vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: AZ

Complaint narrative:
I was enrolled at the XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX. I 've filed for loan forgiveness with the U.S. Department of Education. Not only did I have federal Loans but I also had private loans with Genesis Lending which I have since paid off. I was doing additional research on your website and located the page the discussed CFPB is seeking redress for all the private student loans made since XXXX XXXX, XXXX, including those that have been paid off. I am reaching out to see if I am eligible for reimbursement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is closing my oldest credit line without any notice to me to save it and without disclosing an inactivity policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved ; debt was verified and they would n't take it off from my credit reports. It is hurting my credit badly. I badly need help to get it removed from all my credit reports and stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Recently, Chase has updated their web site which has made it almost useless. You can not find the information you need. I had to revert back to paper statements because their system is so obtuse. I also rarely use their online payment system because it is so buggy. I really feel that they have done this to make it harder on the consumer and the likelihood is more fees will be charged through no fault of mine. When I contact customer service through their website, no easy task anymore, the answers I get do n't even address what I asked! If I could pay this off and use another company I would, but I am stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My daughter XXXX. As a result she was XXXX. This was not covered by insurance so I paid in advance for her to attend the facility for 30 days at {$550.00} a day, authorizing a one-time charge of {$16000.00} to my credit card. After 30 days, she stopped using the facility. Two weeks after she left the facility, a second charge for another {$16000.00} appeared on my card. This charge was not authorized and, unknown to me, the merchant had retained the card information I had previously provided and used that information to charge the card a second time. I tried to call the merchant but they did not return my calls. I called Chase Visa to report this charge as fraud. Chase accepted that this was fraud, canceled the charge and issued me with a new card. Four months later, and after I had destroyed my records, I received a call from the Chase Fraud Review department claiming this was not fraud but a merchant dispute. The representative on the recorded call put an enormous amount of pressure on me ( this can be reviewed ) to agree that this was a merchant dispute but I declined to do so. 
My complaint : 1. This WAS fraud. This charge was not authorized by me and Chase can provide me with no record of its authorization. No goods or services were provided for this charge. I want Chase to treat this as fraud 2. The fraudulent charge appeared on my account on XX/XX/XXXX. Chase contacted me today ( XX/XX/XXXX ) to tell me that they now considered this a merchant transaction. Too long a time period passed between these events, which meant that I had discarded my information and notes about this fraudulent charge. 3. The representative to whom I spoke put undue and unfair pressure on me to convert this fraudulent charge into a merchant dispute with today 's date. 

Restitution : I would like this fraud to be seen as what it is and no record of these events to affect my credit standing in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been told the payment has n't posted but I have mailed the payment two weeks ago. I have had a problem with Amazon Chase before with excessive overdraft fees. I do n't know when the next problem with this company will happen. Please help me to close the account without financial hard ship. Please I need help with this credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process, Chase had closed my prior MOrtagage with XXXXBank and HELOC as well. 
It has come to knowledge that XXXX Bank has charged {$500.00}, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. 
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank, resulting in pre-closing penality of {$500.00} to me. 
I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. 
This is complaint, that I would like to begin filing to Consumer Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DLC, LLC
State: CA

Complaint narrative:
I applied for an installment loan for XXXX with monthly payments of XXXX for 12 months. I had no idea this was payday lender or loan.The lender looks like a bank and the employee told me that this was a monthly installment loan due in 30 days. She had me to bring my bank statements and most recent paycheck stubs, they also ran a credit report. Exactly 8 days later she phoned and demanded payment of XXXX every pay day which equals XXXX per month. I did not apply for this type of loan. I was mislead! This is an impossible situation. I would have NEVER applied for a loan with these terms -I borrowed XXXX and would be paying back XXXX in 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is in dispute of my Case number : XXXX. I am not disputing Chase 's closure of my account. I am disputing whether or not Chase has the authority to require the writer of the check who is not related to Chase ( his bank is XXXX XXXX Bank ) to physically appear at a Chase location with me, in order for me to to receive the {$3500.00} that Chase has already been paid by XXXX and is still holding in their suspense account for the past four months. Can Chase arbitrarily hold funds and require the writer from a third party bank to appear at a Chase location to present his/her identification? If this is not arbitrary, then what was the basis of Chase 's decision to do this? It certainly appears either predatory against smaller banks, or possibly discriminatory against the person presenting the check to the teller at Chase ( as discussed in initial complaint, check was written and cashed into my account by XXXX XXXX, a signer on the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a letter on XXXX XXXX, 2016 from Chase stating that they were closing my account effective XXXX XXXX 2016 because " continuing the relationship creates possible reputational risk '' to their company. I immediately called Chase at the number provided on the letter. They then connected me with an " account specialist '' who really had no answer for me. All she said was that " chase has made a decision to end the relationship with my account and will be closing it ''! I asked why? No answer was given other than she had no notes in the system that could explain their reasoning??? I have not been late on a payment, never missed a payment and my balance is low! This will cause a negative effect on my credit score without just cause or reason. I would like Chase to reverse this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I took out about {$65000.00} of loans at a low rate of less than 4 %. Over time, the interest rate has gone up over 8 %. I now owe about {$120000.00}. FedLoan is calling that the principal balance. I paid about {$11000.00} in 2015 in payments, but only about {$2100.00} is going to principle ; the rest is interest. It is ruining my life and I need help. I can not save for retirement or hope to help my child with college. I sold my home to have a chunk of cash to pay off the loan and start over financially. Can you help me negotiate a fair amount to pay? I can pay it today, but I can not pay {$120000.00}. I can not get to someone in Fedloan to discuss a change ... all I get are the people who answer the phone and say that none of the programs will help me and I am just out of luck. 
Original balance if loans {$65000.00} They say the principal balance is {$110000.00} My payment of {$990.00} to pay off the balance as it currently stands is for 273 months. I have paid 10s of thousands of dollars already. This will make my payoff {$270000.00} for a $ XXXX loan at a low interest rate. This is not right. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I payed off my credit card and the account is closed.Chase is giving me the run around about refunding my overpayment of {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, California, CFPB Complaint No. : XXXX XXXX XXXX : Thank you for your response to the above referenced matter. I find that response to be rather dismissive, condescending and misleading. As Trustee of a Trust XXXX operates in a fiduciary capacity in regard to the beneficiaries of the Trust and is solely responsible for the actions and conduct of the Trust according to its provisions unless it is co Trustee with another entity or individual. To attempt to differentiate ownership between the Trust and the Trustee is patently misleading when you know that the Trustee controls all fot he actions of the trust regardless of the nature of the trust. 

