vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 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:
I have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Nelnet, Inc.
State: OK

Complaint narrative:
My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I transferred {$300.00} from Chase quick pay to My sister 's XXXX account by using her phone number as an identification. She got the message that the money will be deposited and the confirmation number. However, she never received the money. I talked to Chase, and they said the money was deposited to a XXXX account which was not my sister 's account. XXXX said my sister registered her phone number after the money was transferred, so the money was deposited to another account. Is n't the money supposed to be in transit if the phone number was not registered and will be kicked back to my Chase account? My sister has been using this phone number for 3 years. So her phone number could be stolen. And now XXXX has no way to chase back the money. This is absolutely unfair to me. XXXX does not even take my claim. I claimed with Chase, however the dispute was not successful since they can not connect to the person who has the money. If they tried to called the person, then my sister could get the phone call, but she never did. So i am wondering if XXXX really tried to connect the person who gets the money and helped me chase back the money. The service of XXXX was really really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi Chase is harassing me for a payment that I made. But they refuse to look at the proof and keep at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is an update to case file XXXX. I had mistaken and was confused. I only applied for XXXX card and that 's the freedom. There were fraudulent transaction on it. The only valid charge is the first online charge for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, I was issued a XXXX from Chase Bank for a debt they cancelled. I have contacted all three credit bureaus to have the information updated but Chase has not updated my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Paragon Revenue Group has continually harassed me through repeated phone calls. The associate XXXX has threatened me and has spoken harshly to me when I requested time to investigate the charges I allegedly owe to a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I disputed an account with Chase Auto Finance with the XXXX major credit bureaus and directly with CAF The credit bureaus and CAF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA. 

They are also listing different information across all XXXX credit reports which is also another violation of the FCRA since the information has been verified. 

XXXX is reporting a high credit of {$6300.00} while XXXX and XXXX are reporting a high credit of {$22000.00}. How can that be possible? 

Then the last reported date on XXXX is XX/XX/XXXX while on XXXX and XXXX are reporting the last reported date as XX/XX/XXXX. That means no real investigation was ever done when i submitted my disputes and just generic responses were given. 

I sent Chase Auto Finance two letters and they failed to properly validate or verify the account and denied to give me what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was unknowingly charged a {$14.00} cash advanced fee on a credit card charge. I would have never made this charge if i knew it would be logged by my bank as a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made an extra payment of {$200.00} on my Chase VISA card. Due to a circumstance I still do n't understand, the money was not there and so the deposit did n't go through. Now Chase is holding my deposits for UP TO TWO WEEKS after it receives my money before it makes the money available to me. This is ruining my credit because I have automatic payments coming from the card. I have had this card since 2001 and this is the first time to my knowledge that this has happened. Chase now says they will do this for UP TO SIX MONTHS. This is outrageous. What right have they to hold my money and make money off of it instead of making the money available to me once I pay my bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My Chase XXXX west card is charging me 19.21 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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: MA

Complaint narrative:
On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase XXXX checking account on XXXX XXXX of 2016. I wanted to use a coupon offer I received in the mail for {$300.00}, I provided the coupon when I opened the account. I have met all the requirements that were required to receive the {$300.00} bonus, I have asked several times for them to honor the coupon and my requests have been ignored. It has been nearly 3 months and I have yet to receive the {$300.00} bonus that Chase has promised me. I have no choice but to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I never applied for credit card to Amazon / CHASE OR any other agency such as XXXX, XXXX XXXX, XXXX XXXX, XXXX etc. Today I got a AMAZON.COM REWARDS CREDIT CARDS FROM CHASE BANK. 
THOSE COMPANY RAN MY CREDIT SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently became aware of a loan they received against their equity line in XXXX. The initial loan is listed in the amount of {$50000.00}, in which they used {$25000.00} to pay for repairs on their home they 've lived in since XXXX. The loan was issued with an adjustable interest rate. As of date, they have paid interest on the loan in a sum that is well over the amount of the {$25000.00} they 've used. 

They were solicited by Chase and refinanced their main mortgage in XXXX. My concern is no one advised them to wrap the adjustable equity line with their primary mortgage. I am writing to request your investigation into this matter and to come up with solution to resolve the equity line loan amount by wrapping it into their main mortgage or any other sensible option. I am aware that a refinance may be the solution, however, they are not in a financial position to pay any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for an Amazon.com rewards visa card, was promised a {$70.00} Amazon.com gift card upon approval, but was only issued a {$50.00} card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received from chase bank an unsolicited Amazon rewards visa credit card in my name with a XXXX line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My husbands name was on my house 's mortgage. He passed away XXXX 2012. Since then I have paid the mortgage and have received a XXXX form for income tax filing. This year, Chase has decided that they do not need to send me this form and report the interest I have paid. I have paid the interest from my personal checking account and my name was on the deed even before my husband 's passing ( done at the time of purchase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank debited {$1300.00} from my account. Mother gifted money many times from her account in " quickpay '' mother passed away and disgruntled sibling says money not gifted. I feel the bank has not looked into this, if so they would see that this gifting of monies is something that has been done for more then 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase is current reporting an account on my credit report as a charged-off account. However this charge-off account is also illicitly being reporting with a past due balance, and showing that its an active account. In doing so Chase is illicitly harming my credit more than legally permissible. I have brought this issue up with Chase through the credit bureaus but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After being XXXX from XXXX XXXX status as a XXXX XXXX XXXX my credit card company, Chase Bank Card Services decrease my credit limits and increase my APR rate with out notification. After contacting Chase JP Morgan bank, they claimed they received late payments. I advise them, I never paid my account late, and I was recently released from XXXX XXXX and was not given proper notice of any change in the card agreement or notice of changes in payments or new interest rate. My understanding SCRA trigger certain requirements under the Truth in Lending Act and Reg Z. Generally, a credit card company may only increase the interest rate and any fees or charges to the same amount that applied before the start of XXXX XXXX ; a 45-day advance notice of change in terms must be provided after a member is no longer on XXXX XXXX before the credit card company can increase the annual percentage rate to the contract rate, or increase any fees or other charges that were reduced or eliminated. This adverse action caused an adverse affect on my FICO score and made it difficulty for me in seeking future gainful employment, and has caused challenging experience refinancing my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have received numerous unsolicited advertisements form XXXX Mileage Plus Visa credit card. I have attempted to contact them numerous times to remove my name from their mailing list. It is impossible to actually speak with someone who has the ability to remove my name as there are numerous transfers and extensive hold times ( over 10 minutes ). This company is putting my personal information at risk and refuses to comply with my requests.

Company response to consumer: Closed with explanation