vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: VA

Complaint narrative:
Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was contacted by XXXX, XXXX XXXX, and asked if I would like to sell the time share we purchased in XXXX. She said she had a buyer ready, she sent a contract XXXX XXXX, 2015, read it over with me on the phone. Then she said I had to send her commission, which would be fully refunded by the buyer. Then it was title fees, then XXXX fees, etc., and to be refunded back to me. I was also contacted by XXXX XXXX at XXXX XXXX XXXX XXXX, and told he was holding the money in escrow account. Many promises, no action. Have not be able to get anyone to call me back for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I was trying to purchase a home, however my credit score was low and after receiving advertising from Lexington law firm about credit repair, I went ahead in the hopes that they can assist me in getting negative information off my credit report. After realizing that this company is not who they claimed to be, I requested that my account to be closed. I have made several requests stemming back from XXXX of XXXX until as recent as XXXX/XXXX/XXXX asking that this account be closed, however Lexington law firm continues to ignore my request and continue s to withdraw funds from my account with out my authorization. After realizing that Lexington law firm has not honored my wishes I am left with no other options but to seek assistance from your agency in obtaining a refund and getting these folks to close this account. I truly value your assistance in this matter. 

Cordially XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Charges a $ 95 yearly fee in exchange for XXXX free checked bag on XXXX XXXX when a reservation is made using the card. 

I made XXXX XXXX airline reservations online and discovered the card had expired. I had not been sent a new one. I had to use a different credit card so I will have to pay the XXXX baggage fees. I called the company and was told it was up to me to keep up with when the card expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XX/XX/XXXX while, in Attendance at College in XXXX, New Mexico that is, As, a XXXX.. Chase Bank and the Social Security Payment Center in XXXX could not. agree upon a Finalized Date for my XXXX Pay. This Date Signified of XX/XX/XXXX was already Extended ( 90 ) Days on ( 90 ) Days that, Extended for another ( 90 ) Days. I did not. Receive my Monies to Return to College the Next Semester in New Mexico as, there was Cause for Force in Living in XXXX where as, Chase Bank and XXXX XXXX Apartments frauded me of $ XXXX- {$4000.00} Dollars then, {$10000.00} Addtional Dollars in Public Collections as well as, {$1400.00} in Collections with XXXX . 

Accounts with Chase Bank were Left Open in Suspicious Fraud and Identity Theft after, Numerous Requests for ( 2 ) years to Close " All Accounts '' ( XX/XX/XXXX,XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: COAST PROFESSIONAL, INC.
State: IA

Complaint narrative:
Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX of 2014 a contract was written for the sale of the property address of XXXX XXXX XXXX with Chase being the primary mortgage holder. There are also XXXX junior liens on the property. An offer in the amount of XXXX was submitted via a short sale. The XXXX and XXXX lien holders accepted, however, Chase rejected the offer over a {$1500.00} shortage. The seller, the buyer, the agents and the attorney all offered to compensate for the XXXX difference and Chase further rejected to help settle and close this case. 8 months later the buyers decided to move on thus causing this deal to have to re-start. Another offer has been secured and we need for Chase to offer full cooperation in the sale of this property especially while the property is desirable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This complaint has to do with the fact that JP Morgan Chase reported us to the credit bureau for past due loan amount of {$990000.00} when we have a mortgage on that loan, we have paid on the mortgaged home " on time '' every month and we have been working with Chase Mortgage for over a year now in an attempt to FIX a problem that THEIR organization caused.I have made calls to Chase Mortgage almost every month during this year in an attempt to fix this problem. Every time, I either have paid more money to put in the coffers, only to find out that the money was misapplied to another account OR, I have asked them to move the money from " unapplied funds '' into the escrow account and then later find out that moneys was moved into principle. It has been a nightmare. Now, the bank has done more damage by reporting account to the " credit bureaus '' as if the problem is something that we did. And, as a result of their reporting this issue to the credit bureaus, XXXX separate contracts have been placed into jeapardy with my small business because the XXXX has resported the company as having " financial problems ''. We have been directly negative impacted by the lack of coordination and mismanagment of Chase Mortgage Company. And, because the account is so very messed up, we are unable to apply for another loan to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I submitted a claim on XXXX and XXXX against Chase. Claim numbers are XXXX and XXXX. I received a response from Chase but they refuse to send me the credit report they claimed shows that they paid off a loan for me. They sent me a copy of the documents that I already have in my possession. and did not send me any additional information. I requested again the documents that shows what bills, credit cards, loans etc they paid off. I am not satisfied with the answers on both claims. They did not tell me if and why their pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was informed by keep your home California to enroll in the " Unemployment Program : Forbearance Plan '' with my bank CHASE. Then I was informed that I was accepted on the program and they ( CHASE XXXX sent me a forbearance agreement saying that I should not be paying any monthly amount. Later, XXXX XXXX XXXX informed me that if I wanted to make a payment I could. I said no because I read in the agreement in section " B '' that " your monthly forbearance payment amount [ is ] {$0.00} ''. Thus, I started not making payments according to the agreement. After a few months XXXX XXXX 2014 ) of no payment and checking with them how the process was going then I found out that I was been reported as late all this time, not as in forbearance as should of been. Indeed, I received a letter in XXXX XXXX stating that I was past due. When finding this out I started making payments and complained to them for the wrong information given to me and they said it was not their fault. I complained also with XXXX from XXXX in XXXX XXXX as I think they are partners. He said he " will check into it ''. In the same month I got another letter from Chase saying that I was approved for a loan modification program and payment plan was detailed there for me. It seems like the information about the forbearance was not processed properly within their company and now recently I 've found out these late payments are reported in my credit report. I have been adversely affected by that going in my score from the XXXX 's to the XXXX 's. In XXXX I also spoke to XXXX about the forbearance and my issue with my credit score, he was the person who finally ended up processing my loan modification. Until this point they have not done anything to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.

Company response to consumer: Closed with explanation