vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a dispute about some charges on my debit card with chase bank XX/XX/2016. the unauthorized transactions were XX/XX/2016 through XX/XX/2016. I had contacted the merchant in XXXX 2016 regarding the first transactions and told me they were going to do an investgation. Some more transactions were charged in XX/XX/XXXX to which i followed up with the merchant about the XX/XX/XXXX transactions and about the XX/XX/XXXX transactions, to which they said the had 60 days to resolve the issue and give a refund. At that point I called CHASE BANK ( the issuer ) to get help on this matter, to which they told me to call the claim with the merchant, and if that did not work to call them again to initiate the investigation with the merchant. Again in XX/XX/XXXX other transactions were charged to the card, and followed up again with the merchant as per CHASE had instructed me. The charges stopped at that point, but my money was never refunded as the had promised. Therefore, I called Case in may to file the disputes, allowing me to do it and had told me that they were to refund the money while the conducted the investigation. The send me a form to fill out electronically, and I filled out completelly and returned to them within 2 days. CHASE never credited any money back to my account and said the would not give me my money back period. This happened in less than 3 days of filling the dispute. An investigation with the merchant never happened. I had done more than they did. At least I did a 3 month investigation, making me think that Chase would not conduct the investigations on fraud cases for their customers. I called the merchant again in XXXX 2016, and they deny any disputes. I went to my chase branch in person to ask to reopen the case on XXXX XXXX, 2016 and as of this moment nothing has been credited back to my account. Here is a summary of the unauthorized transactions : {$98.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$58.00} on XXXX/XXXX/2016, {$70.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, for a total of {$1000.00}, merchant name : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 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: AL

Complaint narrative:
Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, JPMC filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. See attached. Then, ignoring payment was made AGAIN, JPMC filed suit XXXX. Again, they filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then they sued AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. Chase lied about getting the money and did not tell the court they got paid. Chase lied about having received the money and filed an affidavit claiming it was still due. The Court believed Chase and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but Chase is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the Chase employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from CHASE notifying me that my home equity line of credit draw period was to end. It suggesting refinancing into a new home equity account and gave a number to call. I called XXXX/XXXX/16 at XXXX and spoke to someone whose name and NMLS ID I have. I gave him some information then and in follow-up and gave him permission to look up my credit score so that we could discuss whether or not it was likely I would qualify for a refinance. I did NOT formally apply for refinancing. I did not submit an application. I did not sign anything. He refused to return my calls when I tried to follow up. Yesterday ( XXXX/XXXX/16 ) I received a letter ( unsigned ) dated XXXX/XXXX/16 from CHASE telling me my application was denied. This is close to fraudulent to turn an invited inquiry over the phone into an " application '' that is then denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

Thank You, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
INFORMATION IN THIS ACCOUNT IS INNACURATE. 
WRONG COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
Chase contacted me to apply for a credit card and promised that if I spent {$3000.00} within 3 months that I would receive XXXX XXXX miles as a bonus. Several months after I had fulfilled that spending requirement, they sent me a postcard that said I did not qualify for the promotion and would n't receive the promised points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
westlake auto finace did loans with them as an agent they then canceled my contract 4 years ago they then funelled my coustmers to other stores now there comming back 4 years latter saying i have XXXX in buy backs my contract said i was on first payment recourse all of these XXXX coustmers made XXXX to XXXX payments they harrassed them called there niebors family freinds anybody nothing the truth im XXXX years old retired XXXX ive tried to reson with them but there atty said it more fun to go threw court there using corprate money to exort money also they have to give these XXXX people setllments to they are already trying to double dip i also have proff tht they had my gm signing fake contracts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My complaint is with Chase Health Advance ... I called this company in XXXX 2014, to let them know I was not getting a bill for this account ... .Chase agreed they were sending the bill to the wrong address and agreed to send it to the proper address ... I spoke to someone prior to this and let them know I was moving, and gave them my new address, however, this company still failed to send me a bill ... .In the past I called the company to pay the bill over the phone occasionally when I had time, however, you would think after calling in to change your address, and several other times to get the bill to your house, a large company could follow through ... Having said that, I never received a bill ... This account is being fraudulantly reported to the credit bureaus without my knowledge which violates the fair credit reporting act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX credit card accounts with Chase banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported XXXX accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, Chase bank has been given the tax write off but they are still reporting a full balance for XXXX account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for Chase bank, getting the tax write off and then still collecting the cancelled amount on XXXX accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.

Company response to consumer: Closed