vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In XXXX XXXX we paid our motorcycle and truck insurance to XXXX using our BP XXXX Credit Card. This card was closed in XXXX XXXX because XXXX was selling it 's BP cards to Synchrony on XXXX XXXX, XXXX. We moved from XXXX to XXXX in XXXX XXXX and cancelled our XXXX insurance coverage. These refunds were sent back on our closed BP Card. WE HAVE NOT RECEIVED THESE REFUNDS AS OF YET. I have been in contact with XXXX and XXXX several times since then to find out what happened to our refunds. XXXX has maintained from the beginning that they sent the funds on XXXX XXXX, XXXX and have not received them back. Before they can reissue us a refund in check form they need a proof of returned disbursement along with a reference number. XXXX has provided me with documentation proving that the transactions have been sent and confirmed by the bank. XXXX has stated several different things. First that Synchrony would have the funds. A XXXX representative and myself have checked several times with Synchrony and we do not exist in their records. The above stated account was closed prior to the migration so they would not have any information on us. Plus, all that XXXX had was our old account information, nothing for Synchrony ( routing number, etc. ). I have been told by XXXX that they returned the refunds to XXXX but they can not prove it. They know this because this is what always is done to transactions for closed accounts. I have also been told that my account has been purged and that they do not have any records of this account anymore. As of now, XXXX has provided documentation that the refunds have been sent and that they have not been returned to them by XXXX. XXXX has stated that they can not find these refunds and to have XXXX refund us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been trying to modify my loan with Citimortgage for over 5 years. I have spent over {$35000.00} with attorneys and consultants. I have spent thousands of my own hours as well trying to work through their system. I have been lied to, I have had paperwork lost, I have had to cancel business trips in order to file court docs and most importantly, I 've had to explain to my kids how we could be forced to leave our home at any given moment. I have copied XXXX XXXX, the CEO of Citimortgage, on dozens of documents over the past year pleading for fair and reasonable treatment. She has provided no help. 
I need to have my foreclosure stopped and I need to sit down with someone with my bank statements and renegotiate my loan as they have done for so many others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Simply, I am trying to locate and ascertain the whereabouts of CDs from XXXX, Issued for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX AND XXXX XXXX is common knowledge that XXXX was acquired by WASHINGTON MUTUAL IN XX/XX/XXXX WHICH SUBSEQUENTLY FAILED IN XX/XX/XXXX and was sold to JP MORGAN CHASE by the FDIC after WAMU was seized and placed in receivershipCHASES RESEARCH DEPT CAME UP WITH NOTHING AND CAN NOT LOCATE THESE FUNDS, THE ACCOUNT NUMBERS, OR MY FATHER 'S NAME. MY dad, XXXX XXXX, passed away on XXXX XXXX, XXXX. I have contacted the New York Stae Controllers Office and they claim they never received these funds and is not being held there. My Complaint is that these Funds just do n't vanish into thin air and I need to settle my fathers estate and, as the Executor, need to distribute assets accordingly. I need an accounting and paper trail as to where these assets were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient collections. I am XXXX per Social Security. They determined I was XXXX since XXXX but my claim was filed in XXXX. XXXX verified this determination as well. I subsequently sent the information to Navient who contracts with XXXX to determine XXXX status claims. XXXX XXXX has been denying others beside myself. I have a XXXX determination and Navient only reviewed the medical. I am prepared to submit XXXX records and asked the Navient collector for the form to submit my XXXX status and the collector told me " if you want the papers, you go get the papers. '' I propose XXXX review of XXXX claims or an independent entity to monitor XXXX denials by XXXX to ensure Navient 's contract with XXXX XXXX is not a way to summarily deny all XXXX individuals. 

I was a XXXX 15 years ( including use of a XXXX ), XXXX. So I know the Fair Debt and Collection Practices Act ( FDCPA ), XXXX. Navient 's collectors are not well trained and should not dictate policy/procedures based on their own biases and not the company 's policies/procedures. 

The determination that I am not " XXXX enough '' and being unwilling to give me the opportunity to submit the XXXX portion of my XXXX does not seem legal or ethical ( Social Security used both XXXX ). 

Why is the relationship between Navient and XXXX not investigated for collusion and a way to defraud the XXXX? 

Why am I not permitted to submit the secondary XXXX diagnosis? 

