vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
My XXXX father took out a car loan with Chase Bank. He is nearly XXXX and can not hear. I am his child. I manage his financial affairs for him. When he set up the account and took out the loan, he expressed to Chase Bank that it was acceptable for me to contact them regarding the account and to make his payments for him. Despite this, when I went to make the initial payment, they would not allow me to make the payment for him. Thus, his initial payment will be late. When I called Chase to make the payment for him, they would not allow me to do so. When I asked for the telephone number of the automated payment, manager " XXXX '' in Texas gave me XXXX as the automated payment number. That number is disconnected. Chase XXXX beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We purchased a new XXXX XXXX van XX/XX/XXXX. Chase Bank financed the note at 8 % interest. XX/XX/XXXX, we refinanced another one of our cars with chase which was originally financed at a credit bureau. We have made every payment on both car loans on time and have paid extra bulk payments on the van to the tune of over {$9000.00} of the principle alone since the purchase. I and my wife have only XXXX % debt ratio. I have XXXX accounts open with not one late payment and my wife has XXXX open accounts with not one late payment. We have both been in our jobs and our residents for 5 years. We wanted to trade the XXXX van on a XXXX model and submitted an application for the new loan. The application was denied with no reason given, only an offer to send a rejection letter which will take 15 days. So I thought " OK, We 'll just refinance the van and trade later '' ... .. again that request was denied. How can you have perfect payment history with a bank on XXXX auto loans totaling {$44000.00}. Good credit scores ... .. I 'm in the high XXXX 'S and my wife in the mid XXXX 's. Decent job/resident history. Average income. Plenty of open/closed credit accounts which go over about 7 years and not a single late payment in many years ... .. low debt/income ratio and still be denied reasonable credit??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account was charged XXXX overdraft fees over a period of time of approx one week because of an overdraft that then cascaded into fee after fee after fee because of negative balance transactions in the account. XXXX fee? fine. XXXX or more fees fees is not fair. I asked the bank to refund some of the fees, they refused because I have had fee reversals in the past. However they did not care that the fee reversals were because my account had been hacked. They said my account is " ineligible '' I looked into the history of my account and there was a period where I deposited money to try to correct the situation, but all the fees have eaten up all of that that it all started again ... .there are at least {$200.00} IN FEES AND I DID N'T EVEN HAVE XXXX $ to my name during that period. 

The bank also only sent me an email alert today XXXX XXXX, of an overdrawn account ... while for days I have been racking up fees. And never was there an alert that I was getting continual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was given a loan modification XX/XX/2015 and my mortgage payment was never lowered. My financial circumstances have changed drastically and I reapplied and was denied. No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made an online purchase with a merchant and I did not receive what I ordered. I tried resolving with the merchant ; with no success. Then I disputed the charge with my credit card company to pay the merchant and credit back my card. My credit card company would not submit my request because I did not have computer screen shots of the online order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a XXXX form from Chase and they will not update my balance to zero. I have attached a copy of the form with this complaint. I received a reply from XXXX, and they wo n't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently XXXX college with a degree in XXXX to fulfill my XXXX credit hour requirement for the XXXX exam. Therefore I was in the process of applying for my XXXX credit card with Chase Bank 's Visa Platinum Credit Card. I had no previous prior credit history therefore Chase Bank denied me straight off the back. However I have assets of $ XXXX, income of at least $ XXXX, and a line of credit with the brokerage for $ XXXX. This would be more well enough for the line of credit I was seeking at least you would think. My father and I therefore called customer service at Chase Bank asking them to reconsider. We XXXX talked to XXXX asking her to reconsider the decline application for a line of credit. She insisted that since there was no line of credit history that they could not issue a credit card. We asked to talk to her supervisor, therefore we then talked to XXXX. XXXX gave the same explanation of not having enough credit history. XXXX gave the phone to XXXX her manager to talk about the issue. XXXX took over for XXXX. XXXX gave the same run down that XXXX gave us except we recorded the conversation that gave us the alternative to get credit. He recommended me to go to an inferior that charges more money to get credit to get credit with Chase Bank. XXXX said that it was Chase Bank 's philosophy to deny the credit card if there is no prior credit history. There is no professional judgement in further research of the individual to see if they have other means of income, its just the click of a button than says Yes or No. This philosophy happens to be trade secret, but any person with a brain would think you would want to issue a credit card to a person who can make the payments and has more than enough to cover the line of credit with liquid assets. We offered to give the statements showing that I had the assets to prove that I was a worthy candidate for the credit card, but the would not even take them or make amends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: MD

