vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I had used my Chase Visa Rewards Card to stay at the XXXX. I had also used my XXXX Card for the second week. To my surprise during the second week when I was sleeping I felt something crawl across my arm and I quickly jumped up and screamed, my daughter turned on the lights and it was a bedbug crawling on the bed. We caught the bedbug and took it in a jar we found to the front desk. They said they would move the room and have the manager call us ASAP. After moving all of our stuff in clear bags of course to the elevator and XXXX floors up with no help I contacted the customer service dept at Chase Visa and the XXXX XXXX .Well the staff at that time sounded sympathetic about the problem and told me that they would be following up with this in the next couple of days. The c/s at the XXXX XXXX removed the charges and gave me credit for my bill, However the Chase card services gave me such a hard time even after knowing that we had to throw away our belongings and repurchase the things that had been infested and appeared to have bedbug eggs. We were at the hotel because we had just moved from our home and the new place we were moving to had been delayed due to a fire that had happened. It was obvious we were homeless. There was absolutely no c/s support after the report was made we had got the building inspector and health dept and the hotel had been previously cited for bugs and they cited the place again. 

The Chase card services did not reverse the charges and I had to pay the full amount. This included finance charges from XX/XX/XXXX until XX/XX/XXXX. So now on XX/XX/XXXX I receive the attached letter and I called the phone number they wrote on the letter to speak to the c/s because I understood that the amount in dispute was resolved as they have stated in the letter. I called on XX/XX/XXXX at XXXX. I spoke to a Chase card specialist named XXXX who told me that the XXXX cent credit that I see on the account is what I was entitled to. He also said that there were a lot of other people that had this refund coming to them. I told him that I was charged a lot more than XXXX cents finance and I asked him what do they mean by saying the dispute was resolved I paid it in full, he did not answer me but continued to talk over me rudely blabbing on and on. I felt it was necessary to terminate the call due to the fact that he was completely giving me the run around. I felt at that time to contact your agency for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the recession employment was not steady. I fell behind in my mortgage payment. 

As the economy improved so did my employment. I was able to find more employment and gain higher wages. I contacted CHASE BANK who services my loan for XXXX XXXX in XXXX XXXX. CHASE BANK said that they would be willing to look at my mortgage loan and tell me my options for mortgage assistance and repayment. I was happy to hear that I would have a chance to stay in my home. Today is XXXX XXXX, XXXX almost two years later and after sending in XXXX pages if not a XXXX plus pages of documents to " CHASE BANK, '' recently CHASE BANK sent me a letter stating that they have not received all of the paperwork required for mortgage assistance and I was denied. A sale date for foreclosure was set up for my home without being given any options of repayment. 

During the time of applying for mortgage assistance so that I could do a modification of my loan. CHASE BANK would always ask me to summit document, some documents were hard for me to find like my deed of trust or they could not verify my resident because I used my PO Box as my mailing address, but all bills showed my service address as my resident. 

Once CHASE BANK claimed they had everything they needed they would say that the loan is with the Underwriter or the Investor. After the loan came back from the under writer or the investor, CHASE BANK would always say XXXX of XXXX things. They ( CHASE BANK ) need more documents, the documents have expired while with the Underwriter or Investor, or the previous CHASE BANK representative who was helping with the mortgage modification has been promoted and I have to send all new documents in again. 

This has been the cycle ( doc expired, more doc, rep changed, etc.. ) with CHASE BANK for almost two years. All I every asked for was my option to repay my loan and keep my home. 

My house has a schedule sale date for XXXX XXXX, XXXX and I am still sending in documents ( which Chase Bank is asking for ) asking for mortgage assistance, modification, or repayment options to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XXXX, 2016 I desperately submitted a complaint regarding JP Morgan Case. Case # XXXX. CFPB. 
Now again I am coming back requesting the same. I have continue to provide various loan modification packages to Chase to no success. I want to preserve my home. I am more stable now than ever. This is my primary residence. It is my understanding that CFPB is here to protect the consumer. I feel JP Morgan is giving us the run around .What else do we need to do to proof that I am out of those hard time and I am able to take responsibility for all that I s due. All I am asking is for a work out plan that is affordable. 
I need another chance. I just received notice that with in 60 day I will be out of my home Please advice of any out come. I will be contacting also HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I moved into my current house XX/XX/XXXX. Since then I have been receiving the previous owners statements from JPMorgan Chase. I have been returning the statements through the mail with XXXX written on the front with a line through the address. The statements continued to arrive so I called their customer support and was told to take the statement to a branch which I did. I continue to receive the previous owners statements and it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chapter XXXX was discharged in 2012. I did start to build my credit again. XXXX XXXX has just increased my limit from {$300.00} too {$500.00}. XXXX gave me {$700.00} which I never used, so then they dropped it to {$500.00}. XXXX XXXX XXXX gave me a XXXX XXXX, and XXXX gave me a {$2000.00} MC. While checking my score XXXX on XXXX XXXX I notice it had dropped XXXX points because I had used too much of available credit. 
XXXX XXXX recommended I apply to Chase Slate because it was a good chance I would be approved for a debt consolidation card at a lower interest rate. 
I applied and they denied my application in a letter stated " Your credit report reflects a bankruptcy '' NO OTHER REASON. 
I thought after one files Chapter XXXX they are a good risk as there can not be another discharge for 7 years. 
I believe that this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: NC

