vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I rented a minivan including XXXX insurance from XXXX XXXX XXXX Airport XX/XX/XXXX for 4 days ; the vehicle was flood-damaged during Hurricane XXXX while parked in a hotel parking lot where I was staying in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The local area was severely damaged and without communications, electricity/power, or water. All electronics in the car were inoperable and access could not be gained ( due to the car having only electronic locks and no key locks XXXX. With regional devastation from the hurricane, communications were not available and there was no means to contact XXXX or anyone else. After several days stranded at the hotel, I was able to get a ride to the airport for evacuation. On the way, we passed the XXXX rental car facility and noticed that it was badly damaged and appeared to have been abandoned. The first opportunity to contact XXXX was made upon my return XXXX XX/XX/XXXX through their contact page on their website. I also contacted Chase to notify them of the situation and requested closure of my account to avoid unauthorized charges. Chase informed me that even if the account was closed, the charges would still come through. 
No responses were received XXXX until XXXX separate charges were posted on my Chase Freedom Visa card XX/XX/XXXX totaling {$9700.00} plus XXXX XXXX transaction fees totaling {$290.00}. I contacted Chase multiple times to dispute the charges through several rounds of disputes, insisting that specific documentation was needed as to why the XXXX insurance was not being accepted and why I was not being provided an itemized list of the charges. I also filed an insurance claim with Chase that they also rejected claiming that it was voided by the XXXX insurance that I purchased which I informed Chase that XXXX informed me was required by XXXX law ( so there was no option for me to decline the XXXX insurance at the point of rental ). Chase is unresponsive to this information. XXXX has consistently been unresponsive and inaccessible through their various XXXX numbers and refusal to provide contact names, direct phone numbers and/or emails. 
Chase 's multiple investigations yielded a copy of my original rental agreement and what I believe is a fraudulent charge for damages, with the charge being entered into a blank Chase card imprint that XXXX also required me to leave with them at the time of the rental. I continued to insist that Chase provide specific documentation re. the insurance and charges but Chase has not been responsive and has since claimed that the charges are valid despite my protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Sapphire Rewards card. We applied and were approved and added our son and his wife as an authorized user. The cards came and we began using them, replacing automatic payments and making this the primary so as to earn rewards faster. All transactions were approved for about a week or so then we logged in to make a payment and our access was restricted so we called customer care. They spoke in very cryptic and vague details saying it was under fraud alert and escalated to another department for review. We asked for reasons why and were given none. All the charges made had been for bills i.e cable, phone, insurance so we thought this was odd but nevertheless figured it would get sorted out. We have called and spoke with numerous departments and spent hours on calls being told they would call us back. We filed a CFPB complaint and received a letter from Chase to call their account rep XXXX XXXX. We have left multiple voicemails and he has left one voicemail returning our voicemails at a odd hour of day. We continued to call and leave voicemails hoping to reach him but did not. Late last week all of the charges on the card were suddenly reversed and we were charged late fees for various accounts i.e cable, phone, auto insurance. We have no idea what is going on with this credit card account we just know this is the worst experience EVER from customer standpoint we have ever had in our lifetime. No communication, no explanation all while restricting access to view and bill our credit card balance giving us anxiety that they will somehow manage to ruin our good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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:
I have had money issues and checks have been returned by the bank. the fees so far add up to XXXX with another XXXX forthcoming. I make XXXX dollars a month social security and do not have any other source of income. Is there anyway I can get some of these egregious fees reversed?

