vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services '', which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time, I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold, I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed, and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime, such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status, which I view as predatory. The XXXX check that I deposited is not a personal check, it is from a nationally recognized organization. Also, I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible.

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 monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern ; This is to advise you of the my deceptive betrayal and the law breaking servicer/lender who is foreclosing on my house. I fell behind in my payments after the economic crisis that affected alot of homeowners in this country. My employer was n't doing well cut my hours and was not able to make my mortgage at that time. In XXXX of this year my circumstances improved where I could modify my loan so I contacted the bank and they told me I was eligible because I was not residing in the property but that I could do a short sale. After 2 months of sending them short sale/loss mitigation documents they requested they posted my house for sale. I later filed a bankruptcy and later was dismissed. I have been trying to get the servicer to assist me in my short sale but they are always giving me the run around since XXXX of this year. I filed a short sale loss mitigation application AGAIN with the bank in XXXX 2015 and XXXX XXXX 2015. I ask CFPB to investigate my servicer/lender whom is not only violating the law but acting in bad faith. They are telling me they will consider the short sale but will not stop the sale. That is DUAL TRACKING. They need to stop the sale date and decide on the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called and closed my credit card account. At that time I asked if there were any pending fees, charges, etc that could mean I still owed money. I was told there were not. I had paperless billing on so I was not receiving written statements. Account was closed and 3 months later I received a bill for XXXX {$50.00}. I called up and was told that there were pending fees and now those fees had fees on them because I had failed to pay them in a timely manner. I argued with the service representative and was transferred to a manager who said that because I had been a good customer they would remove all fees, balances, etc. I told them to please note that on my account and turn on paper billing so I could get a record that the account was finally closed and done. One month later I received a bill for {$65.00} including late fees, etc. I called and they claim there is no record of me speaking to them last time and that my only option is to pay the money or watch the balance continue to rise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a chase credit card account that has low rates due to balance transfers that are fixed until it is paid. Several different transfers were made at different rates. The balance of the portion of my account with an interest rate at 4.99 % was {$2400.00} as of my statement date XX/XX/XXXX. The balance on that portion of my account has grown to {$3100.00} as of XX/XX/XXXX. I have made extra payments and can not tell where any of those payments have been applied to this balance portion of the account. This has been the highest rate portion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: CA

