vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase XXXX XXXX XXXX offered a Rewards special over the XXXX XXXX in which they would offer XXXX 's reward points for home improvement purchases within a specific time period for up to {$10000.00}. I made home improvement purchases within the specified time period as follows : {$220000.00} on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, {$2100.00} on XXXX/XXXX/XXXX, {$4300.00} XXXX/XXXX/XXXX. The purchases for XXXX and XXXX are concert work and I used convenience checks. I was told because I used convenience checks they did n't qualify after the purchases were made. There were no disclosure telling me this prior to use or I would have just used my card to earn the points. My statement also says a cash adv. was taken during the month of XXXX statement, for {$340.00} and I was charged {$4.00} in interest and {$430.00} on XXXX/XXXX/XXXX. I never taken a cash advance on any card! The purchase of XXXX on XXXX was made with via credit card over the phone. The purchase of XXXX and XXXX were made via convenience check and immediately paid off that same month. After the appropriate reward point credits did n't appear on my account after 6-8 weeks I called Chase ( approximately XXXX XXXX. ) and the Rep. stated the purchases should have qualified and she was n't sure why they were n't credited but that she thought the promo was only for XXXX points ( this is inaccurate ). She stated she would forward my account to the Reward team for research. I think received a letter a week or XXXX later stating the purchases did n't qualify. I am very upset as concrete work on my garage floor and exterior painting are certainly home improvement purchases. I feel like the reward advertising is deceptive and abusive as I specifically used my card for these purchases to earn the promised points, to no avail. Had I not been offered this reward promotion I would have just paid cash or used another reward card. I am also upset as there is not a means to see itemized point application for the rewards earned. It makes it nearly impossible to tell if Chase is awarding the appropriate points for each qualifying purchase. I would like my account credited for the improper fees I was charged and the points I am due for my purchases that qualified per the advertisement. This is my top of wallet card, if my account is not made whole I will be cancelling my card and switching to a competitor. I am very disappointed in Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Situation : I have has couple of Chase bank accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted Chase bank on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then Chase bank will collections called me, I explained the situation they noted the account. Then they sold the debt to XXXX, who seems to be very aggressive. Tried to sue me for all the accounts from Chase. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland XXXX started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then XXXX places to other bureaus. Then I need to complain there and get it removed. XXXX XXXX is like XXXX, once XXXX portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw XXXX only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the one that they are actively reporting after 6 months of re-investigation with no results : 1 ) Balance was positive XXXX 2 ) Charges were XXXX 3 ) In the end i was owning Chase bank XXXX 4 ) XXXX reports and demands for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Requested mortgage assistance options in XXXX 2015. I am in XXXX Bankruptcy. My Bankruptcy attorney received a letter on XXXX requesting all the information I had previously provided. I contacted the lender, Chase, on XXXX occasions by fax and email the same day I received the letter from my attorney. I received XXXX letters from Chase with XXXX subsequent date commitments to respond that were pushed out each letter. The last date has come and gone, so I called and emailed the Chase representative and have still not received a response. I am 19 months behind on my mortgage and not living in the house, nor can I pay the mortgage. I am willing to relinquish the home, conduct a short sale, or complete a foreclosure. I need the house disposed from my assets before the XXXX is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My loan was sold without notice I found out the day before the effective date! I get my Documents online but was never notified in that method and have not seen any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account without notifying me or telling me why

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: VANGUARD FUNDING LLC
State: NJ

Complaint narrative:
At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase Credit card was 'charged off ' after Chase refused to allow me to make affordable payments or settle the balance after going through a horrible divorce. Then, without my knowledge the charged off debt was sold to a zombie entity that NEVER contacted me. In XX/XX/XXXX, one evening after arriving home from work, the Sheriff 's Dept showed up at my door with an order to seize my only asset, my XX/XX/XXXX XXXX! After trying to understand what the deputies were telling me through my hysteria, they apologized for what they felt should be illegal and told me to call an attorney ASAP! When I contacted the 'zombie company, whose contact info was on the order, they wanted me to pay them {$9000.00} on what was originally a {$3000.00} credit card debt! And so began an EXTREMELY STRESSFUL and expensive journey to retrieve my only means of transportation to and from work. The law firm that I retained had never seen anything like what had happened to me. All the documents had been inaccurately electronically filed by the zombie company, but went through the XXXX anyway. This ordeal has caused my health to suffer as well as my financial well-being. I was forced to immediately file bankruptcy, and am still struggling to recover from the whole ordeal. I am hoping that I might qualify for a refund for the unfair and VERY deceptive practices of Chase!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Century First Credit Solutions
State: NY

Complaint narrative:
the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me the runaround as to returning my money. i believe that this company is a fraud and should be reported and penalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 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 Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just learned today that Chase is closing the bank account of the XXXX XXXX XXXX ( XXXX ) after we had been with them over 12 years. They did not close my other XXXX accounts, XXXX of which is the XXXX XXXX XXXX XXXX of XXXX XXXX. 

