vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have been trying to resolve my Home equity line of credit for over 2 years now, and J.P. Morgan chase has done nothing but delay process and give me no type of resolution options of than paying the Loan back in full. 
the loan amount was for {$100000.00} and the only option they did recently give me is a Modification for 480 months paying {$380.00} which comes out to {$180000.00}. 
My household between my husband and myself is with SSI, and we are negative on a monthly basis. I already filed a Bankruptcy which at the time included this Line of credit but now I am being haunted by having to pay this and more to Chase. They already hold my first mortgage and now the Line of credit is being pursued for payment. 
I have borrowed money to try and settle the account with them but they keep declining the offers, please help me stay in my home, we are not well and can not handle the piracy tactics that chase is using against us. 
During my Bankruptcy from XX/XX/XXXX through XX/XX/XXXX I was still paying chase {$830.00} monthly which totaled {$50000.00}, Where has that money been applied to???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a chase bank account. I have noticed at least XXXX charges which are incorrect.XXXX charges which were actually payroll EFT`s on XXXX/XXXX/2016 and XXXX/XXXX/2016 were noted but were treated as a charge.I do have the check stubs on hand in pdf. format. Also a charge of XXXX which is listed as being from the Social Security Administration. However on contacting them I found out that they had no record of that charge. I also noted that at least XXXX payments to XXXX XXXX XXXX listed only as credit card payments have disappeared from both my online ledger and are not noted on my pdf. statement for that month of XXXX. I was apparently a victim of identity theft as there was a loan taken out in my name of XXXX dollars from lendup.com on XXXX/XXXX/2016 followed closely by the debit. Also it there are XXXX lines of transactions which merely state remote online deposit XXXX and then XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern, I am writing this about a check transaction I have had between XXXX and Chase bank. I currently have a saving and checking account at XXXX and in XX/XX/2017, I went to open a saving and checking account at Chase ( XXXX branch ). At the branch, I wrote a check to myself ( From XXXX Account # XXXX ) to myself at Chase ( Account # XXXX ) in the amount of {$1000.00}. The rep told me to use the mobile app to deposit the check and kept the physical check. I did the online deposit at the branch but later on the physical check got lost/stolen. The electronic check was deposited to chase on XX/XX/2017 and cleared from XXXX, there was only one transaction going out of my XXXX account on XX/XX/2017 for {$1000.00} and the same day Chase received the fund. On XX/XX/2017, Chase deducted {$1000.00} from my saving account stating the check has been processed more than once. I called Chase multiple times and was told the physical check was presented at another bank, which they would n't tell me the info and the physical check superseded the electronic check so Chase debited my account to cancel the deposit and told me to contact XXXX. I reached out to XXXX but was told the check was cleared only once to Chase on XX/XX/2017 and they had no record showing the same check got deposited the second time. I called Chase again and after a few hours and several agents, they told me the check was with Federal Reserve and asked me to call Federal Reserve and that is all the information they have. I called Federal Reserve on XX/XX/2017 and was told that they do n't work with individual customers, either XXXX or Chase need to reach out to Federal Reserve to investigate. I went back to both XXXX and Chase and both banks told me there is nothing they can do and they would n't reach out to Federal Reserve. So as of now, the {$1000.00} was taken out of my Chase account but was n't returned to XXXX account and I do n't know where the money went and who has it now. Neither bank would work with me any further and told me to go to the other bank instead. I was advised by an agent at Federal Reserve to file a complaint so this can be investigated. I attached the copy of the check, transaction summary from both bank accounts and the statement. Hope this helps and please let me know if there is further information I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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 have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The mortgagors fell behind on the mortgage because of a decrease in income and medical problems. The mortgagor 's income has increased and the medical problems are under control and they feel with the assistance from the lender, they would be able to manage the mortgage. The mortgagors submitted a modification package to the lender, but during the process a foreclosure letter was issued. The mortgagors have been in constant communication with the lender and are not sure why the file was referred out for foreclosure and would appreciate any assistance to stop the pending foreclosure allowing them to continue making their payments and keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding the XXXX XXXX Credit Card that is issued by Chase Bank. The XXXX Credit Card offers a 1 % cash rebate that is earned on all purchases ( except for purchases from non-XXXX gasoline sellers XXXX. The rebate is credited to the account by reducing the cost of subsequent XXXX gasoline purchases using the credit card. However, XXXX gasoline stations do n't exist any more. XXXX gasoline was sold to XXXX several months ago and the XXXX Credit Card rebates expire after XXXX year from the time that they are earned. Therefore, there is n't any way for me to collect my XXXX Credit Card rebates as the accrued rebates expire over time. I have bought this issue to the attention of Chase Bank on XXXX XXXX, 2015. XXXX credit card account supervisor at Chase Bank claimed that the rebates that appear on the XXXX statement only will be carried over to another credit card ( the Chase Freedom Credit Card ) but that the rebates that expired from XXXX 2015 will not be carried forward. ( Earlier that same day, another Chase Bank account supervisor told me that no rebates will be carried forward. ) I suspect that there many XXXX of other customers that have the same problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have power of attorney and am a co-signer on my mother 's checking and savings account. My mother gets a monthly dividend check, I have always deposited these checks in person to my mother 's account, the check is made out to her. I never had a problem in XXXX, XXXX or XXXX XXXX until I moved to XXXX, XXXX. The Asst Mgr of the XXXX, XXXX, XXXX branch said that I could n't do this. When I told him I had been doing it for years, he adamantly said no, you ca n't do this. No adequate explanation was given. ( I believe his name is XXXX XXXX ) When I said I could go across the street and do this and made one more attempt by asking him to look up the history of deposits. My mother is in assisted living and ca n't easily go to the bank. He then said okay, I asked why he could grant it then, and why could n't he grant it before? Again, I am a co-signer and also have power of attorney on record with Chase. 

I had this savings account up for my mother for this very reason, now they 're telling me I ca n't deposit any moneys into my mother 's account, even though I have power of attorney and am a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
There was a charge of {$19.00} to my account without my permission or knowledge. I called to dispute it and request they return my money as they unethically did not notify me before the charge and was not even the amounts vof the monthly service that I had previously cancelled. The representative stated that they were " processing fees '' and valid. I requested a supervisor and she refused. I have since had to freeze my account get a new debit card that I had to pay extra {$20.00} for shipping to get my debit card. Not to mention my credit score has dropped by XXXX points since I started using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My credit card was used to make unauthorized purchases after I had used it to purchase tickets to a XXXX using my cell phone. I purchased them on line at XXXX at XXXX EDT then starting at XXXX EDT I received notification of the unauthorized charges of {$10.00} at XXXX see attached schedule of unauthorized transactions. I called my credit card company to report these unauthorized charges and cancelled this credit card. 
___________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX, I received a telephone call from a Chase customer service representative named XXXX ( # XXXX ) concerning a vehicle that has been charged off/ written off by J.P. Morgan Chase on XX/XX/XXXX. The customer service agent was told over the phone that I was XXXX and under medication. The customer service agent said that the call was being recorded ( but did not obtain my permission ). Although I explained to the customer service agent that I was under medication and was not mentall well, he repeatedly kept saying that he was going to call me and tired to get me to say the word " refuse to pay. " This is very rude and unprofessional behavior. This customer service representative was not concerned about my XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage ( who services my XXXX-owned loan ) advised me they no longer accept bi-weekly payments, and that I 'd have to use a 3rd party, who will charge me about {$250.00} to set this up. This is outrageous. Where else in America can ANY creditor refuse to accept an early payment, and refuse to give you the interest savings? The answer is nowhere. They told me they 'd hold my bi-weekly until the second payment arrives, as they wo n't credit partial payments. I assume they do this with the law allowing it, so PLEASE pass this on to the Congress and ask that, as the CFPB, Congress change the law to stop this ridiculous fleecing of the average American! If they will take a bi-weekly payment from an intermediary/3rd party, the banks should be MADE to accept these directly from the mortgagee!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
dispute has been ongoing for more than 14 months

Company response to consumer: Closed with explanation