vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Due to identify theft, I feel behind on my loan payments to Chase Auto Finance. In order to protect my assets, I filed for bankruptcy in XXXX 2015 and included the Chase loan. In XXXX 2015, Chase repossessed the vehicle contrary to the stay issued by the bankruptcy court. While the vehicle was in their possession, the repo agent used it as his or her personal vehicle, got involved in an accident, and put their personal information in the onboard system. On XXXX XXXX, 2015, Chase contacted my bankruptcy attorney and told him that I could retrieve the vehicle as he had filed several Motions with the court. On XXXX/XXXX/2015, a friend and I went to retrieve the vehicle. We had to drive first to the repo agent to retrieve personal belongings and were hit with the {$100.00} fee to get the items back. I immediately called Chase and they called the repo agent 's office and told them that there were no fees to be charged. Then we drove to XXXX XXXX miles north to get the vehicle. While at the holding station, we learned that the full tank of gas had been used up, that there was damage to the vehicle, that the repo agent had put his or her personal info into the onboard system, etc. Thus began my more than 3 week odyssey to get my truck repaired, the keys reprogrammed and be paid for expenses related to retrieve of the vehicle. Since the vehicle had been damaged, the value of the truck had lessen and I am now under water on the truck. This does not include the fact that the damage to the truck has diminished the ability to sell the truck or trade it in at full value. I also put {$15000.00} down on the truck when I purchased it brand new.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi! 

I have a Chase credit card. When I updated my phone number and address on XX/XX/2016, the change did n't make its way through all of Chase 's internal systems. When I submitted a dispute for a transaction, Chase only talked with the merchant, who gave false information, and closed my case without issuing a refund for a refundable transaction. They never reached out to me for information. When I finally got to speak to their dispute department, the response for having the wrong phone number on file was, " you should speak with customer service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
A credit card issued by Chase Bank stated " Cash Advance Limit '' as {$3400.00} both monthly credit card statements as well as online account details. 

I had a charge of {$9200.00} from a Financial Institution on XX/XX/2016 that was coded as " Cash Advance '' under " Type '' by Chase. Even though the stated Cash Advance Limit was {$3400.00}, Chase allowed a transaction that it coded as " Cash Advance '' to be approved that was much higher than the " Cash Advance Limit '' stated by Chase. 

I was immediately charged a " Transaction Fee '' of {$460.00} and subsequently a " Cash Advance Interest '' of {$150.00}. 

Upon seeing clarification on how Chase Bank could allow a charge coded as " Cash Advance '' that is almost 3 times the " Cash Advance Limit '', Chase Bank responded with a statement " We [ Chase Bank ] may allow some transaction to be processed about [ above ] the credit line or cash line so that our customers do not have to face any kind of embarrassment. '' On further clarification Chase States " there 's an option that prevents you from going over limit. We can place an over limit block on your account. '' This was not made clear on the statement or online nor the fine print on the statement. I consider this as a deceptive practice by Chase Bank and is unclear to the consumers. If Chase is knowingly publishing a clear " Cash Advance Limit '' - it should either abide by it or reword the limit. 

There is no way I would have charged {$9200.00} from the financial institution had I known Chase would code it as " Cash Advance '' and given that the cash advance limit was lower than the charge, I assumed given the charge is from a Financial Institution, in the event Chase codes it as " Cash Advance '' the transaction will be automatically declined. 

I have immediately paid the amount charged as soon possible. 

