I XXXX XXXX stating error on XXXX tax return and are demanding {$1600.00} payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XX/XX/2010 The bank JP Morgan Chase , NA XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a bank account with Chase and passed my credit check and got everything set up and 10 days later I get a letter from the fraud department saying my account had been closed due to unusual activity on my account! It gave me a XXXX number to call to resolve any outstanding issues. I called and no one could tell me why my account was closed just that The Executive Office had run an indepth check and something about a Chase or XXXX XXXX account in 2013. Also they told me they could close any account without reason they just did n't want to do business with me! Very rude. They told me to contact XXXX for a report and when the report came back there was nothing negative on the report that would stop me for getting a bank account. They had already submitted my direct deposit for my Social Security and due to them closing my account my check for XXXX is going to be late and it will result in my bills being paid late and affecting my credit score. No one told me they can deny you a checking account just because they can! But again the person that I talked to was very rude! This policy should be changed and everyone has the right to know why they were denied a checking account! Without being told that out of the blue we can deny you for any reason without telling you why!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Because of a lawsuit that my partner and I have, we asked for a cash advance. We were sent XXXX checks : XXXX in his name and XXXX in my name. The XXXX in my name was delivered to me, but the XXXX in his name was nothe had to go in person to get it. I took him to get it and he presented his ID, but according to them it wasnt valid. He showed his papers from the attorney who is helping with his XXXX case ( he lost all of his documents ), and he also showed them an income tax return with his Social Security Number, and they just told him that the money transfer was there and that it had been paid, but they werent going to give it to him. He asked if he could get it with a letter from the lawyer or a notarized letter from several witnesses, and they just told him not to waste his time. They closed my account because according to them they couldnt prove who he was. When we asked them why they didnt just transfer the money to the bank that issued it if they werent going to give it to us, they told us that eventually the money would be sent to our house, but that could take months or even years. I think that this shows a huge lack of respect, and it is abusive behavior toward a couple of people who are only claiming whats theirs. We have a critical situation involving a XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: AZ

Complaint narrative:
I went to a school who preyed on their students and my legal information was illegally changed without my consent. I have been receiving calls by an unknown company that says I was going to a school that may have violated the law. When I called them back they hang up on me or do n't answer the call. 
XXXX phone number to the unknown company who asked me to call them because my school violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have already filed a complaint against JP Morgan Chase in regards to my mortgage and there lack of professional customer service. I am a victim of financial and XXXX abuse. I am in the process of getting my life in order. I was left with a huge credit debt due to my spouse. I pay my bill every month on-time. I asked if my monthly payment could be reduced temporarily until I weather the storm. I was told by them that they could not help me. I wrote letters to them explaining my situation and still they would not help me because I am current with my monthly payments. I am trying to avoid bankruptcy. I have a court order sale of my house that my spouse is in contempt of. All I am asking from them is temporary help until I am able to get on my feet. They are unresponsive and down right nasty to me. I received a positive response after filing a complaint about there customer service in regards to my mortgage and now I am asking again.

Company response to consumer: Closed with explanation