vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Fleeing XXXX husband, I left my home and started over. My husband remained in the home with all possessions. XXXX would not aid in the return of my possessions or childrens possessions. This was in XXXX. In XXXX, my husband had me sign a paper saying I no longer provided income in the household so that he could modify the mortgage agreement. To my knowledge all was paid and fine. In XXXX XXXX I find out my husband has moved from the home and there is a for sale sign in the yard. I called the realtor and asked had the bank taken the home and what was going on. The realtor could not tell me any information. Although the for sale sign was in the yard, she did not know anything. She stated the locks have n't been changed and she assumed someone was still living in the home. I called Chase Bank ( mortgage company ) and spoke with them. No information on foreclosure but the taxes had been paid. I went to the court house later in XXXX and looked at the file on record. Therr was minimal information and I did not understand the material due to a XXXX XXXX XXXX. I recently went back to look at the file again. There are now a stack of documents in the file dated for XXXX that were not in the file. I found it odd that notaries from surrounding states were used and the notaries were employed by the law firm agency who was the substitute trustee on the house. I do not understand these papers. My home was sold for XXXX and the loan was for XXXX, yet the tax value is XXXX. I 've believed this to be a scam from the beginning. Also, I was not properly notified of the forclosure. The file now contains a form saying my copy was left with my husband, who did not inform me of the foreclosure. These forms were not in the file previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Vehicle was paid off and refund due. Company refuse refund money for 21 working days even thought transaction have been complete, refuse to pay interest on money held doing this period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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: CO

Complaint narrative:
I 'm attempting to have my student loans deferred for 1 year due to a job loss, continued custody court issues with my 4 year old son, and helping my elderly widowed mother whom has XXXX, pay for medicine. In XXXX I received an email from the XXXX. I responded to the email and wrote the omnibus for help to consolidate my student loans but never heard back. I left a voicemail for a XXXX at a XXXX XXXX location but never heard back. I 've asked my congressman, XXXX and XXXX of XXXX to help with a congressional inquiry. I 'm asking the CFPB to please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
while looking at my credit report today XXXX XXXX, 2015 via experience I noticed a credit card opened on XXXX 2015 for chase Bank, with a total amount used of {$450.00}. I did not apply for a chase credit. 

Please let me know the next step via email : XXXXXXXXXXXX or cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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:
My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a letter from Chase saying I was eligible to apply for a Chase XXXX business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous XXXX years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is XXXX, and XXXX of the XXXX credit cards in my credit history were closed at the time of the application, and the XXXX credit card I still have open is a Chase credit card with a {$31000.00} limit, that they would not approve me for another credit card. 