Complaint narrative:
I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loan is reporting to the three credit agencies and I did not give permission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/16 a charge of {$720.00} was processed on my XXXX card by XXXX XXXX. This charge was totally illegal since I have no contract with XXXX and they did not have my permission to use my card. I disputed the charge to Chase Bank, but they denied me a refund, saying that the debt to XXXX XXXX was legitimate. I appealed it and they again denied me. 

This is the situation. My employee 's mother had a contract with XXXX XXXX. Her daughter works for me in my small business. Since XXXX of them do n't have checking accounts or credit cards my employee would often ask me if I would pay bills over the phone with my credit card and then she would reimburse me with cash. I had no objection to do this since it made things much more convenient for my employee and there should have been no risk on my part. Every time it was used, either I called it in personally or my employee called with me next to her. She never had my credit card info to use on her own. The credit card was never on automatic payment with XXXX nor was the card ever out of my sight. The last payment I made was on XXXX/XXXX/16. Then four months later, on XXXX/XXXX/16 XXXX XXXX retrieved my credit card info from their old records and used it to charge the incredibly large amount of {$720.00} without my permission to satisfy a debt my employees mother allegedly incurred. 

Apparently, both XXXX and Chase have made the incorrect assumption that since I used my card to make some prior payments for someone else, I forever have assumed all current and future liability for that person 's account with XXXX. That assumption is legally incorrect and I implored Chase to process a chargeback for {$720.00}. There is nothing in their cardmember agreement or civil law that backs up XXXX XXXX 's actions. I am not disputing whether or not the monies are owed by my employees mother or not but rather that they are billing me since it is not my liability. Since my exposure is to my credit card bank and I have no relationship with XXXX, Chase bank is the only party I can pursue. I feel XXXX giant conglomerates are in collusion to take my money even though I have no legal obligation to XXXX. I probably will never be able to collect that money from my employees mother. This is a case of being powerless to big business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase wrongfully closed my checking and savings account due to " unusual activity. '' I deposited XXXX checks that I believe may be the reason they closed my accounts. The XXXX checks were : ( 1 ) {$1900.00} issued upon cancelling my insurance from XXXX XXXX XXXX XXXX, and ( 2 ) a {$6900.00} cashier 's check from XXXX Bank as payment for consulting work I did for a contractor installing medical equipment. XXXX checks should be valid. My statements showed the checks were cashed on XXXX XXXX 2015. A letter from Chase, dated XXXX XXXX 2015, instructed that my accounts would be closed because of either unusual activity or because Chase had not received certain information from me. The letter instructs that they will verify all deposits and payments and then take another 10 days to issue my funds back to me. 

I am a retiree and need those funds. I did not find out about the closure until I went into a branch and the teller informed me. 

I tried calling the number provided in the Chase letter, XXXX, but they kept forwarding me and putting me on hold until I gave up. I made several attempts. I consulted with a legal assistance attorney at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX who called the same number for me. But Chase refused to speak with him or I because I consulted with an attorney. Chase refused to provide him with their written policy. 

I do not have the contact information for the contractor who hired me and who gave me the cashier 's check. 

My statements, the letter, and the checks will be attached. Thank you.

Company response to consumer: Closed with explanation