vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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 am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was married for XXXX years and my husband was a drug addict addicted to prescription narcotics, he was and I am a registered nurse. My husband and I filed bankruptcy in XX/XX/XXXX because of his prescription drug addiction caused him to make poor financial decisions. In XX/XX/XXXX my husband abandoned myself and our XXXX children and moved from XXXX to XXXX to be with his XXXX. I filed for divorce and was granted a divorce under misconduct and was awarded full custody of both children. I tried to keep my home not knowing that the mortgage was included in a bankruptcy. When I found out that my husband married his mistress I called Chase to do a loan modification to put the house just in my name and that is when I was notified by Chase that the only way to do that was to have my ex-husband sign a XXXX claim deed and my ex-husband stated he would NOT sign anything pertaining to the house. Me and my children had no choice than to move. I have since restored my credit and am trying to move forward with my children and this house is still hanging over my head since XX/XX/XXXX. The mortgage with JP Morgan and Chase was never re-affirmed. Chase is not reporting on my credit report but has failed to take this house out of my name with XXXX and the FHA. A credit agency was asked to do a investigation and I have attached this report to this complaint as well as my hardship letter. I have applied to and been approved for a mortgage with the FHA and the only hold up is this house still being in my name. I have consulted XXXX attorneys and the FHA, all of whom stated " we have never seen a case like this where the house is not on your credit but still in your name '' XXXX attorney I spoke to stated " I guess you got a free house ''. This has become a joke! I just want this house out of my name. I have told my story over and over and no one can advise me of how to get this done. I feel my rights have been violated as a consumer, this is unfair and immoral that these banks can take their sweet time and disrupt and destroy a persons life. I paid on that house 11 years and due to this unforeseen circumstance that happened to me and my children, my husband gets to move on with a new wife and a new home, cause he put it in his wife 's name and me and my children continue to be punished. WHO PROTECTS MY RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
After closing my accounts with Chase Bank they sent me a credit balance refund check that Chase Bank would not cash because I did n't have an account with them. The XXXX XXXX branch located at XXXX XXXX XXXX, XXXX KY XXXX began this scam at the drive-thru window then I went inside and discussed it loudly with the bank manager who upheld the scam and refused to cash the check issued by Chase Bank. This is flat out fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Signed up for Lexington Law and was told that I can cancel at anytime called 2 days after signing up to cancel because the rep was trying to charge me XXXX dollars to start and I started that was a tad bit steep considering the amount of items I had. I was told they was going to lower the bill due to keeping me from leaving. The rep told me he would tackle the items that I requested him to. As of Tuesday XXXX XXXX, 2016 they sent off disputes for items that I did n't need them to. I called on XXXX/XXXX/16 to cancel before I was due to get charged on XXXX/XXXX/16 to cancel because I was unhappy with their services and I was told because they sent off 5 disputes in which 2 of them I requested that they do n't do it before they did it anyway. I had to pay for their services. I told them that they services was n't rendered as stated and I wo n't be paying them anything. I was told they will take the funds off my card anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
1. On XXXX XXXX, 2015, my wife presented her Chase MileagePlus Awards XXXX credit card for the {$3500.00} fee. The transaction posted on XXXX XXXX, 2015. 
2. On XXXX XXXX 2015, she contacted the merchant and presented my MileagePlus Club card for the {$3500.00} fee and was told by the merchant that the charge would be reversed on her card and the merchant provided a reference number for the charge reversal - XXXX. 
3. I did make payment on the full balance of my card for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. 
4. When the reversal did not appear on her statement she initiated a formal dispute of the charge. She was instructed not to make payment. 
5. The dispute resolution department has examined the documentation provided twice and determined " that the transaction was valid. '' 6. Despite the fact that I made full payment for the services rendered on my card, despite the fact that she was instructed to withhold payment : a ) Chase has continued to assess her financing interest ( easily corrected ), b ) and more importantly, Chase has notified the credit agencies of an adverse determination ( possibly irreparable damage to her credit )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I took out credit card as a XXXX. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.

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

Complaint narrative:
I am currently paying a {$120.00} annual fee for the Chase Sapphire Preferred Card, which is one of my favorite credit card products. Today, I found out my friends, who signed up for the same card during the same time as I did, is paying {$95.00} in annual fee. The company advised me that the Credit Card companies posts test links in the market to test a price plan. I, unfortunately, was targeted with a higher cost fee and the Customer Service Rep advised that he has seen a fee as high as {$150.00}. I advised that this does n't sound fair to me, considering the card has the same benefit as the Chase Sapphire Preferred that charges {$95.00} annual fee. This is very misleading to to consumers and I am concerned that it is targeting the audience unfairly. How many other consumers are they targeting at un-equal prices? Please advise. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On vacation, calling from our car, I used our credit card to book a hotel room by phone through XXXX. My wife was looking at the website on her tablet. The XXXX page states the XXXX following reassurances : " And there are absolutely no booking fees. '' and on the lower left " Best Rate Guarantee ''. I was told during that call that the total was {$99.00} and that I would need to pay the separate {$15.00} pet fee at the XXXX motel. Upon paying that fee with our XXXX at checkout I asked for a receipt and was provided with the attached. It shows the room rate paid of {$82.00} on a XXXX ending in XXXX. This is not our card, but apparently that of the booking agent. Further, the XXXX WA address provided is not our address, but belongs with that booking agent card. Despite the no fee claim on the XXXX website, they have collected a hefty fee of over {$15.00}. Also, we interpreted Best Rate Guarantee to mean that a discount rate would be extended, such as auto club. In fact the {$99.00} represents a full price. We did not realize until too late that the terms of the Best Price Guarantee are limited to catching them within XXXX hours. XXXX is misleading and defrauding thousands of people each day since so many of us travel with our pets. Once home I contacted my XXXX card bank to dispute the fee portion only to be told by the Chase representative that XXXX " did provide a service ''. I was connected with a representative from XXXX and no resolution was achieved. I called Chase Bank again and asked to file a written dispute and was told by Chase Bank that no forms would be mailed. In addition to XXXX 's deception, Chase Bank is denying me my right to dispute a fraudulent charge amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made extra payments towards my principal and Chase applied them as " advance payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a student loan with XXXX/JP Morgan CHASE BANK. First part of accont number is XXXX. My name is XXXX XXXX. Was XXXX XXXX at time of loan. My account is currently in deferral. I have contacted this company on several occasions. XXXX sends me back to JP Morgan Chas and JP Morgan Chase sends me back to ACS. I can not get any assistance with this matter. On XXXX of 2013 my student loan was reported as ok. Then on XXXX 2013 my loan is reported as sixty days late! This is impossible. How can you be 60 days late when you were ok the month prior. I am currently applying to XXXX school. This 60 late is incorrect and needs to be removed from my credit report.

Company response to consumer: Closed with explanation