I expressed that I was willing to provide Chase bank with additional proof, including statements and other information from XXXX other Chase XXXX cards that I had received over the past XXXX years to demonstrate my credit-worthiness, in accordance with XXXX Rules concerning evaluation of applications. ( XXXX ) XXXX history. ( ii ) which reads : " On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. '' I can clearly prove that I am creditworthy by any standard, and believe that Chase is denying me credit for a reason other than the XXXX they are communicating, or that the criteria they are using ( the number of credit cards I had open ) is outside of any behavior that would indicate that I am credit worthy. I have been opening and closing multiple credit cards per year, mostly with Chase, for over XXXX years, and this has never been a problem and has never negatively affected my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good Morning, I have been a Chase authorized user since for the past 13 years, I first opened my Chase account when I was a XXXX in fact because I had heard amazing stories from my parents about their professionalism, and how they truly cater to those bankers in the neighborhood. One of the best features for me as I got older was Chase Quickpay. It was an amazing tool to use being that I left XXXX to go to college out of state and was able to receive / send money back to my family in XXXX. As I 've gotten older it 's become even more beneficial as I have relocated from my hometown and use the function to send money to my family. Chase had this wonderful option which made me feel safe and secure that if for some reason I typed out an incorrect address or phone number I had a grace period where I can cancel the transaction, and the money would not be deposited into said account. I do n't know who is responsible for the decision making at Chase, but whoever thought it was a great idea to REMOVE that option and AUTOMATICALLY deposit the money into the 2nd parties account, really messed up. I sent a quickpay for {$740.00} to an incorrect address, I noticed immediately it was an incorrect address and notified chase as quick as possible. They said it would take about 3-5 business days to get a response or action on my claim and to keep my eyes peeled to my email address. The 3-5 business days had passed and I 'd yet to hear any thing back from the Bank, I called them myself to follow up and they informed me they would re-file my claim and get back to me. It has been a total of ( 17 ) days since I first filed the claim and I have yet to receive any type of follow up. I called Chase this morning only to be told that " Oh, well if you have n't heard anything back that means we ca n't help you, we do not have any Quickpay protection it 's up to the consumer to make the right decision. '' Seriously? That is the response I get? After waiting this entire time it took that gentleman 2 seconds to tell me this while the rest of the company has had me in Limbo? How can this be? How can you DELETE a function that protects your VALUED customers and then when an issue arises basically kick them to the curb and inform them that sorry, your money is n't our concern? How is this possible? I just want the situation rectified, I have complied with all of Chase 's demands and needs pertaining to this matter and yet there is nothing they can do at all to rectify the situation? How do you not plan for this or have a system in place to protect your customers. It 's crazy that after years of banking with them everything I thought Chase stood for it is actually the opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Opened a credit card account in XX/XX/XXXX. Interest rate was 9.9 %. XXXX XXXX payment due date was XXXX/XXXX/XXXX. XXXX XXXX statement did not show any increase in minimum payment. I made my XXXX XXXX payment and when I received the XXXX XXXX statement, the minimum payment jumped to XXXX with no significant purchases made during XXXX XXXX. After scrutinizing the XXXX XXXX statement, I noticed a late fee payment and also a change in my interest rate from 9.99 to 29.99 %. I immediately called this credit company and they said that my payment that was due on XXXX/XXXX/XXXX was late and that they did not receive it until XXXX/XXXX/XXXX. I could not believe what I was hearing especially since the holidays could have slowed the mailing process. They were very negative about my complaint and said that their policy stated that they had every right to do what they did. I have sent letters pleading with no avail. In XXXX XXXX statement which was due in XXXX XXXX, XXXX was not paid and in my letters, I stated that if no consideration would be given to my account, that they would not see a dime from me. I had a balance of about $ XXXX and I believe the balance is now up to XXXX or XXXX ( with all the late fees and other fees ). I have a credit score of XXXX and I applied for a VA home loan and was turned down because of the collection that is still on my credit report. The VA finance recommended that I get in contact with your company and maybe you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/2016 and XX/XX/2016 I was ammassed over XXXX dollars in overdraft fees. 
Because of the banks decision to sequence the transactions in such a fashion that instead of having a balance of just under XXXX dollars I was charged with XXXX overdraft charges even though deposits were made to cover and shortfall I have made frequent attempts to rectify this matter with chase bank with out a positive response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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 live in New York and pursuant to New York State law, campaign contributions and expenditures for those seeking elective office must generally be reported in detail to the New York State XXXX XXXX XXXX. 
I attempted last week to open a campaign finance account at Chase for an upcoming local election. I provided registration information in the form of campaign finance forms showing that the candidate had registered with the New York XXXX XXXX XXXX XXXX and taxpayer id information showing that the entity had been registered with IRS. The bank was chosen because the Treasurer personally has accounts there and uses both a suburban branch and a XXXX branch. The campaign finance treasurer is well known by the bank branch, having conducting substantial business over the years. Her integrity is not in question. I will have signature authority over the account as well and I also have personal accounts at Chase. The candidate would have no signatory authority over the account. 
CHASE declined to open a campaign finance account. I protested this decision, pointing out that it was part of the bank 's CRA responsibilities to provide services required by the community. XXXX candidates need to be able to have depository accounts in order to comply with New York State XXXX. I asked to speak with a CRA representative but the branch manager said there was none to whom they could refer me. I have filed a complaint with the bank and told the branch manager that I am filing this complaint with you. Several years ago, I had this same problem with XXXX XXXX XXXX Bank who initially said " no '' to an account but changed its mind pursuant to its CRA responsibilities. 
The Chase branch manager stated that they did not want to provide a campaign finance account to a single candidate because she was concerned that it would appear that they would be favoring this candidate. This rationale might make sense if the candidate was seeking a loan or a contribution. But all that is requested is a simple checking account. 
I am looking for relief in the form of a CRA policy that requires banks and bank branches operating in New York to provide the depository/checking accounts that are required for candidates to run for elective office. This campaign finance activity is a very fundamental activity of our democracy and federally chartered financial institutions must provide the services needed by the community members to run for elective office. 
I would greatly appreciate speedy resolution. Other banks in the area have also declined to establish such accounts. Until a depository is identified, this campaign can not deposit checks nor pay vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am first time home buyer. I bought a short sale house from JP Morgan Chase. Seller 's property disclosure document ( Exhibit A ) provided false information. These issues were not found during inspection such as termites, Basement leak, Roof leak and dead trees in the premise. Buyer is interested to know what is recourse for the false disclosure made in the agreement. Buyer spent {$1800.00} for removing the dead trees alone. Buyer expects to compensate the monetary loss incurred by the buyer for fixing the issues. Attached pictures for evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Credit Card Services is charging me interesting on a charge which is in dispute and being investigated by their disputes department. 

Last month I was charged {$25.00} of interest and this is impacting my FICO score.

Company response to consumer: Closed with explanation