vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Leased a XXXX from XXXX XXXX XXXX ( Chase Bank ) 3.5 years back- lease had a buy back provision at the end of the lease which I used about 35 days back. In the process of buying the car they offered financing which I accepted and they collected {$850.00} as part of the finance contract buying the car. My first payment was due a couple of days ago, and they are still holding on the the sales tax money needed to register my car. I am a retired auto dealer and have decades of experience financing and titling cars in Idaho, and right now I am driving an unregistered vehicle. The instructions with the contract Chase mailed said they would mail a check for the taxes due to register the car. I called on XXXX earlier occasions, on XXXX they said they would send the money electronically and the second they said they would mail a check. Today I received a letter from them saying they would transmit the money electronically to the state XXXX on XXXX. 
How do they do this? My first payment is due and I am being asked to pay for a car I ca n't register. If I go pay the taxes again myself I have no guarantee I can collect them back from Chase, especially given their record on this transaction to date, and I am driving an improperly registered car and if they come through on the XXXX being asked to do so for almost 2 months. If I had floated state tax money like this when I was an auto dealer they would have locked the doors. I would also imagine if they are doing this with me they are doing it with everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
We had a small {$190.00} balance with a Chase Card that we did n't know about. We had electronic statements checked off online, but my husband had changed his email and we were n't receiving the statements. We did not receive any letters in the mail or any phone calls to inform us of the balance and to tell us that it was past due. Chase simply reported this to the credit agency without warning. This has now affected our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank breached my account, and gave my information to someone else and me access to someones account. The resolution is for me to change my account info and update my automatic payment and direct deposits, for my safety? Though the bank had an obligation to keep your information safe? If they do n't what happens? Where can we get help fighting the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a credit limit on my Chase Credit card of {$7000.00}. In the month from XXXX to XXXX 2015, there appeared on my credit card XXXX internet transactions for purchasing dogs on-line. I never ordered, nor authorized the purchase, nor did I receive any dogs or puppies ever. Chase now claims that I owe over {$12000.00} for these animals. The charges in question are as follows:1. XXXX on XXXX/XXXX/15 for {$5800.00}. XXXX XXXX on XXXX/XXXX/15 for {$2900.00}. XXXX XXXX/XXXX/15 for {$2600.00}. XXXX on XXXX/XXXX/15 for $ XXXXThese fraudulent charges total over {$12.00}, XXXX in XXXX month. Again, my credit limit is {$7000.00}. Any reasonable person would see that these charges are crazy. I have had this credit card for about 10 years and have never purchased, nor would I purchase a dog over the internet. I have n't even come close to my credit limit in those 10 years. I wrote XXXX letters to Chase for them to have a reasonable person look into these fraudulent charges but have had no luck. I even sent a complete package to XXXX XXXX, the XXXX of JP Morgan Chase on XXXX XXXX, 2015 to his New York office but they did n't even look into the case. I received a " standard '' rejection letter from the fraud department dated XXXX XXXX. They have not sent me any proof that I ordered or authorized these purchases. No signature, no emails, no recorded message or any proof that I authorized or purchased these animals. I need your help. They are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.

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

Complaint narrative:
I have an adjustable home mortgage mortgage with Chase that adjusts each XXXX. Chase sends multiple bills each month and I paid several months in advance without being aware of it. The monthly bills I receive from Chase state the due date for the payment but did not change after I paid several months in advance. I timely paid the correct amount for XXXX XXXX and XXXX XXXX using the Chase bills that indicate the monthly payment and the due date. Unknown to me, Chase imposed a " corporate advance '' allegedly to keep my mortgage in good standing when I paid my XXXX XXXX bill because Chase " credited '' my XXXX XXXX payment against my XXXX XXXX bill ( which had slightly gone up due to the yearly adjustment ). All of the mortgage bills were timely and completely paid. For example, my XXXX XXXX bill was timely paid using the Chase bill statement which indicates a due date of XXXX XXXX, XXXX. Chase nevertheless is charging me for " corporate advances '' XX/XX/XXXX and again in XXXX because they made up the difference between the XXXX and XXXX figures ( which I timely paid anyway ). I have written Chase and talked with them on the phone and they have refused to delete the charges they call " corporate advances '' despite the fact I have timely paid the complete mortgage payments due. I will try to forward a copy of one of my letters to Chase to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have XXXX inquiries on my Equifax report XXXX XXXX and Online credit reporting, I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There 's an option to transfer a balance on my card but I 've never been able to transfer a balance. I 've had this card for about four years and have never been given an offer to transfer balance. But Chase still has the option to do so, I would like to be able to transfer a balance since it 's listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: FL

Complaint narrative:
The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase business credit card # XXXX with a {$4000.00} credit limit. I have had this card since XX/XX/XXXX. I pulled my credit reports on XX/XX/XXXX and found that the card was n't listed at all on any of the XXXX credit reports. I sent certified letters to all three saying they needed to add the card to my report. Today, XXXX said it is the responsibility of the credit card company to report the card to the XXXX companies. 