I posted a breach in FDCPA to the Consumer Affairs site, and read how individuals with XXXX, XXXX, and XXXX were all denied by XXXX paving the way for Navient to collect debts from individuals that are otherwise considered XXXX by federal and state entities. Please check into this inequity. 

Paying Navient even if state and federal review deem us " unable to work '' is unreasonable when their " contracted '' " determining entity '' may gain financially by denying XXXX claims. In addition, when their staff refuses to send the appropriate form to XXXX individuals, it is basically an admission that they will not consider my XXXX claim anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited the sum of {$500.00} into my checking account in addition to {$89.00} available balance with Chase Bank Account. On XX/XX/2016, I used Chase debit card for the amount of {$220.00}. On XX/XX/2016, I used Chase Debit Card for the accumulated total amount of {$160.00}. My account available balance becomes {$580.00} minus $ XXXX= {$200.00}. On XX/XX/2016, I was denied access to take {$20.00} by Chase Bank on their false assertions that my checking account was in negative {$54.00} or {$55.00}. But Chase Bank employees told me that " Federal Reserve '' has a policy and that they are complying to " Federal Reserve '' Policy to denied me access to my money. As a result I was stranded on transit because I did not have sufficient funds to buy MTA Ticket to get me home. I suffered XXXX, XXXX, XXXX, XXXX due to deliberate public misrepresentation and frustration as I remained stranded without money for transportation to get home. I have Bank available balance in the amount of {$200.00} in my checking account with Chase Bank but Chase Bank denied me access to {$20.00} I needed to buy MTA Fare Ticket. I contacted " Federal Reserve '' on XX/XX/2016, and I was informed that Chase Bank did not follow " Federal Reserve '' rules and regulation ; and that Chase Bank may have lied to me by citing " Federal Reserve '' to cover-up to subjected me to disparity and discriminatory and retaliatory practices because I had filed complaint and opposition against discriminatory practices in the State of New York by bad policies enforced by Financial Houses, Hospitals, Schools, Colleges and Universities. I am requesting for adequate investigation and compensation for all the humiliation, retaliation, discriminatory disparity and disparage treatment, XXXX, and for wrongfully denied me my right to my properties and denied me immediate use of my money without reasonable basis in law and facts. I hereby seek for adequate investigation plus additional {$500000.00} compensation against chase Bank. I can be reach at : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We received a letter from our credit card company ( Chase ) stating that we were a risk to the reputation of their financial institution and our account was being closed. This was especially alarming due to the fact that when we tried to call about our mortgage ( with the same company ), the company was unable to verify our identity. I tried to inquire about how I could make sure I was n't being hacked and received zero help. We tried to contact the service number linked to our credit card about our account being closed and not a single person would give me more information than " I was a risk to their financial reputation ''. The only answer we got was that they had the right to close an account at any time and they were unable to give us any other information. Frankly, the representative we spoke with was extremely rude. We tried to talk to her boss and was told that she was the boss and no one was over ( even the CEO when we asked about that ). That is alarming in itself. We called three different times with no response. My concern is that we are being identified incorrectly and we are unable to get any further assistance from the company in finding out what is going on with both our accounts. We have the right to know why they are making these decisions and why they ca n't verify our identity on our mortgage over the phone. Chase has been the worst company we have experienced working with. We are both high-standing citizens, have good credit, pay our bills on time, and also respect our reputation. We do n't feel that being blacklisted over something we are pretty sure we did n't do, is appropriate. The company is un-willing to communicate with us over this matter and I feel that they are very disrespectful to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We are residents of XXXX. On XX/XX/XXXX, we were in XXXX and purchased merchandise. The purchase consisted of five items at a total cost of {$140.00}. Unfortunately the amount sent to the credit card companies was erroneously listed at {$740.00}. ( attachments 1,2 & 3 ) This is {$600.00} more than the correct amount of {$140.00}. When we contacted our credit card company by phone regarding the error, a temporary credit of {$600.00} was issued to our account. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, ( attachment 4 ) requesting we return an attached form by XX/XX/XXXX. The form was immediately filled out and mailed. Because the letter arrived on XX/XX/XXXX, it could not be retuned to our credit card company by XX/XX/XXXX. On XX/XX/XXXX, ( attachment 5 ) we received a letter from our credit card company indicating the {$740.00} charge was valid and the temporary credit of {$600.00} had been removed, thus reinstating the $ XXXX charge to our account. On XX/XX/XXXX, we mailed information to our credit card company explaining the circumstance of the dispute. ( attachments 6 & 7 ). On XX/XX/XXXX, we called the merchant. We texted him a copy of our receipt in the amount of {$140.00}. He agreed that the charge of {$740.00} was incorrect and that we should have been charged {$140.00}. On XX/XX/XXXX, we had a letter faxed to the our credit card disputes department from a local branch of the bank who controls our credit card ( attachment 8 ). At my request on XX/XX/XXXX the merchant contacted his bank explaining the {$600.00} overcharge. The XXXX bank immediately removed the disputed {$600.00} from its account. ( attachments 10 & 11 ) Knowing this, I have called the Chase Disputes Department numerous times to inform them of this only to be told by supervisors that the matter was being handled either by " the back office '' or the " representment? team ''. I was never allowed to speak with people in those offices. On XX/XX/XXXX, the merchant sent me the document he received on XX/XX/XXXX, from his bank showing the {$600.00} adjustment to his account. On XX/XX/XXXX, I again had a letter faxed to my credit card company with the additional documents from the merchant ( attachment 9 ). The XX/XX/XXXX, fax was sent 92 days after the XX/XX/XXXX, communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I expected to pay off the loan in 36 payments ; the payments are {$230.00}. 
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}. 
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}! 
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap. 
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I authorized XXXX to auto-charge my account for {$60.00} when i was abroad and gave them Chase credit card info. My XXXX phone number is XXXX and XXXX account is XXXX. 
They charged my account {$300.00}. I called and they said it was for a " line transfer charge ''. At no point when I was setting up my account was I informed of a " line transfer charge '' by XXXX. I would like the {$240.00} back since at no point at all was I told of this charge, and it was charged to my credit card without my approval. Since XXXX says all calls are recorded, they should go back and check their call logs and show if at any point I was told about this {$240.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened an American Express XXXX card in XXXX of this year, 2015. I have never seen any XXXX points transfer from the American Express card to the XXXX program. I finally talked to a senior account manager at American Express who indicated they are aware that they have a software problem and that is a level XXXX highest priority, and that they have no time frame and no idea when this will be fixed. This is clearly fraudulent as I am due thousands of points ( XXXX bonus for spending {$250.00} in 3 months as an example ) and even the account manager gave me XXXX compensation points which I can not see since their software transfer program has never worked. None of the regular customer service people know anything about this and you spend hours on the phone talking to representatives that have no clue on the credit card program works. The people at XXXX cards ( which is part of American Express ) clearly indicated this is a software transfer issue on the American Express credit card side and even opened up a support ticket even though they can not resolve this issue. This is extremely misleading when you do not tell people that your own credit card program does not work and they have no idea if I will ever see my XXXX points transfer over to my XXXX XXXX. The public needs to know about this and the impact in the industry when a credit card leader such as American Express misrepresents themselves to the consumers that trust them as a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express Gold XXXX Credit Card requested credit reports for myself from the Credit Reporting Companies XXXX times ( i.e. XXXX ), from XX/XX/XXXX to XX/XX/XXXX. I contacted Experian after running a Credit Report to verify, they verified it, and suggested contacting American Express. American Express Executive Customer Service representative looked up to verify and requested copy Credit Report I had in possession related to queries, which was sent in email attachment to AMEX, re : Dates of Request ( XXXX times ). American Express stated they would investigate and get back to me in a few days, American Executive office contacted me back and stated those inquiries where for " promotional purposes '', which differed from information that was provided to myself from Experian. I respectfully submit a complaint to the CFPB, as this I feel could greatly affect my Credit Score or Credit Standing by the Reporting companies, especially if a Credit Report is run for new or updated credit application. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
A late payment was made to AMEX but the account was paid in full within XXXX days. This late payment triggered the usual late fees but also triggered an interest payment in the first month of XXXX {$95.00} and a second month of interest of XXXX {$65.00}. The effective APR for interest charged for XXXX days of late payment but then paid in full equates to an effective interest rate of over 100 %. While this XXXX month revolving balance interest calculation is no doubt contractual agreed to, it seems blatantly against public policy and likely criminal usury.

Company response to consumer: Closed with monetary relief