vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX, 2015 I applied to a job on XXXX. The job contact XXXX XXXX informed me via email XXXXXXXXXXXX I met all the qualifications for the job and to contact ( XXXX ) for an interview. The interview took place on yahoo messenger. I was given an identification number for the online hiring process " XXXX. '' After completing the interview questions on yahoo messenger I was told that I would receive a cashiers check in the mail to buy supplies to set up an office space. The check arrived in the amount of {$2800.00}, I was told to deposit the cashiers check then withdraw funds to wire via XXXX XXXX or XXXX XXXX. The funds were wired as asked my potential employer. On XXXX/XXXX/15 Chase Bank mailed me the check stating it was Altered/Fictitious. The total amount wired via XXXX XXXX was {$2700.00}. This scam was reported to XXXX XXXX Police Department and a complaint was filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
2012 I received a XXXX for cancellation of Debt. I paid income tax on the owed amount. As of today, the original owed amount is being reported monthly on my credit as amount owed. this is ruining my credit and preventing me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
my car was repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment, I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well, I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence, I have been paying my neighbor 's homeowner 's insurance since XXXX 2015! 
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way, I am furious, upset, and scared. What if I would never had checked my account? What other sneaky schemes are they using to steal more money from me? How can I ever trust them in the future? My confidence is way low. 
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX/XXXX/XXXX, I moved from my house in XXXX to a XXXX for two years. After the move, someone went through my trash and cashed a torn, fraudulent check. The check was dated in XXXX and was still cashed by a XXXX branch. I filed a claim with Chase 's fraud department immediately after recognizing the fraud. They refused to reimburse the money because the check was not shredded. I filed another complaint pointing out that the check had been torn and was dated two years ago. They refused to change their decision and said it would not be considered again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint on XXXX XXXX for unauthorized pulling of my credit SHE HS LIED SO MUCH ITS UNCALLED FOR! 
Sections XXXX, and XXXX Any person knowingly and willfully obtains a consumer report under false pretenses can face criminal prosecution Section XXXX. 
I have sent paper over and over I have complained over and over to this lady and I have filled complaints over and over with all credit companies and with chase I have never applied with your company for an mortgage on XXXX XXXX, XXXX and n soft pull was done on XXXX XXXX, XXXX also an Hard Pull was done on XXXX XXXX, XXXX I have request the applications and was told to fill out these papers and it will be removed I have complained to XXXX, Consumer Credit and still this lady XXXX XXXX has lied over and over I DEMAND THESE INQUIRES BE REMOVED FROM ALL OF MY CREDIT FILES ASAP I HAVE FILLED THE LAWSUIT TO SUE YOU AND I WILL BE ASKING THAT ALL MY OUT OF POCKETS LOST MY LAWYER FEES AND OTHER DAMAGES THAT THESE HARD PULLS HAS CAUSED ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: SC

Complaint narrative:
I was approved by the XXXX for XXXX XXXX discharging my student loan on XXXX/XXXX/2016. My loan is total {$29000.00}. According to Nelnet who sent me the correspondence asked me to review the student loans that they have on file and check with Navient who XXXX XXXX transferred the loans to them to make sure they have all the loans. I did contacted XXXX and spoke with a representative and was told Nelnet was given all of the loans which is {$29000.00}. Nelnet told me that they will communicate with me. I went on my account for Nelnet and saw another company I am not familiar with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank , N.A . closed my credit card and deposit accounts without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, JP Morgan bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, JP Morgan XXXX XXXX new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the XXXX XXXX Settlement, I believe Chase had to settle the second mortgage on the property so wrote it off in order to foreclosure on the Washington Mutual Bank FA mortgage. If you look at the documents I will provide, it went into collections in XXXX and then in XXXX after it was written off, JPMChase removed almost $ XXXX from my checking account. It has taken me years to the get the accounting for this account and as you can see, there is no credit for the $ XXXX. Where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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 went into chase back to get change the teller asked me for proof that i had a chase account in order to give me change i gave her my chase credit card as proof she gave me the change when i got home i was looking at my account online as saw that she took out {$100.00} out of my credit card as a cash advance when in fact i did n't withdraw any money i went into the branch they acknowledged that the teller had more money in her draw then she was supposed to have and that they will credit me as soon as the charges clear on my account i called the branch a few times trying to speak to the manger with no call back as of yet and no credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
We have a court ordered 6 year 3 % annum payment schedule via a chapter XXXX financial restructure settlement case # XXXX doc # XXXX file date XXXX/XXXX/XXXX. we have pain well over {$50000.00} on a {$21000.00} consolidated loan in XXXX and have a remaining balance over {$21000.00}. Nelnet has again increased interest rates to 8 % and not per annum They claim no knowledge of settlement. In XXXX we have the same problem with nelnet who refused to work with us and told us to hire a lawyer until we filed a complaint with the attorney general and CFBP case number XXXX. After the official complaints being filed, then Nenet ( and other student loan companies who we filed against than and are filing against again today ) contacted us and corrected all discrepancies and refunded ill-gotten gains. we requested an independant accounting agency to review all financial dealings at that time as well as an independant investigation into Nelnet banking practices however neither was done to the best of my knowledge. In addition to the complaints filed with CFBP today, I filed another complaint with the attorney general and contacted XXXX financial correspondent XXXX and requested an investigation into the student loan banking practice of Nelnet and the other student loan companies due to the repetitive financial discrepancies indicating significant incompetencies in their banking practice or demonstration of their illegal banking behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
J.P. Morgan Chase provided out of date information regarding refunds on upfront mortgage insurance in regards to my FHA loan. The FHA Homeowners Fact Sheet paperwork they send is over 14 years old ( XX/XX/XXXX ) and the current version that includes the update to the eligibility for a refund of upfront PMI costs was updated in XX/XX/XXXX. Due to the fact that they did not provide accurate information I was left believing that I could get a refund of my upfront premiums if I refinanced to a conventional loan within the allotted time period. I even tried to refinance through them, but due to a horrible customer experience I ended up refinancing with another lender, and this makes me even more happy that I did. The update in XX/XX/XXXX only allows a refund now if you refinance into another FHA loan ... thanks for nothing Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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:
Bank had no checks cleared when I looked at account online XX/XX/2016 and morning of XX/XX/2016. The balance on that date XX/XX/2016 was slightly over {$920.00} ... on the fourth I checked again and they said a check cleared on the XXXX and charges me a {$35.00} overdraft fee. They cleared a check retroactively which incurred a fee or my online banking was not accurate. Either way, this is no fault of my patronage. 

Twice I was told upper management would call me back, once in XXXX hours and once in XXXX hours. I still have not gotten a callback and my branch filed a complaint and XXXX notices ... they have not heard back either. I am owed {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX USED MY CREDIT CARD TO PAY MY WIFE 'S YEARLY BILL WITH AARP TRUSTED ID. I DID NOT AUTHORIZE THIS YET THEY USED MY CARD. A CARD I DID N'T KNOW I HAD. THEY SHOULD HAVE USED HER CARD ( THE XXXX SHE AUTHORIZED THEM TO USE ) I NEVER AUTHORIZED THEM TO USE MY CARD. IT 'S HER ACCOUNT AND SHE PAYS FOR IT WITH HER CARD.THIS CONSTITUTES FRAUD AS FAR AS I 'M CONCERNED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX XXXX account, by XXXX in New York and New Jersey.. when asked i was informed it was for a credit card i had open with Providian national Bank in 2004.

Company response to consumer: Closed with explanation