vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mother had to go to an XXXX XXXX facility in XXXX or XXXX. She threw away all of her paperwork ( insurance, loan, etc ) I did not know until she was very ill that she had a reverse mortgage. XXXX bought her loan from XXXX XXXX XXXX. I have a POA and I have been asking XXXX for documents, contracts and a loan history since XXXX of last year. I finally received paperwork in XXXX of XXXX and two days later was informed they are starting to foreclose on her house. Her contract with XXXX XXXX XXXX says the non-occupancy agreement is for 12 months. I believe it should be 12 months from the date I finally got documents. There is more to the story like they did not assign an individual to help me. Also I believe they changed the original contract she had with XXXX ( concerning occupancy ). I understand from a XXXX counselor and my real estate person that XXXX wants not only what they are owed but the equity in my moms home. She is absolutely and totally XXXX. I just want to get my moms house sold so I can take care of her. I am at wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am in the process of buying a home. My private insurance company will not give me a letter proving that I am currently in deferment with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
XXXX XXXX calls himself the CEO of the Huntington group. When I questioned the bill or needed XXXX minutes to verify with my bank that I may have already paid this debt, he became irate and wanted my credit card information right now or he was taking us to court. He hung up on me XXXX and was very very unprofessional. All he wanted was my credit card information or he was hanging up. we had a similar debt around the time he did state but I paid that off so he wanted me to send me all that information. I refused because I needed to verify his company further before I started handing out my credit card information. He seemed very out of control and manic before he hung up on me for the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Dear Sir, I have recently applied for Chase Slate and came to know about their false advertising. Chase Slate advertise that they offer 0 % APR for first 15 months on Balance transfer within 60 days. But they will not send the balance transfer checks or allow you to do balance transfer to checking for first 90 day of a/c opening. These terms are NOT mentioned in their website. After 90 days, they charge 3 % or {$5.00} whichever is greater. This makes the customer NOT able to use the intro balance transfer offer. When question Chase customer service regarding this issue they say it the company policy, but they are NOT able to show such advertisement on their website. Please kindly take a look into this issue. 



Following is the advertisement Annual fee {$0.00} Purchase APR 0 % intro APR for 15 months on purchases. 
After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
Balance transfer APR 0 % intro APR for 15 months on balance transfers. After the introductory period ends, a variable APR of 13.24 %, 18.24 % or 23.24 %. 
After the first 60 days your account is open, the fee for future balance transfers is 3 % of the amount transferred, with a minimum of {$5.00}. 


