vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There was an unauthorized charge on my checking account and my financial institution authorized it and said that it was my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has blacklisted my personal methods to bank with them. Chase closed down my business accounts many years ago without merit. Apparently this is affecting my personal relationship with Chase, keep in mind I have a mortgage account with Chase. I want Chase to take me off these lists because I am unaware of what blacklisted me. This makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I keep receiving a denial for the Amazon.com visa signature card, which i have not applied for. I think it might be showing on my XXXX report. its probably hurting my application for a home equity line

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This morning I went to Chase on XXXX XXXX XXXX, XXXX, Texas, XXXX, to make a credit card payment. The amount of my payment was {$30.00}. I gave the teller the credit card payment slip and {$30.00} cash. The teller refused to process my credit card payment because I did not present an ID. I told her that I presented my ID when I opened the account ; it is on file with the bank. I also stated that I am not withdrawing money, I am only making a credit card payment. 

The notion that you have to present ID to make a {$30.00} credit card payment with cash is preposterous. Chase is making up rules and that are beyond the scope of any banking regulations. 

This Chase rule is an overreaction to money laundering fears. They even require an ID to process a payment of XXXX cent! By making a blanket rule like this with no proportion, Chase is placing an undue burden on their customers by forcing them to always show an ID even when they are not withdrawing any money! Please force Chase to amend this rule so an ID is not required when making small cash payments. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
after my aunt pulled her credit and it showed that chase was on her credit report and she called them and they told her that my name was on the account as well so I pulled my credit report and chase was on mines to. myself and my aunt have reached out to chase bank usa and asked to remove this debt off my credit report and hers because its not ours. we 've called them several times we 've written to them as well and they still have n't showed us VALIDATION of this account being mine or my aunt. we are having no luck with chase on getting this resolved. we are trying to avoid going to court so if this does n't work we will have no other choice but to file legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a Chase XXXX card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. 

Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but XXXX information in regards to the debt. ( Which of course, not my debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had XXXX credit card accounts closed due to inactivity with no prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
FALSE STATEMENT BY XXXXYOU REQUEST MORE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My wife and I refinanced our existing loan with XXXX XXXX, XXXX in 2006 to purchase our future home. We supposed to get an adjustable rate mortgage and as such we signed countless papers. After having this loan for a few months we noticed that the amount we owed would n't go down and after numerous phone calls we realized that it was not only adjustable rate but interest only also. Many times we tried to refinance again, ( it was bought by Chase in a few months ), but we did not qualify. After 5 years we were able to refinance the loan and now after paying over {$130000.00} in interest, our mortgage was {$6000.00} more than we started with 5 years ago ( $ XXXX {$6000.00} ). Just now after a friend of ours had a similar case we started working with a lawyer who asked us to get the documents from the XXXX XXXX recording office. All the papers we signed emphasizes that it was interest only and one page where we did not sign on the bottom : Interest only addendum to adjustable rate rider. We did not even have this page in our file and there is our signature on a different page. WE WOULD HAVE NEVER AGRED TO SUCH TERRIBLE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been involved in a mortgage modifications with chase since XXXX since such time. They have advised me to fall behind on my mortgage to get the modification and since I completed the modification chase and signed off on the modification during XX/XX/XXXX with bringing my mortgage up to date they have failed to notify the credi burearues of this.. I have had 4 years of bs from them and want my credit re established without any issues from chase ... ... ..there is so much more. Chase has done to me I need to get rid of them ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: OK

Complaint narrative:
I have been receiving calls regarding an alleged debt. They have contacted my father-in-law in regards to the debt as well as my mother, numerous times. XXXX third parties verified they had the correct phone number for me and advised them to call me directly. I returned their call and asked for documentation to be sent to me by certified mail. They wanted me to pay the balance by debit card immediately. I explained that I did not feel comfortable with that, until I saw documentation. To include the original alleged creditor, amount, etc. I was transferred to another dept. and they left me on hold for several minutes. I attempted to call back and no one answered. I received another call from them on Thursday XXXX and asked again for documentation. They transferred me to a man named XXXX and he said he had already sent mail. I explained that I had not received mail from them and he said " Why do you want a letter, are you going to dispute this? '' I responded possibly, but I do n't know until I can verify through documentation. He hung up on me. Today, XXXX/XXXX/16 I received a call from the same company at approximately XXXX I again asked for documentation and the girl who I spoke with transferred me to a gentlemen. He stated his name, but I could not understand what he said. He refused to spell his name, or repeat his name. He stated he did not have to tell me his name, I owed him {$800.00} and he was not sending me documentation. I asked several times for his name and he refused. He stated I would know his name when they " put me jail '' for not paying my debts. He also called me a liar and said the only documentation that I needed was my credit report, because it shows I do n't like to pay bills. He then stated " pay your bill '' and hung up. I attempted to call him back several times. and each time he would answer and say " just pay your bill '' and hang up. I called again at approximately XXXX and this time he took the call, but with out speaking. I asked to speak to his supervisor, asked for his name, asked to receive documentaion, so that if this was a matter that need to be resolved I could proceed. He refused to speak. He sat in silence for XXXX minutes and XXXX seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It has been seven long years since the financial meltdown. I have spent several years of my life attempting to do a loan modification on my own house and a rental property. 
The banks and " investors '' that own these loans are just paying lip service to us. 
The banks have only paid fines and now they are bigger than ever and just asreckless. XXXX XXXX has not seen any of this money. Inflation is high to the people that are paying bills and actually go to the store to buy food. 
The handling of this has created another reminder that there are XXXX sets of laws. 
Not one person has gone to jail or lost their position and yet they came so close to destroying America. 
Oh. It also created another department of government- the CFPB. 
I have complained years ago about this same issue and so have many others, but nothing has been done. 
Heck, XXXX sends people to jail just for shorting positions. 
I can only say that me and many people I talk to are fed up and disgusted at theability of the greedy and unethical to continue to thrive in this country. 
This sounds like a rant- because it is a rant and complaint because NOTHING has changed. 
* After completing this process, I have one question. 
What makes the CFPB any different than the XXXX????

Company response to consumer: Closed with explanation