vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In 2010 I filed chapter XXXX debt relief and reaffirmed my first and second mortgage with J P Morgan Chase and have been making my payments as required ever since. My first mortgage payment history has been reported to the credit bureau as required but my second mortgage account ending in XXXX has not. I recently applied to re-finance with XXXX Mortgage, loan office XXXX XXXX in XXXX XXXX XXXX and combine my first and second to save money, almost XXXX per month, but because J P Morgan Chase has not and will not report payment history to credit bureau I can not meet underwriting guide lines to do the refinance. I feel this is being done to prevent me from being able to refinance and keep them from loosing my loan. I need help, this is costing me XXXX every month that I ca n't get my refinancing done. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RGL Associates, Inc.
State: GA

Complaint narrative:
RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint is with Chase Bank. They 've never kept my notifications up when they promised they would, causing charges to come about unexpected. 
{$60.00} bill was taken out of my account at XXXX I deposited {$80.00} at XXXX Chase charges me an additional {$30.00}, claiming " Because of Time Zones we can charge you a late fee early ''. Account is now negative, at risk to MORE overdraft fees and I do n't have any more money to put in. 
Chase refuses to refund the money, stating " We 've already done it for you before '' Chase Bank is robbing people. Simply put. 
Chase is robbing people who do n't have any money. 
This stupid world is filled with crooked company 's shaking people 's pockets out and taking everything. 

My complaint is simple, but it makes a big impact on people 's lives. The quality of life which is stressed and burdened by scum bag companys is no longer acceptable. I 'm doing everything right and timely yet still being punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
a few weeks ago, I submitted the same complaint about Chase Banks delay tactics of deducting from out account the next day ( in the morning ), when, in fact, they place the deduction the day before so that they can collect XXXX of dollars a day for the NSF. They told CFPB and wrote me a letter, saying that they have changed their tactics on this NSF situation. However, they did the same thing again to me on XXXX/XXXX/15 ( or XXXX/XXXX/15 )! I always check my account around XXXX every night before I go to sleep and when I went to sleep on XXXX/XXXX/15 ( XXXX XXXX I had a positive balance! I felt that they had " fixed '' their collection method, so I felt that I would run down to Chase the next morning and deposit enough monies to cover my checks. However, when I check before the bank opened ( at about XXXX XXXX ) I found that they had delayed the deduction of my checks from my account until the morning of XXXX/XXXX/15 and deducted XXXX NSF fees. I ran down to my Chase ATM machine at XXXX and deposited the monies to cover the insufficient funds, but to no avail. 
This is a rip off from customers of over millions of dollars a day using this tactic. There probably should be a class action suit by customers of Chase who have unfairly been " ripped off '' by being charged NSF fees by Chase using this tactic.. They either had n't changed their method of collection OR they stalling to change, while they continue to collect the XXXX of dollars per day. 
They had written to me and CFPB saying that they had changed this tactic, but it looks as if they just lied, or they delayed the change until they continue to receive XXXX of dollars. 
My previous submission number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: TX

Complaint narrative:
They call daily for my daughter. We have explained to them that she does not live with us nor does she have a working phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I attended XXXX College XXXX and I needed some additional funds to further my education '' I graduated ''. Once I completed my degree I began to hunt for employee in my field like a lost leaf in the big city. I found know work in my field so I began to look at other options, jobs that could help me pay my debt. After almost a year I started to get worried because I had n't heard anything from the bank, so in my mind I felt like I had time still because any creditor/lender is required to send you a notice of when your bill is due and this did n't happen for me. So I reached out to Chase when I found employment and asked if I could make some arrangements and I was told know. So now it 's been two years of going back and forth with them and nothing. I need help with this, any suggestions would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase XXXX credit card on XX/XX/XXXX My XX/XX/XXXX statement indicated a 0 % APR with an " Expiration Date '' of " XX/XX/XXXX. '' The statement also read, " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through your billing cycle ending with the expiration month and year shown in the Interest Charge section. You must continue to make your required Minimum Payment Due in order to continue to receive applicable APRs. '' Accordingly, due to the language " ending with the expiration month and year shown, '' I set a payment to pay the balance on XX/XX/XXXX 

Before that date approached, I checked my last statement from XX/XX/XXXX just to make sure that nothing had changed. Sure enough, that statement indicated an " Expiration Date '' of " XX/XX/XXXX, '' not the previously indicated XX/XX/XXXX. Furthermore, the statement read " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through the expiration dates shown in the Interest Charges section. '' The statement did not include the language " ending with the expiration month and year shown '' from previous statements. 

As soon as I noticed that, I scheduled and paid a payment to pay my balance on XX/XX/XXXX. Nonethless, my XX/XX/XXXX statement indicated an interest charge of {$26.00}. While the interest charge is minimal, I think the change in language between the statements is at best misleading and at worst a deliberate attempt to mislead and get an interest payment from a regularly paying customer who 's never made a late payment in his life. I imagine others could wind up paying much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I owed XXXX to chase at the end of the day my wages were garnished more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a XXXX vet, i live under the poverty line, as a result my brother sends me periodic money to my bank account to help make ends meet. 
Because of this i looked for a bank that offered deals to vets, Chase had a if you are a vet and have a VA pension deposited, then you do not pay incoming wire transfer fees, this is the only reason i went with chase. 
Chase charges me a XXXX dollar fee everytime my brother sends cash, this bank is full of lies and deceit, then i call them and have to argue almost everytime to get the charge reversed, called a supervisor, was told they were going to look into and fix this, and still i have to call each time. 

This bank is simply preying on people such as myself, and the fact i suffer from XXXX keeps me from dealing with them correctly, i really could use some help getting this stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.

Company response to consumer: Closed with explanation