What can I use a balance transfer for? 
Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. 
Consolidate balances. Make managing your finances easier by combining several credit card balances into XXXX. 
Pay for unexpected expenses or get cash. If you 've received balance transfer checks, you can use them to pay for things you need or to get cash. You can also call the number on the back of your card to transfer funds into a qualifying checking account. 
Please note : Balance transfer request ( s ) made online and/or with a Customer Service Specialist can not exceed {$15000.00} within any 30-day period. Balance transfers may not be used to pay other credit cards or loans issued by Chase Bank USA , N.A . or any of our affiliates. Successful payment history must be established for checking accounts you wish to use for ACH transfers. There are additional conditions that may apply. Be sure to read the terms and conditions of your balance transfer request for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I own a XXXX XXXX XXXX. In XXXX I had my vehicle broken into and my XXXX stolen. In the the case I had XXXX titles to vehicles I own. I was doing some XXXX business earlier that day. The titles were for a XXXX XXXX truck, XXXX XXXX XXXX, XXXX XXXX XXXX. I reported the incident immediately to the XXXX XXXX Police Dept. XXXX sent a uniformed officer to take the report as well as XXXX technicians to process the scene. I was contacted by Wilshire Consumer Credit a few months later asking me for payment on a title loan for the XXXX XXXX. I explained to the representative I had never taken out a title loan and the vehicle title had been reported stolen. The rep then transferred me to their Legal dept so I could be relieved of any obligation. ( so I thought ) its now XXXX XXXX after sending countless documents that were requested ( Identity Theft reports, police reports, credit reports, Drivers Licence ... ... Wilshire consumer credit has no only neglected to address the matter they have reported the charge off to my credit report of over XXXX dollars they have refused to release my title by giving me the Run around, Lied constantly about giving me the title back and removing the bad credit mark. I 've spent XXXX on lawyers that have written demand letters. I have correspondence from Wilshire Consumers XXXX dept to my attorney stating they agree that I have no liability in this incident and will resolve the matter in a few days. It 's been months and years and still no resolution. This is my last effort to get something handled before I spend thousands more suing Wilshire Consumer Credit for my property and damage to my credit report. Please Help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was living in a suburb of XXXX, XXXX ( XXXX ), and XX/XX/XXXX, my step-father took a new job within the XXXX at an XXXX in XXXX. I was a Chase customer while in XXXX and in the XXXX XXXX, but XXXX does not contain any Chase locations. Therefore, I had to close my account with a XXXX balance. I completed this at the branch located at XXXX XXXX XXXX XXXX in XXXX. The manager, from whom I had been getting cashier 's checks for the past few months to pay my rent, personally closed out my account, stood, shook my hand, and said he was sad to see me go. I said back to him that I would stay a Chase customer if they had branches located in the area of XXXX in which I was moving to. Now, a few years later XX/XX/XXXX, I 've moved back into the service area of a Chase bank ( suburban XXXX XXXX ), and when I went to open a checking account, I was told that I owed just over {$80.00}, which had to be paid off first, after which I could open up an account. I did not know about this supposed debt ( or else it would 've shown up on my credit report that I monitor constantly ), and I would think Chase would use another mechanism to block me from opening a new checking account between XX/XX/XXXX and XX/XX/XXXX, which I did with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
In hearing that Lexington Law would help clean up my credit report, I obtained their services. In XXXX of 2015 till XXXX of 2015, paying {$99.00} a month fro service. 
Each month at the beginning I would receive a tex an email stating that No new information was sought. However right after XXXX Law retieveing the payment, I would get a XXXX an email stating that documents were removed from my XXXX credit report. From XXXX till XXXX I kept believing thinking that they were truly clearing my credit up. 
Well on XXXX XXXX, I went to apply for an apartment as my family and I are homeless, when they ran my credit, I still had the same score that I had when XXXX Law started my case in XXXX. Making sure that they were paid to help, has truly left me speechless. Please if there is any way that XXXX Law can contacted and repremended for all the monies that they are stealing and not providing the service that they say they will. 
This was not fair to me, and its not fair that they stole my money and did not help. Please make sure they are listed as Fuad and scam artist, so no other people will suffer like me. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX and XXXX XXXX filed for a short sale application in XXXX and we received an offer on the property in XXXX. They are a divorced couple who are both on the loan and turned in all paperwork including proof of income or lack thereof, bank statements, tax returns and required documentation and divorce decree. Chase required that the wife quitclaim the property to the husband so that XXXX of the XXXX parties claim responsibility for the property which we are totally baffled by and now they are telling us instead of moving forward with looking at the offer presented that they have to consider the husband for retention of the property before they can look at the short sale. It has been the intent of the homeowner to short sale since XXXX and we are about to lose a valid buyer at current market value due to the delay by Chase employees to get their act together. The husband and wife knew when they divorced they would have to sell the property and neither would be able to afford it alone to force the homeowner to go through the steps and time consuming and overwhelming steps they have been put through is going to cost them the XXXX and only buyer they have for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX of 2014 was approached by the loan officer of chase bank in XXXX nj, to apply for a loan, 3 years earlier i had a bankruptcy so i told him about and made it clear that i do n't want to go forward unless i guaranteed approval, he asked for all paper work check credit and all procedures then he emailed me an approval ... he told me to shop for house with confident..few weeks later found house, put deposit, hire attorney all normal procedures including home inspection ..few weeks later he informed that they i 'm having problems getting the mortgage because same reason that he approved me for and assure me that i 'm approved ... i have all emails that prove that i was mislead beside all the time wasted i lost inspection money, lawyers fees due to their mistake ..again i have all documents in record including the approval and his assurance that everything is good ... i do n't think that its fair to lose all this money while i have n't done anything wrong other than trusting chase loan office?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a XXXX checking account ending in XXXX with Chase for last 12 years. Of late my overdraft charge scenarios has gone uncontrolled leading to overdraft for overdraft related negative account balance. XXXX such example is show below. 
1. On XXXX/XXXX/16 during the day my account balance fell below o. 
2. By that night had deposited {$200.00} and had brought the balance to positive {$54.00} - Proof is in ATM receipt attachment 3. However above referenced deposit was overlooked and was charged XXXX overdraft fees on same day = XXXX/XXXX/16 of {$34.00} each totaling to {$68.00} resulting in my account going negative again.Proof is in second attachment 4. Fortunately has a tax refund the next day which saved additional overdraft charges. 
I spoke with Chase customer service at different levels to get this addressed but I was given various technical reasons and nothing was done. I am going through an acute income reduction chase and would appreciate if this issue could be resolved and account funded back with this incorrect {$68.00} overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an excellent credit and chase credit card charge me a 27.99 % interest rate and I was told they can not lower my interest because when I open the account, that 's how the interest rate was, that 's more than 10 years ago, I told them that I am always on time making my payment and never late, I was thank for that, and XXXX XXXX a supervisor said he can not help me with that, this is not right, I ask what is the interest rate for a person with bad credit 50-60 %, apr or what is it, I told them iam am even tempted to default in the account, this is robbery and abuse for the consumers, you want us to fail on this difficult time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SQUARETWO FINANCIAL CORPORATION
State: IN

Complaint narrative:
Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I started a request of a loan at end of XXXX 2015. A broker give a rate lock and loan approval, with a XXXX on XXXX XXXX. For external reason not related to me ( was a judge involved as a XXXX was one of the owners ), the closing took more time than expected in the rate lock. I consult my broker and he told me will be no problem to extend the loan with the same rate. On XX/XX/XXXX was the closing and the broker send me a new XXXX ( same day as the closing ), and I found that he remove some discount points ( {$1500.00} ). On the conversations I have with the broker and he never told me or provide ducumentation about the rate extension cost, I also asked him may times if will be a problem and he never communicate the difference of the cost. The relation with the broker felt apart and I have to communicate with the loan company and they investigate. They consult with the broker and the broker told them that he give me the information. I request documentation to validate this, and they never provide it. Please help to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a Chase card account that was CLOSED and DISCHARGED through bankruptcy since XXXX 2011 but still showing in my credit report. I tried to contact Chase twice via letter but they Refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.

Company response to consumer: Closed with explanation