vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase card services had unfairly rejected my dispute of XXXX charges from XXXX XXXX for XXXX and XXXX billed to my chase credit card account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 
In the communication with me, chase employees have verablly insulted me and used XXXX. thus, i submit to you that chase 's action were an act of XXXX rdiscrimination against me. 

The XXXX charges in question were for the computers that I purchased from XXXX on XXXX XXXX, XXXX and then subsequently returned to XXXX. 
I have complied with XXXX return policy. however, chase refused to issue a credit Here is a timeline of what hapenned :. 
On XXXX XXXX, XXXX ie. within 30 days of purchase from XXXX, i have filled an appliction for return of both computers on dell website, per dell policy ( they require such application to be made withing 30 days ). 
But until now XXXX had failed to process those requests that I submitted and to issue me a RMA ( return merchandise authorization ) required for return. 
Their wesbite still shows that my requests are under investigation. 
I then contacted dell numeroud times, at first they did not respond but then in online chat with me dell said that they had a glitch on their website which caused my request for return to remain non-processeed but. Having admitted their fault, dell refused to authorize the return. 
I subsequently disputed these charges with chase. 
However, chase had refused to satisfy my dispute. chase sent me a response from dell in which dell stated that there is no record of return. in that letter, chase also informed me that dell had given to chase XXXX XXXX for my computers and address for return. 
I have called chase credit card service and was advised that I should send the computers to XXXX and then call back chase to confirm the return and then chase would issue a refund. 
I have now retured the computers to dell. I have a confirmation of dell receiving my computers by XXXX. i have called chase to inform them of this. However. 
chase still refuses to issue a credit and satisfy my dispute. Chase had also refused to acknowledge that dell had confessed that my initial request for return filed on dell wesbite had not been processed because of a glitch on dell wesbite, although I did send a transcript of my chat with dell to chase. 
I am attaching a transcript of my online chat with dell in which they admit that they did not process my request for return. i also attach copies of the request that I submitted to dell to return my computers in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear whom it may concern, Hello my name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I had my home loan with Chase Bank many years. After the subprime mortgage crisis our family experienced lot of financial hardship. Around XX/XX/XXXX, Chase Bank mailed to us an offer for refinancing with dropped interest rate. They said if I refinanced, my mortgage payments would be lower. At the time I thought it was a good idea so I applied. 
During the loan refinancing process I asked Chase a few times about any available government modification programs, and they said no, I did not qualify. They said that since my credit score was low could make 6.75 % to 5 % with 1 % point principal add charged, I did n't have any choice but to continue with the refinancing. 
After a couple month, we finished the refinancing process in XX/XX/XXXX, we unfortunately began to suffer financially even more than previous year. We were unable to make the mortgage payments for about 2 years. 
XX/XX/XXXX, we had a mortgage loan modification with Chase. When I asked them again about any government modification programs, Chase told me that I did not qualify because my loan was after XX/XX/XXXX. I said, but my original loan was from a long time ago and I did the refinancing because the bank told me it was the only option for lowering my mortgage payments. They told me my loan still did not qualify for government modification programs. Instead they could put us through Chase Bank modification program. 
We did not have any choice ; our family needed a place to live. 
Since the modification in XX/XX/XXXX, we have been paying the payments. 
I am a XXXX citizen. We are not a primary English language using family. I know now the government loan modifications started XX/XX/XXXX. It seems to me that the bank intentionally prevented me from benefitting from the government modification programs. They told me the only way for me to have lower mortgage payments was to refinance, but this only ended up blocking me further from government modification programs. 
I think my loan modification was unfairly settled up. I would very much appreciate if you could please review entirely my case, and help in any way you can. Thank you for your time and consideration. 
Chase Original Loan Number : XXXX was 6.75 % XX/XX/XXXX Refinanced Loan Number : XXXX current.XXXX % XX/XX/XXXX Modification 5.0 % Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I am writing as I deposited a Cashier 's Check, from my XXXX XXXX Bank Account, to Chase on Saturday. I was advised, by a Chase Supervisor XXXX, that the funds would not be available until Tuesday XXXX/XXXX/2016. I am confused as to how this is the case when a Cashier 's Check is easily verifiable by the electronic feed on the bottom aspect of the document. Subsequently, I am finding it a challenge to pay for necessary expenses such as : student loans, kid 's tuition fees, car loans, etc. I have been a Washington Mutual/ Chase bank customer for over 18 years. 
This has been a huge inconvenience for me. As a trauma nurse, who works the night shift, I have little time to tend to obtaining Cashier 's Checks and waiting for deposits to be credited to an account. As I wait for my direct deposit to resume, I am finding this to be a very difficult time for me. I would hate to sever my longtime relationship with your bank, however, this experience leaves me no other choice. It appears to me that Chase is no longer the bank for working professionals. I am sure many of my colleagues would be interested in knowing about how Chase treats their longtime customers. XXXX XXXX had a shorter hold period for a {$3500.00} pay check. In fact, they made {$2500.00} immediately available upon deposit. I refuse to believe that a bank, of which I have just begun a relationship, would be more accommodating. It seems more plausible to me to change my bank to XXXX XXXX, who happens to be my employer 's bank. I would just like to know how long it takes to release the funds on the Cashier 's Check, which has already been deposited? By the end of the month, Chase will no longer have to be bothered with my few dollars. This Morning I submitted an online correspondence to Chase bank, who responded with their deposit policy. Nonetheless, the money still has not been credited to my account from a Cashier 's Check ( which is considered as good as cash ). 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: TX