They refuse to tell me why they closed the account saying and I quote the person I spoke with a XXXX XXXX XXXX : " We have the right to not give out the information on why we are closing your account. We have conducted a review of each and every account and have found that somehow we find risk and it is our right not to tell you what that risk is. The decision made by entire Chase company. I did not make the decision. We can not tell you who in Chase made the decision to close your account. '' We do not sell, distribute or in any was deal with XXXX itself. We are an XXXX patient support group and law reform organization that works within the legal and political system to end XXXX prohibition. 

Chase Bank seems to believe they have the right to deny financial services to a person because they disagree with their political position on a legal issue. I wonder if a federally chartered bank can deny financial services for that reason. They could not do it for race, ethnicity or religion. Is this a free speech violation of the first amendment for a federally chartered bank to do this? 

I am not the only XXXX to have this happen. XXXX had all its credit card processing accounts closed for the same reason last week. 

The question is why are so many financial institutions doing this as we are doing nothing illegal. Is this their own decision to undermine us or is some backroom power ( law enforcement? XXXX? ) putting pressure on them to pull the financial rug out from under the XXXX movement?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am opening up a second complaint against Chase because they corrected an error with an error. I have called, faxed and sent, via, USPS my dispute with no resolution. Attached is the communication I sent Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I 've disputed this information with Equifax for over a year and have proven to them time and time again that these items do not belong on my credit report and all I receive is a statement saying that these have been verified. 
I am complaining for 2 reason : # 1 both of these bankruptcies are obsolete and are past the statute of limitations. The bankruptcy ending in XXXX was filed XX/XX/XXXX and is a chapter XXXX which means that it can only stay on my credit file for up to 7 years and should have been off XX/XX/XXXX! They continue to send statement after statement saying " has been verified ''. Not only is it obsolete, but I know for a fact that it has not been legally verified. The bankruptcy ending in XXXX was filed XX/XX/XXXX which means that it should have come off XX/XX/XXXX! Why are these still on my credit file??? 
# 2 I do n't care what they try to prove is on my credit report - everywhere that i pull my credit and my creditors pull it, they see this invalid information. They can try to reconstruct it to suit their need to keep it on there but they are in violation of the FCRA section 1681. I also require that they send me the physical petition that shows this invalid information. That is the only legal form of verification and they are refusing to send it although I am allowed to review these docs myself under section 609! 
Please see my letter that I have attached as well as the credit report which proves that they are reporting invalid information. See page 5 for public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase contacted a family member through a phone number listed on my XXXX account. Chase claimed the number is on file in my account information that 's a lie. I asked Chase how they acquired the phone number and the woman said we did n't do anything illegal. " That number is listed on your account file ''. That number has always been used by my brother. Chase obtained that number through deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In early XX/XX/2016, I tried logging into my Chase Bank credit card account. I was notified that my email address had been changed, and was asked if it was me. I was not notified of this until I tried to log into my account. I changed the email address back to my actual one and was able to log in. At that time I saw that a Chase Amazon card had been issued in my name, that I never requested. I also saw that there were 4 fraudulent charges on my Chase Sapphire credit card, all small charges to Amazon digital services. I spoke to Chase 's fraud department -- they took off the charges, and closed the fraudulent Chase Amazon credit card. I put a 90 day fraud alert on my credit report. However, I just learned last night, after deciding to reinitiate the 90 day fraud alert for my safety, that there have been TWO more hard inquiries on my credit report, all from Chase Bank. One in XX/XX/2016, and one in XX/XX/2016. How did this happen, if I have a fraud alert on my credit reports? I was never notified by Chase, I was never called by anyone. And yet, two more hard credit inquires from Chase Bank on my credit report, thereby negatively affecting my credit score. I called Chase Bank, spoke yet again to the fraud department. I found out that the two latest inquiries were also for Amazon credit cards. Chase did agree to contact the credit bureaus to remove the fraudulent inquiries, but in terms of any protection for me, could NOT explain why this happened in spite of the active 90 day fraud alert with all XXXX credit reporting agencies, NOR could they offer me any additional protection from having new accounts inquiries or cards with Chase. When I asked specifically what other layers of protection Chase could offer, such as freezing my account so that no more inquiries would be allowed, or needing additional information from a person if they try to apply for an account ... they offered nothing. Just reading from written materials to me, the same thing I 've heard before about putting a fraud alert on my account. Which has not helped me AT ALL with Chase. Considering someone got into my Chase account and changed the email address, and I 'm not being notified when new inquiries are happening, in spite of a fraud alert being on my credit reports ... this certainly seems like an inside job, with Chase and perhaps with Amazon. When I asked to speak to a manager, someone higher up, I was denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I noticed that my student loans was not XXXX balanced on my credit report and they should be. I am going to attach the form that shows I owe nothing on my loans. I need the information corrected with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..

Company response to consumer: Closed with explanation