vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I owed Chase {$110000.00} for my mortgage then they incorrectly added XXXX as a " loan maintenance fee '' which they tell me is the correct amount for compound interest due to my loan modification. I do not think this compound interest is correct and would like this amount corrected -- my original interest rate was 4.87 % pre-modification. At one point my loan was paid down to as low as {$110000.00}. I had a HAMP modification starting in XX/XX/XXXX and Chase would repeatedly lose my paperwork and delay finalizing my modification for 2 years where in the meantime they put my money in a suspense account and racked up " loan maintenance fees. '' 1 ) I do not know where they got this $ XXXX number came from -- even at my pre-modification interest rate the compound interest does not equal $ XXXX. 2 ) Also, the bank should not profit from delaying my modification just to rack up erroneous and exorbitant fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Trying to work with banks that hold the lien to my clients property. My clients XXXX borrowers ) have to short sale this home because as a rental that tenants were not paying the rent and that put my clients behind also had maintenance issues that came up that the borrowers did not have funds to fix. We got approval from the first who is XXXX after 5 months. So now the XXXX lien holder who is Chase is denying the approval because they are saying that purchase price is too low. The first is giving Chase {$12000.00} to move forward but this does n't seem to phase them, XXXX Chase XXXX as they areare more concered about inccreasing purchase price?! Does n't make sense why second lien holder would not take what I believe is a generous offer from XXXX. My clients are besides themselves. They really thought that we were so close to closing. They have run out of chances! We need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I obtained a home loan from Chase mortgage in XXXX when I bought my home. In XX/XX/XXXX XXXX Mortgage bought my loan from Chase. I still use them and re-financed with them in XXXX. Chase mortgage is still showing on all 3 of my credit reports that I made late payments to them in XXXX & XXXX, when they DID NOT have my mortgage any longer. One of the credit agencies is saying it is too late to dispute because the account has been closed for so long but I am being denied a loan, for something else, because of the negative reports. 
I have attached documentation of both companies showing a mortgage at the same time. I have ONE home and ONE mortgage!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2013, I sold my property located at XXXX XXXX XXXX, XXXX, NY XXXX. At the closing, the first and second mortgage balances with Chase were paid in full. My lawyer disbursed funds to Chase Mortgage for {$630000.00} to satisfy mortgage number XXXX. He also disbursed funds to Chase Mortgage in the amount {$51000.00} to satisfy mortgage number XXXX. 

Despite the property title clearing and the property changing ownership, Chase continues to report a {$7100.00} past due balance to the credit bureaus, and also reports loan # XXXX as " charged off as bad debt '' rather than as " paid. '' I have reported this to the credit bureaus and my lawyer and I have XXXX contacted Chase on repeated occasions to try to remove this. I have been trying to correct it for 3 years. 

As of XXXX/XXXX/XXXX, however, the loan balance and the charge off remain on my credit report- ruining my XXXX score and also preventing me from securing any new credit. 

This is highly unfair and must be rectified immediately! 

Its bad enough that Chase forced me into bankruptcy because of a botched refinance. Continuing to report that I have not paid my debts when I have paid off everything to the penny only adds insult to injury. I certainly hope you can help with this matter. 

My attorney 's information is : XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi, I find Chase Freedom practice to be in violation of UDAAP, the deceptive piece. As a consumer, Balance Transfer portion should be counted differently than Purchase portion on a credit card. Let me give an example. I recently accepted a Balance Transfer offer from Chase. I did a {$1000.00} Balance Transfer. I then made a Purchase of {$500.00}. As a consumer, as long as I pay the Purchase balance ( {$500.00} ) plus the required monthly balance for Balance Transfer, then no interest should be charged on my Purchase portion. However, this is not the case for Chase Freedom! I find this practice to be extremely deceptive. Please look into this matter seriously. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We paid off our home many years ago. Recently we applied for a home equity loan that we needed desperately and quickly. The loan officer called us and told us that while doing the title search, he found that our deed was n't cancelled back in 2000 when it was paid off by XXXX XXXX XXXX as we refinanced at that time with XXXX due to a lower interest rate. We paid XXXX XXXX XXXX off years ago and they cancelled the deed like they were supposed to. But our problem is the bank, Chase, before them. During the title search, he found a sheet of paper with handwriting similar to " Cancelled Deed XXXX & XXXX XXXX '' and a few numbers written on it and that was all. The Clerk of Court 's office blames the bank and the bank blames the Clerk of Court. We have been trying to get this straightened out for months and it 's costing us time and money. A few weeks ago we were told that it was in the mail but last week we were told that this was n't the case and were given names and numbers for us to call. It is Chase bank and XXXX number is XXXX XXXX at XXXX and XXXX XXXX at XXXX. We were given XXXX case numbers, XXXX and XXXX. We 've called and ca n't get in touch with anyone.We worked hard most of our lives and made all the payments until our home was completely paid for but now that we need to use it to borrow money for some unexpected expenses we are having problems. We have been working with the Clerk of Court 's office at XXXX and talking with XXXX XXXX and XXXX XXXX and attempting to get a loan from XXXX and the loan officer is XXXX XXXX XXXX. Thanks for your assistance in this matter. 
Would you please help us get this solved? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I took out a XXXX Chase credit card. The card specified that after {$500.00} in purchases that a {$200.00} credit would be given. The purchases needed to be made within 3 months of taking out the card. In the third month I attempted to make purchases at a pharmacy and the card was denied. The pharmacist tried twice. I then called the XXXX number on the back of the card and was told that the purchase went through. I asked if I was now qualified for the {$200.00} credit and was told yes. I then called the same evening and spoke to representative on the phone to confirm that I had reached the {$500.00} threshold. I was told that the {$200.00} credit takes several months to appear. I checked today because it has not appeared. i was told that they do n't have any record of my purchases going above the {$500.00} threshold. My pharmacy informed me that the purchase that we thought was approved was not! I paid the pharmacy. 

Chase owes me the {$200.00} credit. They refused on the phone today and chose to cancel the card. Can you help me with this. I used the card according to the rules they set out. They chose to block its use at the pharmacy, I called to correct it and was informed that it was OK. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.

Company response to consumer: Closed with explanation