vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
We rescinded a refinance loan with JP Morgan Chase Bank. Chase refuses to refund us our good faith fee for the appraisal. The money was pulled from my Chase Credit Card without my permission. I 've sent emails requesting a refund per the rescission guidelines but I am getting no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I believe I am victim of Mortgage Fraud. Please provide me with the documents listed below to verify your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried to use my chase credit card to purchase XXXX tkts in XXXX from XXXX tkts and my cc was denied. In fact most chase cc holders were denied due to a glitch in chase bank system. Chase is aware of it and are not willing to help their customers for their mistake. I will not bank at chase due to their lack of responsibility to fix their mistake. I do n't think a dishonest bank should be allowed to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Credit card has a new rule called XX/XX/XXXX. Any credit card applicant is only approved if he/she has less than XXXX inquire on his credit report within the last 2 years. This is hindering competition for the consumer. Consumer is not able to shop around any longer, so the bank is starting to building a price cartel with the information within the credit report. I am ok that Chase Bank uses my credit information to check my credit worthiness ( about XXXX fico score ) but not ok to hinder competition. 
Within case my application number is XXXX regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: Brightwater Capital, LLC
State: FL

Complaint narrative:
BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me

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

Complaint narrative:
At the end of XXXX and beginning of XXXX I was victim to someone fraudulently using my credit card on my XXXX account. There were XXXX transactions : XXXX for {$470.00}, XXXX for {$480.00} and XXXX for {$510.00}. These were all associated with XXXX however I have never put this account into my XXXX. I did not make any of these purchases nor have I received any good for these purchases. These vendors are unknown to me and I do not know what they are for. I submitted the paperwork for my dispute on XXXX/XXXX/2015 after reviewing my statement and noticing these fraudulent transactions. I had received a credit on XXXX/XXXX/2015 but on Friday XXXX/XXXX/2015 it was reversed. I received no communications or explanations for this reversal and no one in the customer service line has been able to help me. I have set alerts on my account to email me of any suspicious activity and have cancelled my debit card since I seldom use it anyway. 
on XXXX i received a call back from chase XXXX was advised that they could not help me further and they received enough evidence. If i had any further question to contact XXXX. 
I was given the following XXXX transactions to research. XXXX, XXXX, and XXXX speaking with XXXX I found out the following. 
1. These transactions were not made on my account, my account is XXXXXXXXXXXX and has been open for several years, the transaction were made on an account XXXXXXXXXXXX which was created on XXXX/XXXX/15 the day before the first fraudulent transaction. 
2. The transaction have no associated tracking numbers of any products that have been shipped. 
3. The fraudulent user id noted above of XXXXXXXXXXXX has been suspended for fraudulent activity4. XXXX says they recognize as fraudulent and as such have sent the money back to chase. 
I am left puzzled at this point if XXXX says that the transactions are fraudulent, and the money has been sent back to chase. Why then have the transaction not been reversed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX 2015, the student loan servicer lost my documentation to support a new payment plan. I have an email that was sent to them with the documentation, my social security number, and name which was what the associate said was needed to submit the documentation. In XXXX 2015, after 2 months, I was notified of the missing documention in XXXX 2015 the agent told me if I made a payment my loans would be current and my credit would n't be affected, so I made a payment. Now knowing better I checked five weeks later, my repayment plan had still not been processed, so I had to make another payment to keep my loans ( what I thought was ) current. The following month I checked again and my payment plan was in place, I set up auto pay and did n't think of it again until I applied for a mortgage and was surprised to find that in XXXX 2015 I was reported 120 days late on XXXX separate accounts seriously affecting my ability to secure a mortgage. I called the servicer to file a credit complaint and was told that it appeared a payment was processed incorrectly and that the department is not reachable by phone and this matter would take 7 to 10 days. When I called 7 days later I was told this was still in process and they would contact me for a resolution. When I called to check on the progress at 10 days I was told that I was misinformed and that these claims take a full 30 days. I was also told that there was nothing I could do to dispute the misinformation I was given. I asked to speak to a supervisor, who advised me that I could not contact the resolution department, that I could not move my loans to another servicer and that I would be forced to wait as this situation appeared to be due to my fault for not paying from XX/XX/XXXX to XX/XX/XXXX ( still not 120 days past due ). I asked to speak to a supervisor again and was told that I could not speak with anyone else and that he would submit my case as a teaching tool for other associates to assure the misinformation was corrected. I received an email that a complaint was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I checked my credit report to find an unauthorized inquiry from chase auto in 2015. I received a letter in 2015 stating it will be removed. I also know this issue should have been cleared last year. I have a copy of the response from chase auto provided to me saying this error would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my checking account with Chase Bank was the subject of fraud. Chase alerted me to the issue via text on the night of XX/XX/XXXX. I called the fraud hotline to have me debit card frozen and the report XXXX additional transactions I did not make. On Monday XX/XX/XXXX Chase removed XXXX charge that was not authorized from my account and reimbursed XXXX of the remaining fraudulent charges. They have refused to refund the remaining XXXX charges claiming they were not part of the fraud. As all XXXX interactions I 've had with Chase have been on the phone I have no documentation and when I requested written documentation from Chase they have refused to provide it. Their refusal to provide written documentation and the obvious outsourcing of the Fraud Center is concerning. If a large bank refused to help protect the consumer after a fraud breach it makes it very difficult to deal with the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My loan started at 6 % and now it is at 10 %. I think the interest is predatory and keeps me in debt. I want all of the interest remove since was raised to % 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a Chase Saphire Credit Card on line and included the amount I wanted to transfer from another card. I received a call verifying that I had applied and once the caller identified me and ensured I was the applicant, they told me I was qualified for the card. I was never told the credit limit and since I had indicated the amount I wished to transfer, I did not ask. I received a letter a week or so later stating that around XXXX % of the amount requested had been transfered and that the credit limit was about XXXX % of the total of the amount requested. I called to ask them to reverse the transfer and delete my ever having had this card as I know that any application for credit is shown on your credit history. I also asked why I was not told about the amount of the transfer and credit limit. I was asked if I was told this information and I said no and they told me they would have to look into the matter. In the meantime, my credit rating has dropped almost XXXX points from excellent to fair as a result of the new credit card. I have had excellent credit for a decade having restored it myself from a lesser rating. I have never reneged on my debts nor do I intend to now. I simply wanted to reduce the amount I pay in interest each month so I can pay this debt off more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MILEND, INC.
State: GA