So I called Chase and they claimed it is their policy not to report any business cards to the XXXX companies unless the person falls XXXX days delinquent on the card. I explained that it is my card for my business, a sole proprietorship. I said there is a payment history there I want on my report because it is perfect and I am trying to build better credit for myself. They refused to add the card to my credit report. 

I explained that I have another business credit card from XXXX XXXX # XXXX and it appears on my credit report. Chase did n't care. They refused to do what I asked. 
That Chase bank is picking and choosing which cards they would like to report is unfair and is affecting my credit score. It seems like it may even be illegal. That Chase will report the card when your credit is bad ( XXXX days delinquent ) but NOT report the card when I have excellent credit is also unfair. I 'm not sure what to do. Are they breaking federal law? They certainly are not serving the customer with this policy. If I had that additional credit of {$4000.00} on my report, my ratio of debt to credit would go down and I believe my credit score would go up. Can you help me with this matter? 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I did n't give them authorization to run my credit on XXXX XXXX 2015 I sent them numerous letters and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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:
After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: M. G. Credit, Inc.
State: FL

Complaint narrative:
Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
At horrible dual charging complaints against Chase Bank and XXXX XXXX XXXX, so I do not like XXXX XXXX XXXX continually due of unfit resident of Oregon in facing rough with horrible complaints report to U.S. Senators and Speaker XXXX XXXX. I complain against Chase Bank that he did not show up and did not bring XXXX XXXX XXXX to XXXX XXXX XXXX and discuss with me in banking issues and I did not happy applied with For new Chase checking customers ... {$150.00} When you open a CHASE TOTAL CHECKING ( R ) account* & set up direct deposit** that I do not want alone going to Chase Bank , understand clearly! I did not get {$750.00}. I am really mad at Chase Bank that XXXX XXXX official with high-position did not show up and did not bring me to XXXX XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I feel like CHASE is not working with me to find a solution with my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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:
In late XXXX XXXX, my husband and I began the process of applying for a HELOC. We were approved by both banks for which we applied to ( my credit union and our current first mortgage holder, Chase Mortgage ). Ultimately we decided to go with Chase, they agreed to lower our originally approved interest rate to be in line with the approval rate received by the Credit Union. Also, we assumed the process would be streamlined, quicker, and easier with Chase as they held our first mortgage. 
Unfortunately, that was not the case. We experienced many delays and back and forth due to internal errors such employees misrepresented loan rates, misadvising of company policies, and engaging in dishonest loan origination practices. Additionally, delays were caused by Chase employees inaccurately sending the paperwork to the underwriters incomplete and subsequently, sending the paperwork a second time with erroneous information. 
Their internal errors resulted in the loan process going over a 60 day period. I was advised of the potential of another credit inquiry as is generally their policy if the loan process goes over 60 days. As a result of this information, the loan process timeline, and rate discrepancies we advised Chase of our intentions to pursue the loan with my credit union and forgo the loan with them. However, Chase guaranteed the rate issue would be resolved and guaranteed, as the delay was their error, they would not pull my credit nor my husband 's again. We agreed to the loan under those aforementioned conditions. 
The loan was signed on XXXX XXXX, XXXX. As of today XXXX XXXX, XXXX our credit monitoring has advised that on XXXX XXXX, XXXX Chase Mortgage has completed a hard inquiry on both my husbands and my credit report. These inquiries are illegal and unauthorized. This is a violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Refer to complaint # XXXX The CFPB had sent the complaint to Chase. 
Chase ( XXXX XXXX XXXX XXXX ) as the letter from XXXX in the files indicates, XXXX is now a part of Washington Mutual. Chase ( XXXX XXXX ) is unable to access the records of XXXX until he has verification from the CFPB that PNC MOrtgage is a part of Washington Mutual, who Chase now owns. With this verification from the CFPB, Chase will then be able to access the records of XXXX thru Washington Mutual.

Company response to consumer: Closed with explanation