Complaint narrative:
I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today ( XXXX/XXXX/16 ) I was reconciling my Chase Mileageplus Visa statement received on XXXX/XXXX/16 and noticed that the credit card company charged my an annual {$95.00} fee. When I signed up for this card it was a free card - I did not realize that the fee was only waived for 1 year. I did not receive any notification that I was being charged the {$95.00} nor did I sign any kind of charge slip or acknowledgment to pay the {$95.00}. It was just placed on my account. I called the Chase Mileageplus Visa today to cancel the card and was informed that I am past the 30 days from the statement date ( XXXX/XXXX/16 ) and therefore the charge will not be refunded and they will not prorate the charge. I am 9 days past their deadline, and I explained that I just noticed the charge. I suggested that the charge be prorated and they refused to do that. Again, I did not receive any communication letting me know that they were charging me {$95.00}. I spoke to a manager who could not do anything, and she indicated that I could mail or fax information to headquarters or some place. A fax machine in 2016? I asked for an email and she indicated that they did n't have one. 

In addition to the annual fee, one of the reasons that I am cancelling this card is because the XXXX XXXX passes that they offer as a benefit are not be accepted at many of the locations including my home airport in XXXX. It is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Mortgage loan number XXXX Chase Mortgage originally offered lower rate through HARP in XXXX 2014. Lack of communication resulted in me missing the deadline for submitting insurance documents and I was informed the HARP was no longer available but could reapply for another program. I twice inquired about why I was not notified about the missing document but have only gotten conflicting information. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Federated Law Group
State: FL

Complaint narrative:
I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase processed the debits before the credits and charged me XXXX overdraft fees for {$34.00} each

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My loan was sold to another company, I made arrangement with the other company and paid my loan. The original company refuse to remove their name off my credit report. They are still reporting as charge off.

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

Complaint narrative:
Over the month of XXXX 2016 I made several online payments to my Amazon Chase credit card only to find none of these payments were credited to my account. Today XXXX, XXXX, 2016 I made XXXX payments of {$160.00} each again getting a confirmation of payment but no secondary message to my email per arrangement. I returned to the Chase credit card payment site and it indicates no payment having been made. I suspect systemic fraud by Chase to continue to assess interest on outstanding balance even when payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I took out an 18 month 0 % interest from my Chase credit card. It was due XX/XX/XXXX ( meaning XX/XX/XXXX ) but I thought that it meant XX/XX/XXXX. The due date on the card for the monthly payment was something like XX/XX/XXXX, I paid the balance off on XXXX XXXX to avoid any interest charges. They still charged me {$80.00} in interest. I contacted Chase 3 times, they told me that it was due to my billing cycle which ended XXXX XXXX, and that there was nothing that they could do, they could not even take the interest off. You pay a fee when you do these things, so I know they made their money, but they had to trick me into thinking that the due date was XX/XX/XXXX in order to make a little more. Although I had been a customer since XX/XX/XXXX, this did not matter, I payed the interest and canceled the card. Then someone told me I should do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a credit card with Washington Mutual Bank which was bought out by Chase Bank who then reissued the card with the Chase Bank Logo on it. In XXXX my husband became unemployed for 6 months and we had no income whatsoever. Chase bank refused to work with me and marked my account as a charge off. At that time there was a balance of approximately {$2000.00}. At current this debt shows on my credit reports with a balance of {$3500.00}. I would like to file damages under File No. XXXX In the Matter of : CHASE BANK, USA N.A. andCHASE BANKCARD SERVICES, INCFurther I would like to have this item removed from reporting on mine and my husbands credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
UNABLE TO CONTINUE WITH MONTHLY PAYMENTS ON PROPERTY DUE TO UPSTART OF NEW BUSINESS VENTURE AND THE DEPLETION PERSONAL ASSETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I owe Chase Bank roughly {$2000.00}. I am living on SSI income so I have no way of paying that. I mailed them documents stating I had " won '' money. They said they wo n't accept that as payment. XXXX. I also wrote the postal inspector about these " sweepstakes '' being potential scams and they have done nothing to solve this financial joke. XXXX? Why do these " enforcement '' agencies not do anything to go after scammers? My local police do n't XXXX about mail fraud, but on the show " XXXX XXXX '' they state mail fraud is a felony. an someone get off their XXXX and help me solve this problem with my bank so my credit is not ruined? Police would rather pull me over for my traffic signal not going on than mail fraud I get in the mail stating I am owed all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.

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

Complaint narrative:
I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.

Company response to consumer: Closed with monetary relief