vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase checking XXXX charged XXXX XXXX {$34.00} without authorization for overdraft. chase calls this overdraft insufficient funds. it is not insufficient funds. it is overdraft. XXXX XXXX never authorized overdraft. XXXX XXXX never authorized insufficient funds. the difference is insufficient funds is when i write a check more than the available. overdraft means an outside agent tries to take money that is not available. the difference between overdraft and insufficient funds is that overdraft involves a third party. XXXX XXXX never authorized a third party to take money from his checking account. therefore there can be no authorized overdraft fee. what chase is doing is doing overdraft but calling it insufficient funds to make it appear that XXXX XXXX is to blame. in fact the third party is to blame. XXXX XXXX has complained about this particular problem many many times. chase does not have any permission anytime to overdraft the checking no matter who or what the reason. i will not pay this {$34.00} and if chase refuses to take back this {$34.00} overdraft fee then XXXX XXXX will sue chase. this is a flagrant example of chase stealing {$34.00} by calling overdraft insufficient funds. 
XXXX/XXXX/2016 Fee INSUFFICIENT FUNDS FEE FOR A {$200.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX {$34.00} ( {$200.00} ). 
respond to this complaint in a word document. DO NOT REPLY IN A PDF FORMAT BECAUSE CHASE INTENTIONALLY REPLIES IN UNOPENABLE REPLIES. CHASE IS A CROOK. CHASE BUYS OFF XXXX PARTIES TO TAKE ADVANTAGE OF EACH AND EVERY SITUATION. IF CHASE LOSES MONEY CHASE TURNS TO THE XXXX XXXX ITS PARTNER BECAUSE CHASE IS TOO BIG TO FAIL. I AM DISGUSTED WITH XXXX PARTIES BEING BOUGHT OFF WITH BRIBES BY CORPORATIONS TO STIFLE COMPETITION. WE NEED THE OPPOSITE OF XXXX WHICH MINIMAL REGULATION IN THE MARKETPLACE WHICH WAS SUPPOSED TO PREVENT STIFLE COMPETITION. THERE IS NO COMPETITON AND WE NEEDTHE GOVERNMENT TO DEFEND US FROM STIFLED COMPETITION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have opened a 2013 auto loan that is no longer active, but it is still on my credit report as a charge off profit write off. I am just trying to maintain my image and credibility. I just need this account that no longer serves a purpose, off my credit report please. By the way, if this fix is delayed, i will lean toward litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet increased my interest rate to 6 % ( from 3.25 % ) without my authorization because I am an XXXX who is on XXXX. I want my 3.25 % interest rate back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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 disputed charges on my credit card since XXXX 2012 .The bank responded with a letter of investigation that I should exercise patience within XXXX days for the merchant to respond and I waited.. After XXXX days I contacted the bank about my disputes, to my surprise the bank said that the merchant had not respond back and sometimes it takes XXXX days. XXXX was never given a temporary credit as the law requires and till today .Before the XXXX days, I lodge a complaint with the bank again with their escalate department and I was told that the matter had been resolved in my favour and I should be expecting the refunds in my account soon within XXXX days.and they are only waiting for their manger to give the apprpval .I sent faxes, made calls and visit branches and they refused to credit my account.I was advised by the court to lodge complaint to your office XXXX before I sue them if the matter is settle.Please kindly use your good office to intervain maybe the matter could be settle.Thanks for your cooperation and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 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:
On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase Bank modified a mortgage loan, of which I am listed as a borrower, without my knowledge, signature or consent. The original loan was back in XX/XX/XXXX in which my husband ( at the time ) and I purchased a home. We divorced in XX/XX/XXXX and my husband accepted all liability for the home and was given a quit claim deed only to be used for the purpose of removing my name from loan ( the conditions of the use of the quit claim deed are clearly spelled out in our property settlement agreement, which is a part of our divorce decree ). Instead, in XX/XX/XXXX he modified the mortgage with Chase which changed the terms of the original loan, adding over {$130000.00} to the principal of the loan balance and turning it into a 40 year loan which began in XX/XX/XXXX. I have just become aware of this and do n't understand how Chase can keep me on the loan as a borrower with new terms I never agreed to, that they never informed me or even required my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was laid off in XXXX and have had difficulty paying my mortgages on my property. I have applied for mortgage assistance through JP Morgan Chase several times and have been denied assistance. Most recently I resubmitted an assistance package in XXXX XXXX and until now, have not received any response from the underwriter whether I have been approved or not. For the past 90 days, the underwriter keeps requesting additional information which I submit in a timely fashion. They then take another 30 days each time to rereview my file and come up with additional documents to be requested. Each time I discuss this situation with the Chase rep, they state this is the final request as your file should be complete. It appears Chase is purposely delaying review of the file, meanwhile at the same time their collection department harrasses me for payment since I am now 2 months past due. The delay review tactic was done previously last year when I applied for a loan modifcation and was denied. The government should monitor Chase as they have never assisted homeowners in need as they have been instructed to do so by the U.S. Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.

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

Complaint narrative:
Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We received a loan modification through bank of america more than a yr ago.we suddenly, 8 months after, started recieving modification packets again stating either it was notarized incorrectly or that they had neglected to include needed paperwork.Each packet included a promised cash incentive if we would sign and return.They also offered to send a BOA rep. to our home for the signing.So far we 've been told that they can not send a rep to us due to our Morgage type.Secondly, we 've received and returned XXXX packets thus far.Every time I call they either tell me we 've notarized wrong or it was a mishap on their part.Nobody has been able to tell us what we are doing wrong.Not one cash incentive has been seen.We would have to travel XXXX of miles from our home to reach a BOA.At one point an agent told us that our paperwork was rejected because a XXXX looked like an s in the date.This is getting to be harassment at this point.Not to mention the time involved in going to several local banks to get paperwork notarized over and over.My sress level is maxed!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: UT

Complaint narrative:
I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was asked ( as I was leaving the branch ) to refinance my home loan. The local expert was on the phone and unavailable. They said " We 'll have him call you '' ( which they never did ). I never gave them my name, address, or phone number. Ten days later I got a rejection letter which I threw in the trash. Turns out they had made a hard inquiry which is now a negative factor on my FICO score and they refuse to have it lifted. ( Only the bank can do that. ) They ignore my requests, clear up to the VP in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I went bankrupt. The house was forclosed on, with a balance due us in the amount of approx {$67000.00}. They, unknown to us, were corresponding to a vacant house and mailed our check there. They they had our current phone and address. why woudl they mail it there and they had our lawyers name! WE have tried to track down the money. Chase opened a strange account in my name, depositing my money. Then are telling me its Purged??? Every person I contact, has a new story, no one can find the deposit. I attached the account number they opened the account in my name with and all limited documentation as my house burned down. I pulled the court record off the internet. Please help us. We are XXXX and XXXX. 
Kind regards, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX daughter XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
This company is telling me that in order to get out of default, they figure repayment plans with gross income and family size only. They wanted {$800.00} a month, plus the {$610.00} out in wage garnishment. The federal student loan website that a rehabilitation plan must be a " reasonable '' amount. I do not think this is a reasonable amount and would like some help with getting out of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation