vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX 2011 my purse was stolen out of my car and was reported to the police along with all my financial institutes. My credit went from XXXX to XXXX due to several bank issues one was mainly Chase bank. There was a $ XXXX charge that was in dispute that was note by chase as a failure to pay. After months of them not doing anything I paid the amount. They refuse to take all the late marks off my account along with posting that it was a write off and it was not. They are also refusing me any line of credit due to my credit score which was no fault of mine. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
In XXXX 2016 I made a {$500.00} down payment to XXXX in XXXX colorado, to hold the item until I could travel there to complete the purchase. I gave them my Chase Credit card number over the phone to submit the down payment. That process apparently stimulated some sort of security alert with Chase and the payment was blocked. What ended up happening was several {$500.00} charges were made to the card. They made several attempts to run the card. I called Chase and ok 'd the {$500.00} for the down payment. I decided not to travel to complete the purchase and started the process of getting the charge reversed. It has been a very difficult time dealing with Chase on this matter. I thought the matter was resolved and closed the account and have no intention of doing business with them again. Last week they mailed me a notice they have charged my closed card account {$500.00} relative to the matter with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: MA

Complaint narrative:
Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: MD

Complaint narrative:
Back in XX/XX/XXXX I consolidated my student loans ( Stafford ) with Nelnet so that I could begin payments towards the 10 year/120 payment loan forgiveness option that exists for public servants. When consolidating, I asked Nelnet if these loans were in the correct category for the 10 year loan forgiveness and was informed that they are/were. I have made regular payments since this time based on this. When I returned from service with the military in XX/XX/XXXX I contacted Nelnet to inquire into how many more payments would be needed. I was informed that around {$100000.00} were not in the correct type of repayment method. I would like for the CFPB to look into these practices to determine if either it was a mistake by Nelnet or if it is a fraudulent practice. If it is a mistake, I would like to get my loan payments back on track so that the loan forgiveness can take place in 2-3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is inconsistently reporting XXXX student loan accounts on all XXXX of my consumer credit reports for account # XXXX. Each report shows a different " status. '' These loans were sold or transferred and are now consolidated. I demand that Nelnet deletes these XXXX negative accounts. I do not have a balance with this company, so I do not understand why they are reporting that my current status is 120 days past due. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Chase JPMorgan needs to correct any late notices on cc due to they were the ones to delay and failed to cooperate. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
earlier this month my debit card was stolen and somehow my entire bank account gets depleted right after recieving my check. I spoke to the bank on the phone and they told me they would be refunding my money back to my account. Well here comes the end of the month and Chase reverses there refund. So im back to negative in my bank. Im not sure why they would reverese the claik after telling me that everything would be alright. Late payments means im behind my rent and i need the matter resolved. I never claimed that i made those charges like chase claims i did. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

In or about XXXX, 2014, I received a check in the mail for {$65.00} from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that " During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apologize and have enclosed a check for {$65.00} as compensation. " As I was suspicious, I called Chase to confirm the legitimacy of the check and to find out what it was for. I was XXXX told to write to chase with my request, which I did. I have spoken with Chase numerous times since then and still no one has explained to me what that compensation is for except to say that I was charged a fee that I should not have been charges and this was a refund. 
The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX has received assignment of the note while it was in default. This makes them a third party debt collector. XXXX used XXXX management to service the Loan. I informed them of my rights and protection under the Fair debt collection Practices act by certified mail. XXXX continued to try to collect on this note even though they were sent notices to cease and desist. XXXX has filed action in court to foreclose on XX/XX/XXXX. I have no lawful binding contract with XXXX. The loan was in default on XX/XX/XXXX, XXXX was assigned the note on XX/XX/XXXX. I have sent notices to the previous servicer XXXX and they stop their attempts and sold the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have lived in my house sine 1976. I owe less than {$5000.00}, ( my house is worth more than {$100.00} ) how ever CHASE BANK has refused to give me a home equity loan for XXXX for a new roof. I make my payments on time now that I am receiving compensation from the VA, plus my social security. My payments are XXXX per month. The XXXX is here and I have to put buckets around my house everytime it rains even a little bit. I am afraid for my wife or myself and we will have a catastrophic fall. we are both over XXXX years of age. A fall would ruin our " GOLDEN YEARS ". please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My husband and I lost our jobs in XXXX, 2011 when our company 's contract was not renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Mortgage : I was behind 2 mortgage payments. Chase recommended a loan modification. After 6 months, and request after request for documents, we were denied. The reason : the home is not our primary residence. We have a USDA backed loan. USDA loans are not eligible for modification if it is not your primary residence. This is a fact that was discussed with Chase from the very first conversation concerning the modification, yet they still allowed us to go through the process. So, Chase had us go through a loan modification we were never eligible for to begin with. This has resulted in thousands of dollars in foreclosure fees and late fees and has ruined our credit. Other bad practices by Chase : they returned a check for payment on the mortgage as it would opt us out of the modification, they lost over {$2000.00} of our money for nearly 2 months following payment, in full, of a reinstatement quote to bring the mortgage current following the failed modification, they refused to speak to me when I asked to escalate the issue of 2 late payments as a result of them losing the money, failure to explain withdrawals from my escrow account in the amount of {$200.00} and {$720.00}, I could go on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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: MA

Complaint narrative:
A few days after we made a first and full payment of a parent plus loan we were notified that we qualified for Total XXXX forgiveness. We immediately called up nelnet and they expclitly told us that even though we just paid it off we would be refunded if we qualified. After a few months we contacted them to check status and found out that we did qualify. However, because the account had been closed they were n't able to systematically do a refund and suggest we contact my XXXX XXXX. My XXXX XXXX tried to help but eventually gave up. Nelnet has yet to follow up with us but basically told us they did n't know what to do. The loan amount was around XXXX and we could really use that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase saphire card has been compromised and there is delay in receiving the card when I inquired about them they put me through secuirty team after a wait of 60 mins and spoke to a security team manager named XXXX ''. I complained to him that his previous agent did n't handle the call well and I was wondering about the new card but he does n't seems to be caring about my complaint and did n't offer any good will gesture. My card arrived next day and I could n't activate the card when I called them again they put to the security team again after 30 mins wait time. Unfortunately I again need to speak with XXXX '' and said that my card got compromised again which is unbelievable. When I pressed for more answers I did n't get any convincing answers. Could somebody investigate why my account got compromised twice and second time I did n't even got my card. 

I almost wasted 3 to 4 hours on phone to deal with this issue. It should have just 5 to 10 mins I need some compensation for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 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:
I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT AND I WAS TOLD THAT THEY WOULD BE REMOVED BECAUSE IT WAS DONE IN ERROR AND SO FAIR THE HARD INQUIRES ARE STILL THERE HURTING MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.

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

Complaint narrative:
I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a mortgage for approximately 15 years. Originally, the loan was with XXXX XXXX who sold it to XXXX who sold it to Chase. I have never missed a payment and have never been late with a payment. The problem started with the purchase by Chase. Suddenly, I was receiving a double bill each month with differing due dates. I became so confused by Chase 's billing procedures that I actually made an extra payment one month ( which was never acknowledged, or refunded ). It is my contention-and accusation-that Chase is deliberately spreading a smoke screen with its computer-generated billing system. They will gladly XXXX an extra payment or two our of the consumer, but no mention is ever made about the consumer having overpaid his mortgage. I charge that Chase is deliberately using their computer-generated payment notices to fleece their customers by enticing/extorting them to pay premiums in advance without acknowledging either the early payment or the extra payment the consumer is encouraged to make. You-the Florida Office of Financial Regulation-should be ashamed to allow and be a complicent partner to this fleecing of the consumer by Chase Bank. I eagerly await your reply and solution to the corporate malfeasance by Chase Bank. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase amazon offered a promo of spend {$150.00} on prime day ( XXXX/XXXX/16 ) and get {$30.00} off your purchase. When i went to checkout the promo code ( XXXX ) indicated the code had expired. I contacted chase and they indicated that amazon had given them notice that they have done enough promotions for the day and would not be doing any more. They indicated this was listed in the terms and conditions as " while supplies last. '' I indicated this is extremely deceptive as while supplies last indicates goods or services and not a count of promotions that would be offered. They would not honor the promotion and I was not able to make the purchase in time due to the code being expired.

Company response to consumer: Closed with explanation