Complaint narrative:
I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
NONE OF THE ABOVE. NO CATEGORY FIT MY SITUATION : I went default on a credit card in the amount of over {$20000.00} With Chase. Arrangements were made that the credit card company ( Chase ) would take out a specific amount each month from my checking account as payment towards this debt. At least 2 years of payments were made to them. In XXXX of 2015 I noticed that Chase was not taking any payments, I called and they said that they did not think that they would not get paid for a long time. I could not afford the $ XXXX they wanted, so they decide to consider it a charge-off. I was giving them $ XXXX I was paying them faithfully. Since they did not give me any written notice, and they sent me a XXXX form. I want to know whether they were legal in not notifying me that they were stopping collection of my payments. Maybe I could increase it a little. 
I want to know what my rights are here. Do they have the right to stop the payment arrangement with out written notice.?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My XXXX credit cards at chance had been hit with fraudulent transactions twice, and i reported these transactions promptly. I even proved that these were fraudulent transactions. So chase removed these transactions however supposedly they said i reported fraud again a third time. Which i did not do, And the reversed all the transactions and said to me that i gave authorization for these purchases. I did not give authorization. Well this led to Chase bank charging my XXXX Limit credit cards in astronomical amounts. Leading to XXXX, and XXXX on XXXX card. 

This raised the payment amounts tremendously to a minimum payment due of XXXX $ and XXXX on the other. This should n't have happened as i experienced fraud and for them to reverse the transactions and lying to me because their agent messed up and accidentlly marked my card fraud again, that was not my fault. I should n't have been charged for there mistakes. Well this led me to be late twice. So i called and got a Balance Liquidation plan. Which i still have the letter by the way. I made the first payment to this balance plan, Well i was late last month ONLY once and they sent me a letter saying if i miss two payments consecutively i will have my debt " Charged off ''. Well after this letter they went ahead and charged it off and i am not two payments behind. Therefore this is false advertisement, Not only did they ruin my credit but their debt collection actions and false letters are illegal and i am being scammed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX is reporting a credit card account that has been opened fraudulently. I am a victim of Identity Theft and had been in contact with Chase in XXXX 2015 when they called me to verify whether I had applied to this account. The Chase Bank representative was XXXX XXXX XXXX. I am in the process of purchasing a home and I have recently gotten an alert that this is now negatively impacting my credit rating. I need this resolved immediately. This account needs to be deleted off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account is overdrawn because it has overdraft protection and a surprise renewal was processed when the account was overdrawn. When I asked chase to remove the overdraft protection I was told that it would not prevent checks and/or debit transactions from posting to the account when it is already overdrawn. Seriously, do n't I have more control over my own account than that? If my account is overdrawn I do NOT want anything else paid until I get the account back in the black.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
i have had bank fraud on my buis. acct. multiple times and chase has all ways replaced my debit card, and never closed my account and opened a new one. i have had several new cards after fraudulent charges. i have reported fraudulent charges and chase has reversed charges, then reversed them out of my acct. i was in a car accident in 2013 .suffering from XXXX issues and not keeping up with my banking. my debit card and account numbers have been used to make charges with out my knowledge or permission ... i do not know if someone stole my mail or i have had my card skimmed and been robbed. chase will not return my funds. i have done lots of research my self and contacted the merchants via phone and thay said thay will return funds .but chase will not request it to happen.. some have returned funds and chase sent it bank as lagitatemant charges. bank reps in fraud department have told me thay can go back, if charges are recurring within 60 days of each other as far back till date thay started .. i have spoke in person with management in different branches, and not one, has closed my account, or suggested it to stop fraudulent charges ... and the fraud keepy happening. the fraud department did not do there job. i have filed a report with global investigation n security .protection unit with chase ... case # XXXX and still chase will not reverse charges. now account is closed and my company is closed due to being broke, because of the fraud .. I have reported it with XXXX police officer XXXX XXXX case # XXXX ... bank said thay will not and are not going to help to return funds ... seams like thay are as much a thief as the real thiefs are .. why would someone do banking with chase if thay do not protect or keep you safe from fraud .. next thay will not replace funds if thay get robbed and you lose you whole lifes savings .. cant trust chase ... if i had my money in my pocket its my responesibilaty.my money was in chase bank and thay should be held accountable for the fruad ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The terms of my Chase Private Student Loan were not explained thoroughly, and I was not informed there was a default repayment date set, even though I was enrolled in school. While trying to maintain monthly payments, my private student loan went into collections, and then without warning or notice went into default. I am a student at XXXX XXXX XXXX in XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.

Company response to consumer: Closed with monetary relief