vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My accounts both bank and credit card have been closed by Chase without giving any reason. This has happened to my daughter as well. Most recently I was approved for a credit card and within 10 days the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XXXX XXXX, 2015, I submitted a credit application for XXXX credit cards, including the Chase XXXX Preferred card and the Chase XXXX card. I am a long standing customer of Chase Bank and have a previous lending relationship with the company. Upon submission of my applications, Chase Bank declined the Chase XXXX card, but approved the Chase XXXX XXXX XXXX Card. Subsequently, I called the Chase Lending Services phone line and was informed that Chase Bank employs a policy whereby Chase does not approve consumers who have opened XXXX or more credit cards within the past 24 months. However, please note that I was in fact approved for the Chase XXXX XXXX XXXX Card, which would violate the policy stated by the representative. I asked the representative where the policy was advertised during the application process and he advised that it is not disclosed. Furthermore, he said this policy decision is not a reflection of my credit worthiness or existing relationship with the bank. I expressed my concerns that this policy is not advertised during the application process. Chase is running a hard credit inquiry, which affects my credit score. Instead, they could just disclose during the application process that the XXXXcard policy exists and would eliminate a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
( 1 ) Could you investigate the Chase 's mortgage accounting book? We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest in XXXX and XXXX while they should have paid ~ {$9900.00} and XXXX {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole XXXX {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; ( d ) interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank will not accept my payment on my safe deposit box in their XXXX Branch in XXXX XXXX, which I have submitted twice through Chase online bill pay and now are charging a late fee for nonpayment. 
The box is located in XXXX XXXX but as I now live two hours away in XXXX I have paid online twice. 

1st I sent the payment through chase online bill pay to the same address I 'd used before and where it had been accepted previously. That check was returned as they claimed they had no account. 

I next talked to customer service who directed me to send it to a 2d address and assured I would not be charged a late fee. So paid again through the chase online bill payer but to the address given by customer service but the check was again credited back to my account as not accepted. 

I called customer service again and was told to pay directly to my XXXX branch where the account was located. I Received a bill with a late fee so called that branch and was told they could not accept the payment either mailed or online as would have no way to credit it properly. 

So again I called customer service and spoke to a representative who knew nothing and then a supervisor who told me the only way to pay it was to either drive to the XXXX Branch ( which already said they would not accept the payment and would have no way to credit it ) or to an XXXX Branch in XXXX, an hour away from me. Based on my conversations with the branch this information is incorrect also and it will be a wasted trip. 

So, I now have an overdue bill and late fee and no way to pay this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. 

I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 

1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 

2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 

3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 

4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I received a Chase mobile text stating I was below my normal funds. I went into my banking branch at XXXX XXXX XXXX where I presented both my id and debit card. I wrote and signed affidavits for unauthorized signature or transaction papers for amounts totaling XXXX. The bank allowed the thiefs to make XXXX different transactions at XXXX different banks in one day. And not once contacted me about this irregular activity on my account. Th

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In XXXX XXXX I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to {$83.00}. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes XXXX or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was XXXX XXXX. 

In XXXX 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after. 
On my XXXX statement due XXXX I owed XXXX and had XXXX past due with a XXXX late fee. XXXX was paid on XXXX. On my XXXX statement due XXXX it was the same thing, XXXX due and XXXX past due with an XXXX late fee and XXXX was paid on XXXX. In XXXX I received XXXX statements from Chase. The first was dated XXXX due XXXX which I owed {$1000.00} with {$2000.00} past due. XXXX which I assume was because the XXXX payment was late ). On XXXX I received a revised statement stating that {$1000.00} was due on XXXX and XXXX was past due, so the XXXX payment was credited and I was again XXXX payment behind. My XXXX payment was made on XXXX for XXXX but was not processed until XXXX. That payment was returned NSF due to a XXXX reconciliation error. Still at this point I should have been behind only XXXX payments and my XXXX payment was due. XXXX XXXX was the maturity date on my modification and the {$660.00} that I had occrued should have been payable by Chase as I was less than XXXX payments late because I had paid extra on many payments to catch up with the XXXX and make a full payment.. Chase sold the mortgage to XXXX who claims that I have XXXX in suspense. Chase will not credit me my the {$660.00}. Another payment was made to Chase in XXXX XXXX it was late but made XXXX for {$1100.00} and my XXXX and the returned payment have been sent XXXX. And all that should be due is the original late payment and my current payment. 

I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that {$660.00} with the balance I have in suspense to make up the missed payment. Plus I am unsure what the {$260.00} charge is from XXXX and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation