vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My house flooded, I have received my insurance claim, and my bank is holding it. A few problems with this, for one, the amount of the check is for more than I owe on my Mortgage, legally my money. second is I have used my own funds to pay a licensed contractor to begin works, and filed all the paperwork in XX/XX/XXXX they are making to problematic to recoup my fund, 3rd they have questioned my Power of Attorney. Thus holding up transfers. The amount of money is XXXX total, they are slow to respond, and simply are taking way too long to get me the funds. So far only " releasing XXXX ''. They want to mail a check is 6 business days ... ..and continue to maintain they have not gotten paperwork that has been sent 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank has charged me {$740.00} dollars in overdraft fees this year alone. After complaining and threatening to close my account, they refunded me XXXX of these overdraft fees. In total, they have taken {$570.00} in the last year alone. Due to their predatory ways, I closed my account with them on XXXX/XXXX/2015 by sending them a message to close the account ( as is allowed per their website ). However, they never did close my account and allowed several other transactions to post. Yesterday, XXXX XXXX, 2015 XXXX transactions posted, totaling {$48.00}. In order to avoid the overdraft fees, I deposited a check from the bank I am currently using into my account on the same day. However, as they do, they still charged me XXXX {$34.00} fees. Now I owe them {$64.00} in overdraft fees for {$48.00} transactions. I have contacted them asking them to refund the fees, but they will not. Nor will they close my account. The fees are not valid because first of all, my account should have been closed, and second of all, I deposited funds into the account on the same business day to prevent the overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never received any notice to dispute amount in question

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I ca n't pay for my private student loans. They have ballooned to more than double what I borrowed. I feel like I have a " payday '' student loan. They want me to pay over {$220000.00}, who can afford to pay that? They were marketed to me as a way to pay for the things you want or need while in college. To buy books, a nice apartment or even a new car. I got emails frequently saying it 's time to sign up again for your Chase Education One loan. I thought the Chase loans were different than the XXXX XXXX loans because XXXX XXXX mentions additional fees in their advertisements were as Chase did not. 

Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance. 

I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default. 

Now that information is becoming more available I have learned in order to get them out of default I have find find a competed private student loan attorney, pay $ 2-4000 in lawyer fees and another $ 4-8000 as a good faith deposit just to get them out of default. Likely many, I could n't come up with all those fees and now I am being summons to court. How can I while making $ XXXXk a year afford to get caught up on these loans, let alone pay off the loans. These loans have left me helpless and hopeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC
State: MI