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

Complaint narrative:
In XXXX 2015 I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card through Chase bank. I applied on-line through the Southwest Airlines website by clicking on a banner advertisement. The banner clearly stated that if I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card that I would be eligible for XXXX bonus points if I spent {$1000.00} in the first XXXX billing cycles. I read and re-read the credit card contract and offer multiple times and decided to apply. My application was instantly processed and approved. I received the credit card shortly and proceeded to use the card to meet the {$1000.00} spend requirements. Within the first billing cycle I achieved the spending requirements and awaited the addition of the XXXX bonus point to be added to my Southwest Rapid Rewards account. I was aware that there was a delay of XXXX to XXXX weeks to process the bonus. So, when my bonus miles did not get credited to my account after the first billing cycle I was not concerned. On XXXX/XXXX/15 a {$100.00} statement credit was applied to my Chase Visa card. This seemed faintly familiar since I believe it was also part of the XXXX Rapid Rewards credit card promotion. On XXXX/XXXX/15 my Rapid Rewards credit card was credited with XXXX points. In XXXX I had not seen the XXXX rapid rewards points credited to my account. I had operated under the impression that since the original offer was for XXXX points was for {$1000.00} spent in the first XXXX billing cycles. XXXX should have been the end of the first XXXX billing cycles and I had still not seen the credit. On XXXX XXXX I called Southwest Airlines at XXXX and spoke with a customer serviceperson. She explained that my points should be coming as soon as the next bill/cycle posted. On XXXX XXXX I used the automated website email and submitted the same question to them. Later that afternoon I received an email once again stating that reason for the delay was due to the XXXX to XXXX week processing time. On XXXX XXXX I called Southwest again and spoke to a customer service person and they said they will inquire directly with Chase Bank about the issue. On XXXX XXXX I got an email from Southwest stating that Chase Bank had denied that I signed up for the XXXX bonus points offer but that I had actually signed up for a different offer of XXXX bonus points and {$100.00} off your first credit card bill. I called Chase Bank directly at XXXX and stated to that this was incorrect and that I had clearly clicked on the banner for the XXXX bonus points offer. Chase denied that this was the case. Chase claims that I applied under the XXXX points / {$100.00} off XXXX statement offer. I asked to speak to a supervisor or a manager and they refused to put my call through but gave me a fax number. They stated that my claim would be denied even if I faxed a letter in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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:
I 've requested documentation regarding the Overdraft Fees reported to XXXX and they refused. They are withholding important information I requested because I contacted Office of Comptroller and Currency. I told XXXX Chase can not withhold information from the customer accounts. According to FCRA, they have to provide derogatory information they supplied to XXXX. 
On XXXX/XXXX/16, XXXX XXXX told me " Since you reported J P Morgan Chase to Office of the Comptroller of Currency, they would not provide the information ''. XXXX refused to provide the information she called me about. In addition, XXXX told me they got my online request to close the account and they did not close it because there was a pending transaction. I stressed to them that I am a victim of Identity Theft so closing the account would avoid further overdraft fees. I asked XXXX the same question and she said " the account at XXXX are all fees '' then contradicted what she initially said " the accounts not on XXXX are the accounts with overdraft fees. I still do not understand why they would hold overdraft accounts for 2 years then place it on XXXX. 

I would like bank statements from each account including paid off accounts. J P Morgan Chase would hold deposits to accrue NSF Bank Fees to make more money. Then have their collection department harass the customer. J P Morgan Chase has refused to provide information to clear up this issue. As a previous Chase Manager with a team, I know all the representatives in the call center and in the branches have a set quota for opening checking account and other products. If they do not meet the sales goals, they are placed on Corrective Action or terminated. Inside the bank and sales department were opening accounts and customer did not authorize the opening. Therefore, in an effort to meet goals they apparenting do not check their resources such XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XXXX 2014 I used Chase internet bill pay and processed my home payment. In XXXX they contacted me and said the payment never went through. They apologized and removed the late charge. They said they were having maintenance or the system was down and took my payment over the phone. They never told me they would be reporting to the credit agencies I was late. I was late but it was not my error. I have requested several times for this to be corrected and they have refused. I recently was declined credit due to this specifically being on my credit reports. I have called, write letters, etc., but they are unwilling to correct their mistake. They acknowledge that by key strokes they can see that I attempted several times to log on between the XXXX of the month of XXXX and then not again until they contacted me on XXXX XXXX. This clearly is because I thought the payment went through. I have a long tenure with Chase and do not deserve to be treated in this manner. I pay my bills through internet bill pay every month and have never had a problem with the payment being processed. I simply ask them to correct this as a systemic error.

Company response to consumer: Closed
Consumer complaint received 2015-07-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending
State: CA

Complaint narrative:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I had a call from this number from this number. I called the number back the individual said something, none of which I could hear or understand. The individual was rude when I kept saying hello as they were going so fast his respond was I am going. He did not say who they where and wanted me to verify my info which I refused as I did not know who I was talking to. individual then stated since I will not verify he will have to end the call. I did him the honor and ended the call.

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 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: Receivables Performance Management, LLC
State: VA

Complaint narrative:
Receivables Performance Management is a 'supposed ' collection agency that has put an account on my XXXX credit report which is NOT MINE. I disputed this a year ago, XXXX 2014, through XXXX and it was removed from my account. 

Well, when I went this week to get a Home Equity Loan ( 100 % equity in my home and XXXX credit score with XXXX ) I was denied because of a {$83.00} 'collection ' for XXXX XXXX that Receivables Performance Management put BACK on my credit report in XXXX 2014. 

When I called XXXX and AGAIN disputed this I was told about them putting it 'back ' in XXXX 2014, and I was given the name and number for Receivables Performance Management, XXXX. I called the number numerous times and it rings and rings and then you get what sounds like an 'answer ', but it goes SILENT, no person, no voicemail, nada, zero. 

So, I got online and found ANOTHER NUMBER for them and this number just goes to a voicemail for a XXXX '. After reviewing the numerous complaints online I found that XXXX ' NEVER RETURNS CALLS. This is a total SCAM COMPANY. 

Their address is listed as follows : Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX. 

I know that you have had MANY complaints filed about this company, please, please DO SOMETHING TO STOP THEM as they are ruining people 's lives, myself included. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.

Company response to consumer: Closed with explanation