vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My XXXX child was hit by a commercial van on XX/XX/XXXX. We almost lost her, there was an extensive hospitalization. I lost my husband on XX/XX/XXXX from XXXX. I was left with XXXX children ; my XXXX has XXXX and XXXX, myXXXX child was born with XXXX and XXXX. 
I work as a XXXX and struggle daily with the financial obligations of homeownership and medical expenses for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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 called JP Morgan Chase on XX/XX/2017 asking to look into some weird spending activity at an ATM. The amount of {$82.00} was withdrawn 4 times, on a day I know I did not go to an ATM, and I would never withdraw the same amount 4 times. After looking into it with an agent, spending a long time on the phone, and probably recorded, she reported that that Non Chase ATM was in a location I could not have been at. So I began to look into other Non Chase ATM withdrawals I could not see the location of and discovered, while on the phone with her, that I had a total of over {$1100.00} fraudulent Non Chase ATM withdrawals. A clone card was made and somehow they were making withdrawals ( boggles my mind ). There were XXXX in total, ranging from XX/XX/2017 to XX/XX/2017 I reported the claim the very next day, or maybe even same day on XX/XX/2017, with a form I have a copy of. I was forwarded the amount taken fraudulently out of my account. Then on XX/XX/2017 I was sent notice from Chase, saying that my claims were not valid and the money was taken back out of my account. I called the claims line and was told, not because the claim and fraud was n't true, but because I had checked my account at a time earlier and had not reported the fraud ( that I did not see ) tat I was at fault. I had not reported it because I did not know it was fraudulent because the description only says " Non Chase ATM withdrawal ''. I make a lot of Non Chase ATM withdrawals, and may have only been checking for a particular transaction, not noticing the fraud. I actually only realized and became aware of the fraud on the phone with the agent, and if the call was taped there is proof of that, on the call. After I found out one withdrawal was at one location, I had her check another and another. Remember this is only a matter of 7 days from beginning activity to reporting it. When I called I was told that I could not appeal and that Chase could not be responsible because I had checked my account. I told them I did not realize there had been fraudulent activity till I called in. I have been told this a violation of Reg E ( 1005.6 ), the Electronic Funds Transfer Act, which limits liability to consumer if you report it within 2 days of **learning of the fraud**. In other words, not since it happened. As I said the " Learning '' happened while I was on the phone to them, and it is on tape. Quite obviously the fraud is true, the money was taken out of my account, and I did not know about it till I was on the phone to Chase. Why am I being penalized? Is there anything you can do to help, or anyone I can talk to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied on the phone to upgrade my Chase card to the New Chase Platinum Reward card..I was assured that for XXXX dollars a year, I would receive many new befits including XXXX bonus points..I needed to spend XXXX dollars in the first 3 months..I spend XXXX, and still no points..So I call and they say I am not eligible ... that I was given misInformation from their employee ... .and I am ineligible for the bonus ... with no reason other than that I did not apply for the card..I have has this card for many months having applied on the phone and assured of the benefits before agreeing to a XXXX a year card over my free card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 we went into the Chase Bank branch in XXXX XXXX, CA to open an account for our new business. Initially after meeting with the banker at the branch we were given account materials, debit cards, etc ( Act # XXXX ). Apparently, after whatever internal review, the next day, Chase decided that they " no longer wanted to do business '' with us. That is understandable, and acceptable, and that of course is their right. However, what we are quite concerned about is that the bank was willing to provide us with a notice of adverse action. In addition, we received a letter dated XXXX, XXXX, 2015, that suggested that we would be subject to " negative credit reporting '' due to transactions/our relationship with the bank. In this situation, it seems that there in essence was not a relationship with the bank, but rather a " no harm, no fowl '' type of situation. It was our understanding that the account was closed. Upon further review it apparently is not. We then went to the branch on XXXX/XXXX/2015 and demanded that our account with them be closed immediately, and any reporting state that the account is closed by us. We do not wish for the account to remain open, and do not wish to wait for Chase 's internal system dictating to us when the account will close. This is a DDA, and therefore we have the right to ask that it is immediately closed. 

In addition, we are asking for insurance that since there were not any negative/fraudulent activity on the account, that any negative reporting not take place

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
l was unemployed for 9 month from XXXX to XXXX XXXX in XXXX applied for mortgage modification with JP Morgan chase my lender and I was told I needed to have 3 month of default to get any help. So I defaulted 3 months and in XXXX I applied and got approved for mortgage modification trial starting XXXX XXXX. I made my XXXX XXXX payment with the amount they set in modification. on XXXX XXXX XXXX dropped of the paperwork that needed signed and returned to chase by XXXX XXXX we had travelled away for XXXX holiday and when we returned on the XXXX XXXX we sighed and XXXX the paper work back to chase. on XXXX XXXX we received a letter from chase stating that we were no longer in the mortgage modification plan and our home was being escalated into foreclosure process if we did n't submit the defaulted payment. we contacted chase and they said they received our signed paperwork late on XXXX XXXX and for that reason we were no longer in the modification plan. we have contacted chase XXXX XXXX XXXX several times on XXXX XXXX I was told by that my application is going to be activated again. on XXXX XXXX I called to make my monthly payment and the customer service refused to take my payment citing that I need to pay minimum {$3000.00} on defaulted account since I was no longer on modified plan. I called back chase this to ask how and where to make my payment and they told me they cant take modified amount and if they do n't receive payment by XXXX XXXX my home will be foreclosed on. the signed document that chase has said they arrived late are date XXXX XXXX when I told chase that due to the holiday may that 's why you received mail late. they told me that 's not their problem that they need those documents by XXXX. when I asked chase why they waited until XXXX XXXX to send me the paper work and nobody knows why. I asked the paper work over and over they kept saying it was coming and when it came we were gone out of town for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I will continue filing complaints until Chase decides they are willing to help me and the XXXX of other borrowers in financial distress and no way out. I have repeatedly asked chase for some type of modification to lower my loan payments - denied every single time by Chase. I desperately want to pay my loans, as well as my cosigner but we are in desperate need for some type of relief. XXXX, when I spoke to them on the phone, informed me that I can only get a modification once every 12 months - this was not disclosed during the initial round of questioning when I first requested lower payments. What is happening here is completely and utterly wrong - I am begging Chase to make payments that are lower than the current payment. I am not understanding why a agreement can be made to allow me to continue to afford food and living expenses as well as paying my loan. Thank you for issuing a non certified student loan and being unwilling to help the borrower make payments to the loan. PLEASE ALLOW ME TO LOWER MY PAYMENT TO THE XXXX THAT WAS AGREED UPON ORIGINALLY. PLEASE EXTEND THIS FOR 6 MONTHS THAT IS ALL I AM ASKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In 2014 I was contacted by a company named XXXX and offered the opportunity to make money online with their XXXX online business. I paid them {$4600.00} for one years XXXX program and XXXX affiliate pages. I only received XXXX pages and a virtual XXXX download that disappeared from my computer. When I noticed that my XXXX was missing I contacted the company was told that they were relocating out of the country but would still honor their contract. Needless to say, they did not honor their contract. The services were not provided. I was ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Re : Discriminatory Practices This Formal Complaint is against JP Morgan Chase Bank and the Bank Manager XXXX XXXX XXXX. On XXXX/XXXX/16 at approximately XXXX XXXX I entered the bank ( XXXX XXXX XXXX XXXX ) to make a deposit. 

While standing on line, a customer in front of me walked up to the bank teller and handed the teller his money and deposit slip only, and his transaction was processed. 

I walked up to the teller and handed my deposit slip and money to him. He immediately requested to see my I.D, I then politely asked why do I have to produce my I.D and the gentlemen standing at the teller window next to him did not have to produce his I.D . He replied " that 's a business customer and they do n't have to show their identification '' I then requested to speak with the bank supervisor. 

