vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX/XXXX/2015 at XXXX Eastern Time, I drove up to the ATM at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX KY XXXX to make a cash deposit. I was in a hurry and made the mistake of not counting the total deposit amount, but I would estimate it to be between XXXX and XXXX dollars. I fed the money into the ATM and got a receipt that said there was a technical problem with the ATM and to contact the bank to resolve. I went into the bank branch and was told I had to file a claim, which they did for me, Later that day, I received a " temporary '' credit of {$53.00} while they reviewed my case. They mentioned they have the option of taking the money back if they do n't find an error occurred with the ATM. Chase has a reputation for not giving customers back their lost funds and I am concerned that I will not get back the remaining {$30.00} to {$40.00} in lost funds but also they will try to take back the {$53.00} they did give me. I do not trust these people and feel like they are going to give back all of my money. If you can help I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XX/XX/2007. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX XXXX I was planning a to XXXX and had received a promo from British Airways for a British Airways Visa card, I applied online and was immediately accepted by Chase Bank for a BA Card. I have never applied before with BA or Chase for this type of promotional Credit Card offering me XXXX travel miles for the first {$2500.00} charged and addition miles for charging addition amounts. 
On XXXX/XXXX/XXXX I received a letter from Chase stating the premium was denied because the promo was only available to new card holders who have not taken advantage of this offer within the past 2-years. Again, I have never applied for a promo like this before. 
I called Chase on XXXX/XXXX/XXXX and was told that numerous notifications like mine were sent out erroneously. i asked to speak to a supervisor, XXXX XXXX, she denied what the first call center employee had stated and said I needed to call BA to get my points, when I stated the card sent to me told me to call Chase she said she could n't hep lp me and I asked to be transferred BA. I remained on the line and was connected to XXXX in XXXX OH, after putting me on hold for 30min. she restated what the first person told me that the letter was sent in error and that my points would be transferred to BA. 

This appears to be a bait and switch by Chase to enroll card holders through travel rewards and then at a future date after all conditions were met to deny those promised promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: DC

Complaint narrative:
I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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 can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have my mortgage from Chase Bank. I purchased y house in XX/XX/2016 in foreclosure, my monthly payment was approximatively {$2000.00} and in 2016 my monthly payment goes up to {$2700.00}. I tried to have the PMI cancelled on my mortgage because my monthly payment increase too much. Chase sent someone to do an appraisal on my house and the value on my house goes up to XXXX. They told me that they were unable to cancel the PMI because the value is not high enough and that I did not do too much improvement in my house since I bought it. I bought the the house in very bad condition, I changed the garage door, I removed the carpet in all XXXX bedrooms and installed hard woods, I repaired the entire roof in the sunroom. I feel cheated by the bank when they told they are unable to cancel the PMI because I know the value of my house is there. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My husband, XXXX was seriously injured in an accident on XXXX XXXX, 2016. He is still recuperating from the resulting XXXX and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX XXXX XXXX XXXX, a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " Debt Settlement Company '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their Credit Counseling Referral Lines. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX XXXX. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I fell behind in my mortgage payments due to loosing my job and being a single mom. after several months I received a streamline modification package from chase, I had it notarized and sent back, then I got a call from chase stating the notary was not done correctly and they were sending me another package. I received XXXX package and had it notarized again and sent back, they said it was still incorrect and chase cancelled my loan modification. I dont know why I am being punished for notary error. I asked them to send me another package, they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a Chase Freedom card since 2007. My interest rate at the start was XXXX My credit was bad, I was lucky to get a card at all. Since them they have raised my credit limit three times, from {$4000.00} to {$13000.00}. I have made every payment on time as proved by my credit reports from all the reporting agencies. My last payment to them was {$9000.00} which left me a balance of {$760.00}. My credit score is XXXX. When I asked them to lower my rate. They said no. I pointed out my payment history, they said I had the lowest rate available at that time. On credit card sites, the highest rate listed for this card is 23.27 % I and paying XXXX points ABOVE that. Usury springs to mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was offered a credit card product that would serve as an overdraft protection option for my checking account. The program was offered at an introductory rate of 2.9 % and after the initial 6 month period would increase to the typical rate of 12.24 %. Instead of increasing to 12.24 % it went to 19.49 %. To summarize the impact what I ended up being charged was {$2200.00} in interest vs. {$1500.00}. So at the end of the day I 'm legitimately liable for the {$1500.00} and this is what I agreed to pay Chase. What makes this scenario worse is that I did n't realize they were only taking out the monthly minimum when I had more than enough cash in the account to cover the full balance. While it 's my fault for not noticing this fact earlier I could have paid far less than the {$1500.00}. I have since paid of all the principal balance on the account plus the {$1500.00} in interest. I have asked Chase on numerous occasions to credit my account for the remaining balance as a gesture of good will and to bring the overall annualized interest down to a reasonable 12.24 %. Even though I have filed a formal dispute with Chase they are now dinging my credit report. Despite my 20+ year history with Chase as a " valued '' customer the insist they are unable to credit my account for the overcharged interest. I will soon be closing my accounts with Chase in exchange for a local bank who truly values their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Went on line to pay my Credit card in Full -- wording says- to pay in full -- I paid in full but when I got my bill there was still a finance charge applied -- why did they say to pay in full??? Also my statement has the same verbiage -- shows I should have a XXXX balance but they still are charging interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2016 my husband had brought his XXXX and enjoy the park. I fell ill at the park, so my husband rented a wheelchair in order to get me from the park to the parking lot. My husband, XXXX XXXX, understood that the charge for the wheelchair rental was {$25.00} with a {$25.00} deposit. He rented the wheelchair at XXXX and returned the wheelchair at XXXX. Instead of refunding the {$25.00} deposit, the clerk charged him an additional {$50.00}. He was in a hurry to get back to his XXXX and did not double check the receipt. My husband was in error by not double checking the receipt, but that in no way entitles XXXX to {$75.00} additional funds. 
Chase initially took the charges off, but added a {$50.00} charge back to my account XX/XX/2016, even though we had faxed a notice to them on XX/XX/2016 that the amount was still in dispute. XXXX is claiming the charges are legitimate because there are two receipts, even though it has been explained that the second receipt should have had a refund of {$25.00} and not another {$50.00} charge. 
We are unable to reach anyone by phone at Chase or XXXX to resolve this. They call, but there is no caller id and I do not answer unidentified callers. They leave a message and we call back, but they are always away from their desk and do not return our calls. 
I sent them a notice today by fax at XXXX CDT that they needed to call us back by XXXX today or I would be filing this complaint. There was, of course, no return phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT STANDING. I am extremely responsible with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.

Company response to consumer: Closed with explanation