Complaint narrative:
I submitted a payment by mail to Nelnet ( loan servicer ) with explicit instructions that the amount of {$7300.00} was to be applied to Group A, Loan 1, which is my highest interest rate loan. Instead, they spread payment across all the student loans that I have. The other loans have a much lower interest rate. I assume they thought I would not notice and reap the additional monies earned through the higher interest rate. Student loan servicers should not be allowed to do this and should be required to apply payments to highest interest loan unless otherwise instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a call the morning of Wednesday, XXXX XXXX, 2016 from a Chase Credit Card representative explaining to me that my monthly payment for my credit card ending in XXXX was past due for the month of XXXX 2016 and I now owed the company a payment of {$110.00} ( inclusive of the regular monthly payment that I send which is {$85.00} and the {$45.00} minimum payment that they claim I failed to make for XXXX 2016 ). I explained to the representative that these payments are set-up with my credit union on automatic bill pay, so I was sure that my payment for the month of XXXX was sent to them in XXXX of 2016. My bill is usually due on the XXXX of every month and my auto bill pay is set up to make payment on the account in advance, as my monthly statements will show. The representative than explained to me that because my XXXX payment for the XXXX bill posted before the XXXX XXXX ( which on my statement it shows it posted on the XXXX -- -hmm ) that particular payment was applied to my XXXX statement, thereby deeming my XXXX payment as unpaid. I find it to be very unfair that I 'm being harassed, accused of not making a payment and regarded as fiscally not responsible because I made an early payment and the credit card company made the decision without my consent or at least a courtesy call to apply my payment to the same monthly statement for which they had already received payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scheduled to close on a house on XXXX/XXXX/16. I signed all the closing documents and paid my closing cost with a cashier 's check ( I have copies of all my signed closing documents already ). As the title company tried to fund the closing they discovered they could n't because JP Morgan Chase did not send the CD to complete closing despite the countless calls and emails from both attorneys. Now I 'm out of my closing cost with no house, I 'm staying in hotels which is costing me more money, taking days off work for nothing at all and all Chase is doing is coming up with false excuses as to why this happened and has still not sent the CD which all parties are frantically awaiting. PLEASE, PLEASE, PLEASE, if you can help get this resolved so this close can happen very very soon, I, the seller, the attorney 's, WE ALL would be so very greatful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received an offer from Marriott for a Marriott Rewards Visa card from Chase ( see Postcard attached ). I applied, as directed, on website MarriottRewards.com/XXXXPoints. I printed the offer details from the website ( see XXXX XXXX Visa Offer description attached ). I was approved and received a Welcome to My Card email from Marriott ( attached ). As you will see from the attached documents, the offer included XXXX Marriott points after {$3000.00} in purchases during the first 3 months, as well as XXXX points for adding another authorized user. I fulfilled the {$3000.00} requirement, and expected to see XXXX bonus points added to my account. Instead, only XXXX points were awarded ( see attached My Marriott Account document ). I telephoned Marriott on XXXX XXXX and XXXX, 2016 and was told that Chase generates all reward points - Marriott itself does not generate these points - however, the correct number of points is definitely XXXX ; a XXXX point offer from Marriott does not exist. I telephoned Chase on the same dates, and was informed that, yes, I did meet the {$3000.00} purchase requirement, but that I was " put into '' a XXXX bonus point offer, with XXXX points for adding another authorized user. When I explained that this was NOT the offer for which I applied, I was told that that was the offer they decided to give me. Chase apparently took it upon themselves to give me a credit card offer FOR WHICH I DID NOT APPLY. When I questioned this " bait and switch '' tactic, I was told to contact Marriott. I called Marriott a second time on XXXX XXXX, and it was confirmed that the offer was, indeed, for XXXX bonus points ; that no XXXX point offer exists ; that adding an authorized user awarded XXXX points, not XXXX ; that Chase would need to rectify the situation by awarding me the additional XXXX points due to me ; and that the details of this issue were being notated by Marriott, should they need to be verified at a later date. I am reporting this issue to you, since it does appear to be a bait and switch tactic. I applied for the Visa card that was presented to me in Marriott literature, and this was not honored by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have to call monthly to have my loans placed in a status of in school deferment. This organization does every thing possible to attempt to collect even false statements. It is difficult enough to complete classes without having to worry about an organization looking for a way to extort funds from students, they will add fees to this when it should be in deferment, lying stating that the school shows me to have withdrawn, and any other method I am sure I have n't seen yet. if this is happening to me then I know it is happening to thousands of others. Their authorization for this service should be removed for service of any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a home loan with Chase and for some reason I think they do unfair things with the owner of the house. I asked a questions about a bill I received regarding my property in California and was told they would check it out and get back with me yet they paid the bill and to this date if I had not looked at my account on line I would have not known that they were increasing my mortgage payment. They keep charging me an extra {$15.00} and for what reason I do n't know. I have received money back for them during things that were not fair but it was added to my loan. I have asked for an audit but for some reason they do n't do one, they send you information with a lot of number to where they are the only one who understand they. I have also tried to get my daughter name added to my account and we went through XXXX, because they did n't know what to tell us or what was needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I asked my bank, JP Morgan Chase & Co to close my deposit accounts, and open new ones because of Identity Theft I was dealing with, and suspicious charges posting to the accounts. When the bank never did this, I disputed certain charges made with the XXXX Debit Card associated with the account, which is a common and encouraged practice. The company subsequently, retaliated against me, and closed my accounts, saying I was at fault, despite my previous attempts to fix the situation. I have credit accounts with the company which have always been in perfect standing, and was a valued Private Bank customer, until this incident, which I believe was not appropriately dealt with despite my efforts. Now I am listed with my banker to not open deposit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone tried to open a chase amazon visa in my name, I called chase after I got an inquiry alert from my credit monitoring service, notified them that it was fraud because I never applied for the card. I do n't have enough information to file a police report which I need to place a freeze on my credit reports. They will provide any information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Prior to signing up for the Marriott Chase Premium credit card, I spoke with a customer service representative to discuss the terms and conditions of the credit card. I was told on the call that the {$85.00} annual fee would be waived the first year. Upon reviewing my statement, I was charged {$85.00} for the annual fee on XX/XX/2016. This is approximately 1 month after receiving the card. I call customer service again and spoke with a supervisor who told me that i was given the incorrect information and that the annual fee is required and not waived. I told them that i was misled and they said there is nothing that they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed bankruptcy and did not include my mortgage as I intended to keep it and have always paid on time. After I filed my BK but before it was discharged a law was changed stating that you must reaffirm your mortgage with your bank. I was never notified and my bank refuses to list my mortgage on my credit reports and it shows up as included in my BK. So my years of perfect payments do n't show up on my report. Chase bank has admitted that this fell into a grey area but says there 's nothing they can do about it. I want my mortgage to show up on my credit report because I notified them that I intended to keep it and make payments on time. They acknowledged that they never told me I needed to reaffirm and it was their fault and now they notify all the BK customers. Please help me get my mortgage back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
Please see complaint Case number : XXXX - Where Nissan Motor Acceptance Corporation significantly abused an elderly victim and where they assisted a Nissan dealership in conducting fraudulent activity. 