Complaint narrative:
I have received many calls from Premium Receivables ( XXXX ) in the last few weeks. They call while I 'm at work and unable to answer and leave threatening voicemails on my cell phone. They say that I owe money and if I do n't call back within XXXX hours they are going to sue me. I did return their call, and they refused to tell me who the creditor was or what the supposed debt was for. I asked them to send me a statement in the mail so I could verify and they refused to do that as well. They continue to call me almost every day, and now they are calling family members at locations I have never lived. They have told my parents that they will sue me if I do n't pay them within XXXX hours. They also told my parents that this debt was for a property I previously rented. They disclosed more information to third parties than they would even tell me when I talked to them. I have no outstanding debt relating to that property, so I do n't believe this is even a valid debt, but since they refuse to send me any form of verification, I have no idea what it is for. They are threatening and harassing not only myself, but also my family while refusing to provide any information that I could use to verify the debt and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have had a home mortgage with Chase for the past 4 years. They have never calculated the impound accounts correctly and cycle back and forth between shortage and over-payment. This in itself is simply a nuisance and probable means nothing, but this past year I got upset and called them in reference and a better explanation of what was going on, and I believe I was lied to. They not only charged us the annual calculation of taxes and insurance but they added a two month premium on and above the annual total based on the " SRTR '' ( sorry this acronym may not be correct as they would not repeat it because I insisted on knowing more about the regulation - and formally requested a written copy of it ) rules. For both - this equaled nearly {$750.00}. I asked for a copy of these rules and also requested a clarification of who the is regulating agency is, and at least a conversation with anyone who could tell me what the acronym stood for. After spending a lengthy time on hold ironically my customer service agent was not able to find anyone that knew anything about the regulation, or who is the regulating agency. 
In Summary, I believe Chase has instituted a policy to hold XXXX additional months of escrow on all their mortgages - my rough calculations based on internet information leads me to believe they are holding nearly XXXX XXXX dollars every month that belongs to their mortgage customers. FYI - I did not finance with Chase they purchased our mortgage from our original lender so I did not agree to this policy. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card company, Chase, with whom I have already opened XXXX complaint with CFPB, is re fusing to act responsibly with another dispute involving a foreign transaction, this time XXXX concerning an unauthorized charge placed against my card by a XXXX car rental agency. As with the first complaint filed with the CFPB, Chase is effectively ignoring the substance of substance of my argument and/or documents I have provided that show a charge is bogus. In each case, after several iterations, Chase basically has stated, in writing, that I have not shown that the disputed charge is fraudulent or the result of a lost or stolen card. What I have shown, however, is that the original rental documentation does not provide for a fee that was charged when the car was returned. I provided Chase with a copy of the original rental documentation, and yet Chase apparently does not read what is provided by a customer ; rather, it sends letters stating that it ca n't do anything about the charge and that the charge will therefore be reinstated and I can take the issue up with the entity placing the charge against my account. Chase clearly knows that both of my disputes are with XXXXbased entities, and so there is no practical way for me to pursue getting a credit from them. In the first instance, Chase has consistently been unable to identify the agency that put the charge on my card, and its authorization. In the case of this new dispute opened with CFPB, Chase is simply not taking the time to read the documentation I provided, which will show that the car rental was paid in full, and that no additional fee at return time was justified. I do n't understand how Chase can simply brush off a customer 's legitimate dispute, but it is happening to me in XXXX instances. I really hope that CFPB has sufficient law and regulations to make Chase act consistent with the law. I really believe it is being derelict and should not be allowed to get away with it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
I was over charged for a vehicle that I had purchased from Herbies Auto Sales located in XXXX XXXX XXXX XXXX, XXXX, CO XXXX on XXXX/XXXX/2012 and it was reposed because I found out they over charged me for a vehicle that had a salvage title. I refused to pay them and I told them to come and pick up the car witch they did they then sent it to collections and I have had trouble purchasing a vehicle since. Please help me I have written letter after letter to the XXXX and they refuse to take this off my credit report. Please help me to dispute this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed into signing up for XXXX, an online auction site and made a {$60.00} payment for 'bids '. Shortly thereafter, within an hour, I discovered the scam and called Amazon Rewards who issued the XXXX card through Chase Bank. I asked them to cancel the transaction. The story they gave me was that even though the charge had not gone through at that point they could not cancel it. I was told by some non-native english speaker whose name I could not understand that I had to wait a few days and then I could dispute the charge. No, they would not call me back when this dispute could take place. No, they would not reverse the charge. 

I contacted XXXX and tried to cancel there as well ( within an hour of the charge ) and have not heard anything from them nor am I expecting a company like that to respond. 

The point is that I have no control over the charge. The credit card company is apparently representing any merchant against me, the card holder whose money is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Business account holder. I sent money to a company for a service that was not completed through their " Chase Quick Pay '' system. I called Chase bank numerous times and spoke with senior support representatives only to be repeatedly told that they could not offer any protections for electronic money transfer. This is unacceptable, consumers need to have some sort of recourse in the event of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Due to countless XXXX issue and my being on XXXX, we were offered a loan modification in the XX/XX/2014 and instead of helping lower our monthly payment they attempted to raise it by {$210.00} a month and said it was a very good deal and I should sign it. Of course I refused to sign papers and they, without permission held my XXXX payment so we would be in arrears and they could proceed with the modification in spite of my declining it. We want them to lower our payments by reducing our loan and reducing the rate, we do n't qualify for HARP and I know they have programs available they wo n't tell anyone about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 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:
XXXX/XXXX/16, I attempted to make a deposit of XXXX checks at the ATM at Chase bank in XXXX XXXX, California. It ate the XXXX XXXX checks for a total of {$1700.00} and returned the other XXXX checks back to me w/o any verification of the XXXX checks it did not return. When i got home i called them and after about 30 minutes of repetively being put on hold i was told they found the XXXX checks and that they would be credited to my account and it would show in a couple of hours. XXXX/XXXX/16, i still do not show the deposit that Chase online said would be posted to my account. When i called them today they have again put me on hold for over 30 minutes and if i ask for a supervisor they usually put me on hold and never come back. I 've had that happen 3 times today. The XXXX line person refuses to identify themselves by name or ID badge so i ca n't even hold them accountable for never coming back to the phone. I am now out {$1700.00} with only a promise that it wlll be posted to my account. The first promise is now broken. It 's very difficult to pay my bills when they 've " stolen '' my money and i 've done nothing wrong other than make an ATM deposit. Their customer service simply stinks. I spend all my time answering their ID questions and no time getting answers to what happened to my money and when i will get it credited to my account. Guess this is what you get when you bank at a " too big to fail bank ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid the debt off and the collection company is still reporting as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.

Company response to consumer: Closed with explanation