Complaint narrative:
I contacted Milend Inc. to ask about the current interest rates they offer on mortgage loans. The individual I spoke with had taken information in order to give me an " accurate quote '' on interest rates. After several weeks I receive a letter from Milend informing me that an application for a mortgage loan has been applied. I never made any intent to pursue anything including an application or loan with the company. I specifically mentioned that I only want to know the current interest rates provided by Milend at the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Credit card solicitation to MINORS by AIRLINEs thru their Frequent Flyer programs. 
I complained to XXXX and XXXX, but than had to file a complaint to CFPA, and now those have stopped ( I think? ), but other airlines are doing the same. They should verify the AGE, before making these postal mail attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I used my Chase Bank Credit Card and thought I was charging a {$500.00} retainer fee to XXXX XXXX XXXX XXXX XXXX. What I did not know was XXXX charged a total of {$1500.00} against my charge. XXXX did not represent me in a legal way and was totally corrupt. See the following : 1. Ineffective Counsel, Legal Malpractice, Failed to Render Professional Services with Skill, Prudence, Diligence and Showed Me No Loyalty. AND - 2. Clearly Excessive Retainer, just asked for my credit card ( Chase Slate ) and charged {$1500.00} on XXXX XXXX, XXXX not asking me or telling me how much they were charging. No XXXX hour free consultation after I was told on the phone I would receive XXXX hour free consult. XXXX XXXX, XXXX I shared with Attorney XXXX an hour of issues, gave him about XXXX pages of pertinent documents and also photos. XXXX NEVER took XXXX note. That was a red flag right then and there. When asked for certain documents he was struggling through all paperwork, I had to find what was needed. He did not represent me what so ever, he was never prepared, attached please find XXXX letters I wrote to Attorney XXXX with my complaints and requesting a refund to my credit card. XXXX told me that there should be no problem with this case, he did not know what he was doing, I want my money refunded, XXXX did absolutely nothing to help me. I wrote XXXX XXXX Complaint Letters ( see attached ). A hearing was set for XXXX, XXXX, I was in the hospital and could not attend the hearing. I requested XXXX to postpone the hearing. He told me he could not, the truth is he did not even try. Attached please find XXXX letters of complaint that I sent XXXX telling him all the above, and that I want my money refunded. Even the Credit Card company called him and nothing. I want my money refunded, I had to hire another attorney to represent me, the trial continues to go on, I had to pay Attorney XXXX XXXX, {$500.00} so far, we have been in hearings for 3 full days and another is scheduled for XXXX XXXX, XXXX, I need my money from XXXX to pay XXXX XXXX, XXXX, XXXX can be reached at XXXX. Attached please find a copy of XXXX 's {$500.00} retainer. I wrote to Chase Bank and sent them all XXXX letters, copy of check written to XXXX XXXX, XXXX, THEY WILL NOT REFUND MY MONEY. I NEED MY MONEY CREDITED/REFUNDED FROM CHASE BANK TO PAY XXXX XXXX. PLEASE HELP ME. I had to hire an other attorney that would actually represent me, I need my money refunded from Chase Bank it is on my Chase Bank Slate Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Debit CardCancelled without notification or reason. 
See Attached Statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I called Chase to talk to a representative about doing a transfer balance. Chase was offering a 0 % APR for 15 months and I had a large credit card balance that I wanted to transfer. This was a way for me to pay a lower interest on the balance that I carry and to make some headway to pay off the balance. After speaking the representative, I chose the XXXX application and applied. However, after I entered my transfer balance and got my account line information, it was much less than the amount that I wanted to cover. I have over {$13000.00} in credit card debt and paying a large interest charge each month. I feel deceived by the Chase website because it did not make it clear that my full balance amount that I wanted to transfer would not be eligible for transfer. I was only offered a {$1800.00} account line, which is much less than what I need to pay off the balance. I even called XXXX ( the credit card company that carries the {$13000.00} ) balance for assistance to help pay off the balance, but they would not offer me a lower interest. In the case of Chase, I feel that they should put a larger disclaimer so that future customers such as myself are n't fooled into thinking that their full balance will be opened to allow them to take advantage of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief