vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
When I signed up for my checking account with Chase, I specifically opted out of overdraft protection as I did not want to incur any overdraft fees. I specifically asked when I signed up to make sure that charges would not go through if I did not have the funds in the account. 

After I signed up for my account, I learned about " insufficient funds '' fees and how those are different than " overdraft fees ''. If you pay some of your monthly bills automatically, but if you do n't have the funds in your account, the bill payment will still go through, and Chase charges you the " insufficient funds '' fee of {$34.00} per occurrence regardless of the amount you over drafted your account. 

I honestly do n't see the distinction between overdraft fees and insufficient funds fees ; it 's the exact same thing with a different name. I would rather pay a bill a day or XXXX late and incur a small late fee with whatever utility company than be charged a {$34.00} fee. 

Furthermore, I honestly believe Chase 's practice of clearing pending charges at XXXX at night and then having any direct deposit come in shortly after XXXX is an Unfair, Deceptive, or Abusive Act or Practice. There have been times where I have had a charge go through at XXXX, incurred insufficient fund fees, and then have a paycheck be deposited at XXXX. In the span of 3 minutes, I have incurred {$100.00} in insufficient funds fees and then have hundreds of dollars deposited din my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase sent only past due notices, but never a statement prior to being past due. When I cancelled my card they took all the bonus points off but did not take off the late fees as promised. Then they started calling my place of business because they were adding more late fees even after I had cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I applied for XXXX cards from Chase, XXXX and Amazon, XXXX cards were approved. I used my Amazon card to make a purchase the account number was loaded into my Amazon card. About a week later I called to activate my card and was told that the account was closed. I called customer service they stated that I needed to speak with the lending department. This morning I spoke with lending who stated that they closed my accounts due to the number of accounts that have been opened within the last 12 months. I explained to the female that I have some accounts that belong to my father that some how got attached to my report. XXXX vs XXXX. She was unwilling to reopen the account. i find this a terrible business practice as XXXX accounts I had to go through fraud verification and they saw the accounts on the credit file on the account at that time. So why open the account to just turn around and close it makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: NV

Complaint narrative:
Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XXXX. XXXX is pulling over that short sale is now late in XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute '' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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: TX

Complaint narrative:
Why have I had to apply for Loans to be " Discharged '' OVER & OVER again?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I currently have a XXXX Chase credit card ( " the credit card '' ). During this time frame I have used the credit card for many large purchases including travel. I 've always enjoyed the customer service and the card itself. 

However, in the last few months, with a XXXX baby born in XX/XX/XXXX, my wife and I decided to start attempting to pay down all of our outstanding debts. We saved for 5 months in order to accumulate the appropriate amount of money to pay off the credit card as a lump payment. I received my XX/XX/XXXX statement on the XXXX and a payment due date of XX/XX/XXXX. On XX/XX/XXXX, I issued a payment of over {$4000.00} to pay and eradicate this fairly large credit card bill. At the time of payment I went through the online payment system as I did every month. Once the payment was processed my wife and I sighed a sigh of relief to have paid off that large of a debt in one lump sum, as it is not easy to do now-a-days and with the new baby. 

Then, my wife randomly checked the XXXX account to see our points total, and she noted a balance of {$49.00} for interest charges. I called and spoke with a customer service representative and a supervisor however, neither of them had an answer to my question and concern. 

I 'm extremely dissatisfied with that fact that when I paid a large payment of over {$4000.00} there was no message or information that would indicate to me that additional charges would possible to be incurred to me within the next month due to unaccrued interest. I feel that the absence of such information on their website when making such a large payment is extremely misleading. As the system should be able to flag that the account is being paid off and a message would be made available that would indicate the aforementioned information. The website is extremely misleading and I truly feel it is unfair that I 'm now forced to pay an additional {$49.00} when I thought I paid off my entire balance. 

I truly feel that by not giving a customer a complete or total balance to be paid off is misleading and unfair. Even their supervisor mentioned that had I even called to make my payment they would not be made aware of the total interest charges I would be charged. So had my wife and I not checked the account for our points balance, and maybe not looked at the next statement because we figured we paid off the account, I would then be on hook for not only the {$49.00} but the late charge fees plus additional interest charges again. 

I would greatly appreciate any information someone could provide as to how this is going to be settled and or what the resolution would be for not only my self but every one of their customers. Please feel free to call me at anytime during normal working hours EST, XXXX, or email me at XXXXXXXXXXXX. 

I thank you in advance for all of your assistant and information. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently applied and was approved instantly for a chase slate card with what I thought per the offer online was for {$0.00} transfer fee and an introductory 0 % APR. After account approval I did n't see any confirmation that the balance transfers I submitted during the application process were going to be executed. So I called in to ask about the transfers and during that conversation the rep told me there was n't an introductory 0 % APR. I asked him to double check because that was what was advertised and why I applied. He confirmed that there was no introductory rate so I had to cancel the card, which is somewhat frustrating, not only for my wasted time but for the adverse impact this will have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was recently contacted by who I thought was the IRS. Upon answering the phone, I was asked whether I was aware that there is a warrant out for my arrest - so of course I immediately panicked. I was then told that because I owed money to the IRS ( of which they knew the *exact* amount, so I thought it was legitimate ), I would be arrested within 45 minutes if I did not pay at least some of the balance due. Because I lived at my place of work, I panicked that a police car would come and arrest me at my place of business - a terrible thought. These scammers knew ALL of my personal information, including my address and the balance due, so again, I thought it was legitimate. As a result I sent them {$500.00} ( which may seem like a small amount to some, but to me is a huge amount of money ). Immediately afterwards I had a bad feeling, and looked up the phone number ( they told me that if I hung up, they would consider it a noncompliance, and that they would send the police ). I saw that I had been scammed. So I called Chase the minute I realized and asked them not to send the money. I begged, pleaded, and cried, but they would not reverse the charge no matter how much I asked them to. I do n't understand what the point of " fraud protection '' is if when I 'm a victim of fraud I am not assisted. I have called several times to no avail. Surely there is something they can do - the XXXX of Chase, XXXX XXXX, makes {$27.00} XXXX a YEAR! If nothing else, ca n't this meager ( to him ) {$500.00} come from his personal account? 4 days after this happened I was laid off - and now I am in dire straights - and simply can not continue to have an account with a bank if they can not treat their customers well when disaster strikes. Please, if you can do anything to help I would be eternally grateful! Thank you so much for the consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
the assignment of mortgage from XXXX financial services in XXXX 2000 ... ... to XXXX ... ... was decietful, erroneous, and fasely tailored with deception this assignment recorded in XXXX XXXX public records is missing my sister 's name. this is not a typo error as the original document recorded by XXXX has her name ... ..XXXX went bankrupt prior to the assignment and had its hud violations later XXXX had an automatic dissolution ... ... anyone can view these documents I wish I had years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by Chase -Bank regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing Chase-Bank to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX this year, I obtained a mortgage from Chase. Since it is a condo building, I was able to get a tax abatement. I was told that the escrow account will be calculated without tax abatement until the actual property taxes are paid so the bank would know how to adjust according. In XX/XX/XXXX ( after XXXX quarters of tax payments in ), I went to the branch to ask for an escrow adjustment, because the amount in my escrow account is really high and not based on real situation. The bank did an escrow analysis, but rather than lower my monthly payment, it went up by a lot while issued me a small surplus check which did not make sense. After several calls in the past 3 months with their escrow department, tax department and mortgage banking department, they still did not resolve this issue. I was passing from one department to another. Apparently nobody cares. As a result, I am overpaying thousands of dollars in my escrow when I should n't have to. I was not contacted and no new analysis was received after XXXX weeks of waiting. No apologies, no nothing.

Company response to consumer: Closed with explanation