I am requesting that you particularly and specifically clarify XXXX XXXX XXXX relationship to this transaction regarding the acquisition, maintenance and, subsequent disposition of title to this property. If I believe that you are intentionally attempting to mislead me I will commence proceedings with the Office of the Comptroller of the Currency and such other federal regulatory agencies as are appropriate. 

To indicate that XXXX XXXX was not involved with this matter in its individual capacity is to fail to state in just what capacity it was involved and is therefore intentionally deceitful. Do not trifle with me regarding this matter by providing half truths and half answers in an attempt to run me around in semantical circles. 

If XXXX was not the lender or servicer for this property, please state the name, address, loan number, amount and term of the loan, insurer of title and any other pertinent information regarding the lender and the same for each servicer of the lender 's loan, including the date of servicing. 

I am presently in contact with Chase regarding its involvement in this matter and it has already admitted to complicity and liability. I am seeking information regarding XXXX XXXX complicity in this matter on any level and would appreciate your full and unrestrained cooperation in that regard. 

I appreciate your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is regarding online purchase of a product from Amazon, USA. I am prime member of Amazon and I was planning to buy an XXXX for self and proceeding to check out. 

When I added the item to the cart, XXXX website prompted me with a offer to Apply for a credit card to get instant XXXX $ discount upon approval. System showed me the details Product price is {$240.00}, after approval I would be eligible for {$70.00} discount immediately and final amount I would have to pay is {$170.00}. 

I found the deal interesting assuming that I would get an instant approval or rejected option and purchase the item. 

Then I went ahead and filled all details on Amazon website to apply for the Amazon credit card to avail the discount. 

When I submitted the application, to my surprise I got a message that my application would be reviewed and the status would be notified within 30 days. 

I think this is clear case of misleading the customers. Website says instant discount upon approval. So any normal mind person would think the status would be notified immediately. If it has to take 30 days then why would someone wait for 30 days to purchase a product. Hence I wanted to cancel my application. 

I made multiple calls to amazon customer care and spoke with XXXX ( team lead ), XXXX, XXXX and XXXX ( Lead ). 

They were helpless and connected me to XXXX. XXXX executives asked to contact Chase Bank. Chase Bank executive ( XXXX ) said she is helpless. My application is still in pending status and ca n't be canceled. She asked to circle back and contact Amazon customer care to get a clarity on such discount information displayed on their website. 

Since 1 hour I am struggling with everyone to get my application canceled. I do n't want my credit card get approved as I ca n't take benefit of the deal after 30 days. 

I believe this a clear misleading information to encourage customer to apply for credit card and once it 's submitted, customer does not get any benefit since card goes for an approval process which may get delayed by 30 days. 

I request you to please help and get my application canceled and also please ensure such misleading information is controlled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/16 Chase bank XXXX no XXXX XXXX XXXX CA. The ATM withdraw of {$400.00} Atm did't give the cash We went inside to draw the money the account showed a ATm withdraw of {$400.00}, but we did't get the money.Showed the banker the ATM slip showing we did n't money So they put the money back into the account. But a month later they took it out again. saying it not on there summery of transaction. Now every bill has bounce I 'm about to homeless..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!

Company response to consumer: Closed with explanation