vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a Marriott rewards business card from Chase bank because they offered XXXX points as a sign up bonus. In the fine print it stated that the bonus would not be given if I had had this card in last 24 months. I assumed that if I had this card in the last 24 months my application would be denied but it was approved so I thought I would be getting the bonus. XXXX-8 weeks later after I had already spent XXXX dollars to get the bonus they told me I had did not qualify for the bonus. Chase should make it more clear in the application that someone could receive the card but not the bonus and they should tell the consumer right away not 6 weeks later. I feel like I signed up for XXXX credit card product with certain benefits and was given another product with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The check I deposited into Chase Bank was cleared and paid to Chase Bank but they have put a hold on the funds for 8 ( eight ) days. It was a transaction between different banks which I both had accounts with. Very puzzling why my funds are not available to me, though Chase Bank has been paid! I 've contacted them by phone and was told to wait till XXXX so they could call XXXX XXXX ( other Bank ) to verify. Still till this day have not gotten funds available to me ... ..Keep getting e-mails from them saying deposit is on Hold! 
I ca n't go into Chase Bank to make a Cash deposit to cover any possible transactions submitted to them for payment from my checking account -- checks will possibly bounce due to this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I just received the attached letter on XXXX XXXX, from Chase suggesting I look into Short Sale of my home of nearly 27 yrs. I take this letter as a threat to sell my home out from under me!! like the already filed complaint ( CFPB ) referenced the phone call I received from Chase Collections dept in my previous complaint with CFPB whereas the caller told me that they could sell my home out from under me and I would not know anything about it until I got an Eviction notice from the local sheriffs dept. I am extremely concerned that Chase is about to do this to me, I feel extremely emotionally abused and threatened. There is a deadline date of XX/XX/XXXX on this letter attached. I am still awaiting to hear from Senator XXXX XXXX office if XXXX gave up to them the audit that XXXX did on this predator loan in XX/XX/XXXX. I am presently looking into a possible court action against Chase for Blackmail ( Chase previously tried to rope me into a XXXX modification or face possible foreclosure etc ... ), fraud and etc .... on this matter. I believe that Chase is trying to ignore the wrongs they are and have been doing to me causing enormous duress and extensive financial and emotional, strain and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: MT

Complaint narrative:
I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for and received a credit card issued by Chase for Amazon XX/XX/2015. Balance was paid in full by the billing cycle after the card was issued. XXXX letters were sent to Chase with a copy of the cleared check from my bank and a carbon of the check itself asking them to reflect the charges. The second effort was met with a response saying the issue was under investigation and I should do nothing. Today, I received a past due notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I believe my credit card was used fraudulently. I do n't understand how the card was used since it did not leave the cardholder 's possession. The card company did not provide copies of every charge. Dates and times of many charges could not have been made by the card holder. XXXX or more copies of receipts clearly show a signature that is not of the card holder. I believe the pattern of charges are consistent with obvious fraud. At no time did the card company contact me and question or ask about the charges. The charges exceeded the indicated credit limit and the card company allowed them anyway by just raising the limit. No explanation as to why the charges valid have been given. The card company response is just " ... determined that the transactions were valid ''. There has been no response with any substance to my letters or questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Despite not opting-in for overdraft protection, Chase Bank, NA paid XXXX {$3600.00} when my checking account balance was only {$2400.00}. While I was in the hospital suffering from XXXX Chase Fraud Prevention first attempted to contact me XXXX/XXXX/2016 regarding suspicious activity on my account and also denying every transaction from XXXX/XXXX/2016 until XXXX/XXXX/2016 which included multiple attempts by XXXX XXXX Car from that period. Also, {$3600.00} is an astronomical charge for a XXXX XXXX that was recovered by XXXX XXXX XXXX while I was in the hospital. I entered a rental agreement via XXXX XXXX XXXX on XXXX/XXXX/2016 for {$110.00} not for several thousand. 

My Social Security Number is : XXXX My Bank Routing Number is : XXXX My Bank Account Number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello to whom it may concern. 
I been awarded my deceased parents property in XXXX Mass ( XXXX ) probate was a long delay, over 5 years in limbo, finally the court has signed off on the estate. The mortgage payments was not able to be paid by any family members while the property was in probate. This has caused a large past due balance owed. 
I now have legal procession of the property, I contacted Chase bank to let them know. 
I have had my name added to the tittle deed and also the home owners insurance put in my name. 
I filed for a loan ussumption and modification and was denied reason stated in letter. 
we could n't verify your incomes/ or employment on the information you provided. 
I called immediately I said I provided all documents that was requested. 
XXXX monthly bank statements these statements included my direct payroll deposits and first floor tenants lease monthly rent. 
I also provided XXXX payroll stubs as requested. and the XXXX XXXX form as requested. 
Chase had many ways to verified my income and employment City Of XXXX, I sent a letter by via fax to dispute the denied letter. 
I feel Chase bank is not doing all the research as required, I contacted my employment XXXX City of XXXX treasury department and asked if a mortgage company contacted to for status of my employment income status. 
I was told no mortgage company had contacted them. 
I feel that Chase bank or the under writers and the investor ( XXXX XXXX XXXX ) IS TRYING TO STEAL MY PARENTS HOUSE FROM ME please any help or legal direction advise would be helpful thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
yes i worn a law suit against chase mortgage i recieve my deeds full owner ship a year ago and they have ohold on me my credit all credit beau they surpose to had clear that please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: GA

Complaint narrative:
Account Number # XXXX. 

Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. 

At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. 

I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. 

With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an XXXX credit card when I was in college. It was bought out by Chase Freedom. In the process of changing companies I missed a monthly payment in I believe XX/XX/XXXX. Chase immediately penalized me by raising my interest rate to a borderline usury interest rate of 29.99 %. I graduated in XX/XX/XXXX into a bad job market and was underemployed for much of XX/XX/XXXX and XX/XX/XXXX which made it incredibly hard to pay down my balance while the absurd interest rate was being applied. I eventually was able to pay off the balance. Since that time my credit has drastically increased and I have been able to buy a nice XXXX family home without a joint applicant or co-singer. I have also been able to obtain new credit cards with competitive interest rates. 
I have called Chase freedom several times over the last couple years to have it lowered to a reasonable rate that is in line with my credit report. During this same time period other credit cards that I use have lowered the interest rate on my cards without me even requesting it. Chase 's explanation is always the same. They in a friendly and polite way tell me there is nothing they can do and that is the lowest interest rate they can offer to someone in my situation. They informed me that they periodically review the account to lower my rate. If that was true it would have been lowered. From my conversation with them it is my understanding that the one criterion I am not meeting is credit card activity. Once the card was paid off I stopped using it for obvious reasons. I explained to them that only a desperate person would use a card with 29.99 % interest rate and I would n't start using the card unless it had a reasonable rate. In my opinion I have been responsible since that one missed payment and they are choosing to punish me for the life of the relationship. Chase informed me that they no longer use the same practice of penalty pricing but was nice enough to grandfather me in under the less favorable terms. I do n't believe the process they use gives me a fair opportunity to lower my interest rate to a reasonable level. I closed the card because they made it clear they did n't want my credit card business unless I was going to pay 29.99 %. I understand Chase is XXXX % covered legally on what they are doing but I believe their practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a loss on my home and the insurance company paid for the loss. First mortgage Chase wants to keep the money in their escrow account and pay the contractors when I provide Chase with the licenced, insurance and estimate provided by such contractors. I find this unacceptable as Chase is not a insurance company or claim processor. Chase needs to release the funds and be fined appropriately.

Company response to consumer: Closed with explanation