XXXX XXXX came to the window, and I asked him the same question and he gave me a different answer stating " the teller knows that customer that 's why he did n't have to show his I.D I then replied " is that fair, is this really the policy '' He then stated " some customers do n't have to show their I.D because it states KNOWN CUSTOMER on their account. I then replied that does not make sense. He then stated in a boisterous manner " I know my bank policies do you '' I then asked, am I 'm being targeted because I 'm XXXX. He replied in a very condescending matter " I 'm offended that you would say that because I 'm XXXX XXXX and I 'm darker then you '' I then requested his business card, which he gave me. I then made my deposit with my I.D and left the bank. 

I received XXXX different explanations has to why I had to show my I.D and the XXXX male customers did n't. For over 10 years I 've been doing business with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: AL

Complaint narrative:
This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I asked for a bid from a company via email for transfer of a group of XXXX people, about XXXX miles from a city to the start of the trail. I received a bid via email for the transfer of {$590.00} each way. When I received the XXXX bill the charge was {$2000.00}. I disputed the bill with XXXX. When XXXX rejected my dispute I asked for a copy of the merchants reply to the dispute. The merchant had changed the price from {$590.00} to {$950.00} each way and added extra charges without ever informing that he had changed the prices and was going to add extra charges. There was no contract. When I tried to talk to him in person about a refund for return the trip which I canceled 7 days before we were to return to the city he told me he had a 30 day cancelation policy. At that point I did not know he had changed the fee and had added extra charges. ( I canceled the return trip ( ( XXXX phone calls, XXXX which went on to the company 's answer phone and XXXX to an employee of the company ) ) as the group 's air flights to the east coast were all canceled because the east coast airports were closed due to heavy snow and blizzards. ) I have tried to contact him to resolve the dispute via email, by registered signature required mail and by " sort box '' mail where I have a tracking number and time that the letter was placed in his PO box . He has refused to respond to me. 
I have disputed the fraud charges with XXXX 3 times. XXXX has supported the merchant and this fraudulent charges 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XXXX/XXXX/2015 I opened a checking account with JP Morgan Chase Bank to wit : XXXX XXXX XXXX, XXXX XXXX, CT XXXX using cash from my profit sharing funds from a former employer. After receiving my debit card then received a letter demanding that I provide proof of residence, a utility bill and/or a cellular phone bill. I reside at XXXX XXXX in XXXX XXXX CT which is classified as a boarding house and make weekly payments which provided me with a letter of residence as no lease agreement exists and all utilities are inclusive. I then provided a copy of my cell phone bill which was provided for a nominal fee as the company I am contracted with does not mail out statements they provided on line via e-mail. Neither were accepted. I was informed if did not provide adequate proof the account would be closed. Approximately a week later I attempted to use the bank issued debit card and was informed the account had been closed. I contacted Chase Bank and was in formed that a check with the remaining funds would be sent to my address and the address was verified. I was informed that this action would take 3 to 4 weeks. Having not received the funds I contacted the bank and was informed that the check was sent a trace was needed. I then waited an additional 2 weeks and received nothing. I have made several attempts to contact the bank in question and have only been able to leave a voice mail and NO representative has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This issue has occurred multiple times. In the most recent case, I contacted Chase via their online messaging system and called them to notify them I would be purchasing appliances totaling about {$2500.00}. My account is in good standing. Despite this they declined my purchase due to " security reasons ''. With this Chase Sapphire card, I pay an annual fee of {$100.00}. Part of the reason I pay this fee is that Chase claims to provide a number of benefits including damage and price protection on goods purchased. However, when they deny my larger transactions, I essentially have no way of utilizing their advertised benefits. I believe is this deceitful and essentially false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I asked multiple times to cancel PMI on my loan, and they continued to refuse. The only way I could reduce PMI was to refinance with a different lender, costing the time and expense of refinancing.

Company response to consumer: Closed with explanation