This previous complaint was filed by myself XXXX XXXX XXXX with sufficient power of attorney to represent XXXX XXXX in the matter of fraud Nissan Motor company continues to perpetrate. Such POA had been previously provided ( on or around XXXX 2015 ) to NMAC so they were aware that I had this power and knowing I was an authorized agent of the victim should have appropriately answered the complaint and not just shirked such responsibility. 

Now in addition to the previous complaint it has come to our attention that NMAC illegally seized a refund of over {$6000.00} from a vehicle maintenance plan. This was paid for by the vehicle equity the victim was deceived into trading in and the demanded cash downpayment obtained through this elder abuse. As NMAC had no superior claim, and in fact, since there was no contract, NMAC had NO CLAIM to the proceeds of that refund. It is clear NMAC has no issue continuing its illegal behavior and in continuing to unfairly treat and abuse its victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Without any action from me, I was sent an " Amazon.com Rewards '' XXXX from Chase in the regular mail. It has my name, an account number, a credit line and a phone number to " confirm receipt '' all within the same envelope* seemingly making it very easy for anyone to activate this card. 

I am scared that a credit check was run ( again, without my permission or authority ) and that the intent was to make it as easy as possible for transactions to begin occurring against my knowledge or will. When I tried to call the customer service numbers to inquire, I was disconnected adding an ever-dubious sense to this process that I neither asked for or enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX just prior to graduating, I consolidated my loans and my Federal Loan was locked in at 3.75 % APR. XXXX was my loan provider. At some point, they switched to XXXX and somewhere between XXXX XXXX and XXXX, my APR went up to 4.75 % which was not supposed to happen since I was locked in at 3.75 %. I enrolled in a Loan Forgiveness Program and my loan was taken over by FedLoan. I requested a forbearance for the XX/XX/XXXX payment, which was approved. I was informed that if I paid the interest while in forbearance, it would not be capitalized. I paid the accrued {$53.00} interest charge on XX/XX/XXXX ; I again paid the accrued {$5.00} interest charge on XX/XX/XXXX. These payments were interest payments and should not have gone towards the principle since I was still in forbearance. Now just 24 days later, My accrued interest charge is {$42.00}. There is something wrong here and I think I am being charged way more interest than the 4.75 % that I am locked into. I complete an employment verification form annually, which determines my monthly payments. I am requesting an investigation into this company 's interest rates policy and also an investigation as to why my 3.75 % lock in rate was changed to 4.75 %. I have attached documents pertaining to complaint in hopes that this will assist you in understanding my case. If you need further information, please contact me at the phone number and/or email given. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase offers fee based Credit Card product in partnership with BritishAirways. The rewards program as part of the product is quite misleading to consumers and to certain extent fraudulent in my opinion. The product charges {$95.00} annually and used to provide 1.25 times reward for every {$1.00} spent. Chase changed the terms of the rewards arbitrarily without any change to the fee structure charged annually. It now offer XXXX reward point to every {$1.00} spent which is similar to many other cards which are fee free. Also the card provide free companion ticket if one spends $ XXXX in calendar year. I rushed to meet this spend level last year to claim the free companion ticket. Later found out that this is completely fraudulent. When try to book the ticket using this voucher, there are no availability for the entire 12 months of 2016 if I try to use the free companion voucher. Then I decided to not use the voucher it shows up very limited availability where I need to spend XXXX reward points and pay additionally $ XXXX for XXXX tickets. The regular pricing for such tickets is of the order of $ XXXX. This means Chase offers you reward points however they are useless currency. I have already complained this to chase but I have no faith that they will review their rewards program with BA and aptly compensate me and many such consumers. This is false advertising and should be clearly communicated to consumers when Chase advertises the rewards program to it 's consumers. 
I think I have paid un-necessary annul fee for product that did not offer me anything in return. 

Also, the british airways rewards prograAt the time of sign upis quite fradulent

Company response to consumer: Closed with explanation