Attached are copies of the communication from Chase Bank and a screenshot of online account management showing " Cash Advance Limit ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was paid by the maker of a check drawn from a XXXX account. I deposited this check into my Chase checking account. Chase transferred the funds from XXXX to Chase, but refused to credit my account. In addition, they have now frozen and closed my account. They have refused to provide any explanation as to why they have done this. They also refuse to contact the maker of the check, or XXXX. The result : 1 ) the maker has had the funds withdrawn ; 2 ) I do not have the funds ; 3 ) Chase refuses to make these funds available to me. I believe that Chase has committed fraud. I have contacted Chase by phone and in person and they refuse to provide information of any kind to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am working on fixing/resolving my credit. I have XXXX student loan accounts where I am looking to resolve the debt. Upon contacting the lender, to work out a resolution on XXXX XXXX, 2016, I was told the debt was wrote as a " bad debt '' to the IRS, and there was n't a rehabilitation program, unless lump sum amounts were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My husband had XXXX XXXX XXXX XX/XX/2010 with real problems. XXXX I wasnt even thinking about a house payment at this time. I called chase bank and was told that this one late payment wouldnt affect our credit because of the circumstance and low and behold this one late payment has crucified us. I hate the fact that Chase bank lied to us and you would think that after all this time they would at least remove this negative report from our credit report now. To begin with they lied about not r3eporting this one payment because of our issues at this time but they continue to report this and it has been 6 years.Its time to remove this from our credit report.Please contact Chase Bank I have contacted them numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A financial institution sent a direct deposit to an account I owned that has since been closed. Chase bank, subtracted charges they are stating I owed, but will not disclose to me what the charges are. I have good reason to believe the account was not closed properly and Chase continued to assess charges to the account. They sent the remainder of my deposit to a wrong address, and will not initiate a stop payment on the check until I pay to have a document notarized. I feel like they are holding my funds ransom, as well as not being transparent in telling me what the charges of {$190.00} subtracted from my deposit were for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase is blocking balance transfers on card with XXXX balance, no reasonable explanation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/XXXX CFPB : XX/XX/XXXX, I paid the Full Balance of my XXXX {$230.00}, so I should NOT have been charged Interest on that Payment. But JPMChase did charge me {$5.00} Interest on that Payment, having erroneously recorded the date that I paid as XX/XX/XXXX. I want JPMChase to refund me {$2500.00} and remove all detrimental information that it has placed against me in its reporting to Credit Bureaus. 

Sincerely, XXXX XXXX XXXX XXXX, IL XXXX XXXX

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

Complaint narrative:
On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During the time was going thru XXXX in 2007my credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to XXXX party agency who keep renewing the age of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase flagged my account as fraud/ Abuse with XXXX. Now I can not open an account anywhere and I am a XXXX veteran who only recieves XXXX pay. This has caused me more hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase Bank has locked the electronic access to the account of XXXX XXXX. XXXX has a savings account only. In XXXX, 2015 XXXX and her husband XXXX moved from XXXX, XXXX to enter home XXXX with their son XXXX in XXXX, XXXX. The nearest Chase Bank is XXXX miles away in XXXX. They opened an account at a local XXXX XXXX and, on the advice of a Chase representative, used funds transfer to moved their funds from Chase to XXXX XXXX. These transfers are limited to {$100000.00} per day. After XXXX transfers the electronic access was locked until XXXX of my parents presents themselves at a Chase Branch office ( XXXX miles away ). They are XXXX of traveling a total of XXXX miles. The Chase Operating Loss Prevention Team declined to resolve the issue telephonically although they did send a letter asking us to call so they could " update your account information so you can resubmit the payment. '' My father has a separate checking account so he can access those funds although I expect he will also have trouble accessing his savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase and XXXX will not provide my full payment history even after requesting and filing at complaint with the loan servicer XXXX.

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

Complaint narrative:
On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Private Mortgage Insurance Cancellation and Termination my loan is 80 % decreased from original value and property appraised more value but chase declined to remove PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am reporting JP Morgan Chase and XXXX XXXX XXXX. I was told by Chase from the last complaint that I would not be contacted by The XXXX XXXX again for collection and that my account with XXXX was updated as said in the letter from Chase attached. However, mailed out XXXX XXXX, 2015 and received by me a few days ago was another collection notice from The XXXX XXXX. This is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation