vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
It has recently been brought to my attention that my title for my car has never been sent from my previous Lease holder Chase Auto Finance to my current financier XXXX XXXX XXXX XXXX. Chase neglected to send the title even after it was requested several times XX/XX/XXXX, resulting in an 18 % APR charge from XXXX XXXX because they never received the title. I worked directly with Title Research agent XXXX XXXX XXXX, who only sent me the lien Release, but did not send the title. My car payment is XXXX per month now. It was calculated at XXXX with the title ( 14 % APR ). This has directly effected my ability to pay other bills and has cost me approximately {$570.00} and has prevented me from getting additional lines of credit, recently including a car loan from XXXX, as they stated that I was too far upside down on the loan currently and my current APR was too high at 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX made an unauthorized charge to my Chase credit card in the amount of {$680.00}. I disputed the charge immediately, in writing, to Chase who has refused to remove the charge and further, has refused and, continues to refuse to conduct a competent investigation into the charges. Relying on form letters and form denials and, refusing to provide COMPLETE copies of documentation it says it received from XXXX XXXX that allegedly support the fraudulent charges. I have since paid the charge including {$40.00} charged by Chase in interest fees. Chase has done nothing but threaten to ruin my credit. XXXX XXXX has done absolutely nothing to assist in the investigation or to provide a competent explanation for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Attached is a letter I sent to Chase Bank 's corporate offices describing our current financial situation. We have been dealing with a series of fraudulent activities and Chase Bank has neglected to handle our situation with care and attention, let alone assume any responsibility for their lack of security protocol. We requested an explanation in writing from Chase in regards to the investigation we were told was being done, and were denied in addition to being told they also denied our claim to replace the money that we have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
Apparently, a XXXX debt for my daughter XXXX XXXX adult for which I have court appointed legal guardianship ) has been turned over to this collection company. I have been paying on this debt for over two years at the agreed amount of {$50.00} per month. The collector XXXX took my statement verbally as legal guardian. When told that I have a payment agreement with the debtor and had made payments perfectly, her attitude and statement was " come on sir, we are XXXX too old for these games ''. During the call, which was on my cell phone, the sound dropped for approximately 10 seconds, after which she became extremely beligerant and stated again " we 're too old for this ''. Basically, nothing was accomplished except her implying that I am not telling the truth. I told her when I got back home I could send her the payment records. After this call, I called her supervisor and he was less than agreeable to help. After hearing that I wanted to register a complaint, he said he could not discuss my daughter 's account without proof of legal guardianship. I have the letters from the court that I could forward to him. He all but hung up on me with again no resolution. Based on his actions, I now have another complaint against the company regarding discussing the information on my daughter 's account without proof of my court appointed guardianship. The first collector freely discussed the account based on my verbal statement. The second person said they could n't do that. So someone broke the law. I guess it is their choice as to who they want to determine violated the law ... the first person or the second person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank took a loan application for a buyer on a contract written XX/XX/XXXX.to purchase a home. The loan officer did not do his job by getting the correct and required documents and expediting the loan process in a acceptable time line. The loan was denied 9 weeks later after the letter of pre-approval was given for her purchase nearly 9 weeks earlier, stating her income to dept ratio was too high. Nothing changed in her financial scenario in the time she was waiting to obtain the loan. The buyer and her agent did not speak or understand XXXX very well. The loan officer did not return calls to the agents or the escrow company. The buyer indicated he would go weeks before letting her know where her loan was in the process. I contacted the manager or Chase to voice a complaint. The manager did nothing to help or facilitate the loan. He told me to continue to work with the loan officer. He would not return calls or emails and kept the buyer, buyer 's agent, listing agent and escrow unnotified of the transaction for weeks. The buyer and seller signed XXXX extensions to close. I feel the lender did not act in good faith and it costs the buyer and seller money and time for the agents to continually try to contact the bank for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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:
Chase bank allowed transactions on my behalf that I did not authorize, there is a current fraud case being opened on my behalf. I have tried contacting them and trying to prove my case on several checks and bill payments that I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 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: NJ

Complaint narrative:
I had federal loans and they were sold to a group called Nelnet. Nelnet continually loses my paperwork. Every time I send them my paperwork ( and this is the third time ) it mysteriously vanishes. They send me an email or something in the mail telling me I have an outrageous amount of money due. I call them, fill out the paperwork again, and work out ( or, at least, I thought we had worked out ) a reasonable payment plan. I 'M POOR. I do n't make much money and want to pay my loans back. But Nelnet keeps pulling this - and they 've done it again! I 've sent them my tax information for the third time now and they told me they 'd put me in a payment plan around {$100.00} per month. They just sent me an email saying my next payment would be over {$2000.00}. This is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
CHASE WENT ON MY CREDIT REPORTS WITHOUT WRITTEN AUTHORIZATION 3 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had XXXX in XXXX on XXXX/XXXX/XXXX. The total charge was {$18000.00}. I had to use XXXX credit cards to pay the charge. {$17000.00} on XXXX and {$1800.00} on Chase. The merchant or bank in XXXX charged my cards three times for the amounts above. XXXX was legitimate, the XXXX XXXX they refunded in XXXX, XXXX and the XXXX XXXX was an issue getting it back. However XXXX was diligent and was able to get the third charge returned. Chase has denied the third charge as being a dispute and told me it was my issue. Now they are also saying it 's been too long and they ca n't do anything about it. ( {$1800.00} ). I have been in contact with Chase every week or multiple times a week by e-mail and phone and even sent a registered packet with all the documentation showing there is only XXXX charge - period. I even have an e-mail from the merchant stating the " total '' is {$18000.00}. I did n't know where else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
When I got this loan in XXXX it was promised by both the bank and dealer that if I made payments on this vehicle for twelve months they would then lower the interest rate on this vehicle loan. This never happened. It is now XXXX and the rate is still excessively high and does not qualify for refinancing. This bank is very misleading and I can not wait to get rid of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase continues to put extended holds over 7 days on XXXX particular checking and from XXXX particular account at XXXX. Chase is storing a hold alert in their computer systems to automatically put a hold on these particular deposits. Chase is to make the funds available in 2 business days and they are not doing so. Further they refuse to clear their computer system which is programmed to put a hold on the depsoits into this Chase account from the XXXX account,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/XXXX I opened a business credit card with Chase Bank. I was issued a Mastercard. In XX/XX/XXXX I was encouraged to get paperless online statements which I done because I was told I would always have access to my statements. XX/XX/XXXX my account was sold/traded ( however that is done ) to XXXX business card. In about XX/XX/XXXX I requested hardcopies or online access to my Chase business card purchases from XXXX XXXX up until XXXX took over the account. XXXX tells me that Chase never transferred that information to them. They gave me a contact information for Chase business and they tell me that everything was transferred to XXXX XXXX. Neither company can come up with my statements from XXXX up until XX/XX/XXXX. Each time I request the information I am told it will take thirty days to get it and then when it is sent I only get as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I asked Chase to close my account, due to poor customer service. Chase declined my written request to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX of 2007 opened a credit card account with Chase. The card had three areas of interest to be charged 1. purchases, 2. cash advances, and 3. balance transfers. The interest charges are as following purchases 9.49 %, cash advances started at 19.24 % now is 25.24 %, and balance transfers are 9.49 %. Each month the bill interest charges from all three categories which gave me my minimum billing amount with the principal amount only being applied to the lowest interest rate which would have been for the purchase. I had mostly used the cards for purchases but had a balance transfer of {$1500.00}. and a cash advance of {$1500.00}. never any more than those two amounts. Although the credit card company is charging interest on all three areas since there is principal amounts on all three areas an the bill is being paid on time although mostly at the minimum payment amount. Example of the charges interest charges for purchases were {$210.00}, interest charges for cash advances were {$27.00} and the interest charges for balance transfers were {$18.00} making a minimum payment of {$520.00}. allowing {$260.00} to go towards the principal for the purchase allowing that amount to go lower in principal amount. The problem that I have is that every statement that I have that shows interest that is being charge against the cash advance an is apart of each billing cycle that amount is being charged and then rolled over into the principal amount of the cash advance causing the cash advance to continue to increase without being used beyond the amount originally used by the card holder. Why should the amount being charged every month for the cash advance for interest and being included in the monthly statement as part of the payment an being paid within the billing cycle that amount is being rolled over onto the principal of the cash advance causing the cash advance to increase dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1700.00} still showing so I do n't really understand why the company keep calling me for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a bank account at Chase. It has maybe XXXX to XXXX transactions a year. 
XX/XX/2015, someone went into a Chase branch and obtained a ATM card to my account. This person withdrew all the funds from my account. I was notified when Chase Emailed me that the account was overdrawn. I filed a claim through the Chase system, and they denied my claim. Chase says they see no evidence of fraud. 
So Chase gives a crook an ATM card to my account, and Chase says to me too bad, your money is gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX 

Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record .... 

I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A business with its own Federal EIN tax ID opened a credit card account on XXXX XXXX, XXXX with CHASE CARD under the Account Number XXXX where myself and another individual were listed contacts on this card account. This account had an outstanding balance and late payments and became delinquent from XXXX XXXX through XXXX XXXX. Then, CHASE CARD reported these late payments on my personal individual credit profile to all XXXX credit reporting agencies, even though this was a business account with its own tax ID and I did not have control over payments for the business. In XXXX XXXX, CHASE CARD ensured me on a phone call that if I settle the account, all derogatory and negative remarks would be removed from all my personal credit reports. The business account was settled for less than full and closed in XXXX XXXX. In XXXX XXXX, I saw that CHASE CARD had reported on my personal individual credit profile to all XXXX credit reporting agencies that the account was settled for less than full and this was a negative remark, which would not be removed from my personal credit profile until XXXX XXXX. The XXXX issues I have is that 1 ) Chase reported derogatory remarks for a business account to my personal credit profile and 2 ) Chase did not remove all negative remarks as promised upon settlement of the account.

Company response to consumer: Closed with explanation