vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I experienced XXXX instances of check fraud that involved mail theft within the last two months. Both cases involved mailed payments from a local mailbox to different individuals. In both cases I contacted my bank ( i.e., Chase ) to file an " Affidavit of Unauthorized Endorsement or Altered Item '' and provided the necessary evidence of the altered checks. In essence, the alterations on XXXX checks are extremely obvious and there is a track record of payment to the individuals to back up the case. The resolution of the matter ( funds to be credited back to my account ) should be fairly routine and expeditious. The bank seems to have a protocol that allows for keeping the consumer in the dark for a prolonged period of time, and with no legitimate contact person that can directly respond to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I got an auto loan through Chase and could n't make the payments so they eventually charged off the account. After the account was charged off I paid them for the balance of the charged off amount but they are still reporting to the XXXX major credit bureaus that I have an unpaid charged off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Auto Finance ( CAF ) is either unable or unwilling to provide accurate consistent documents and most importantly a reliable final bill. After several calls and letters, I still do not know what my outstanding charges are or if I 've received credit for all of my payments. They do not reply with any explanation. Instead, their replies are simply copies of documents already provided. In addition, during XXXX, XXXX and XXXX of 2016, CAF continued to collect lease payments even though the lease had matured in XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I pay my Chase Sapphire Card in full, every month, without exception. At times, I end up paying a few days late due to travel/work. Because I pay in full, I call and ask at time of payment for a refund of any late fees/interest ( if any ), and they have 100 % of the time obliged ( for obvious reasons ). XX/XX/2016 this happened again, and I was told on the phone that the late fee/interest was waived and I paid the remaining balance in full. As it turned out, they only waived the late fee, so I in actuality did not pay in full, kicking off a series of monthly interest charges. This happened XX/XX/XXXX and XX/XX/XXXX as well as I was traveling for work/holidays over the due date. I again paid in full and called and they said the fees/interest were waived. It only now has come to my attention that the interest was never waived as told, which means my payment " in full '' was short an unknown interest payment, allowing them to rack up hundreds in interest fees ( that I thought were waived ) on purchases that were paid in full. When I called them, they said they could n't do anything, EVEN THOUGH THEY HAD TOLD ME FOR MONTHS that those fees had been waived ( and therefore I was paying in full ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wrote a check to an individual on XXXX/XXXX/17. Check cleared my bank the same day. Individual receiving the check was told by his bank ( Chase ) that the check would be on hold, and subsequently funds not available to him until at least XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: Galaxy Capital Acquisitions, LLC
State: ME

Complaint narrative:
I am a XXXX year old XXXX XXXX Veteran, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My health is very poor and my future is bleak! 

I have received a communication from XXXX XXXX XXXX telling me that I owe {$6700.00} from XXXX through Galaxy Asset Purchasing LLC, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last year XXXX I was approved by Chase Bank for Loan modification, saying that If I make my payment in 3months they would permanet it. I made the first paymet in XXXX. In XXXX when I called to make the second payment I was told that my morgage has been transffered to another finace agent, without no notice letter. After about XXXX calls i finally received the number of the other finace agent. To find out that my loan was transfferd to money collect agent. I made the second and third paymanet. To my suprise this company are treatning me with a lots of letter to forclose my house and also claiming that am owing some money that have to pay. I will be glad if my case is investigate accordinly and if any document is needed, I have all documents to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In 2012 I made a payment arrangement with Navient. I pay them {$100.00} every month since XXXX of 2012. This year they took my federal tax return as payment, saying I was delinquent. I was under the impression that when the payment arrangement was made it would bring everything current and I would continue to make my monthly payments. They submitted a request to take {$4200.00} of my tax return, leaving me with nothing. I 'm a single mother of XXXX, pay for everything on my own and I was really depending on my return to catch up on bills, get heating oil for my home and have a cushion for this year. When I contacted them I got a run around, transferred to central credit services instead of them, continually sent to an extension that requires you to leave a voicemail, yet you ca n't leave a voicemail so it hangs up on you. I do n't understand how they can take my refund when I make payments to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas XXXX and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Our Mortgage lender Chase, called and sent us a letter stating we were behind on a mortgage payment. When we called to pay by phone to keep it current, they did not call us back to follow up but, instead put a " returned '' status online, then kept sending us letters that is was behind. We attempted to pay XXXX different times over the phone with the same bank account information that was current with our mortgage account online for as long as we have had the loan. They have been telling us on the phone for over a month that the checking account was not found. That they can not collect the money from our checking account because they ca n't find it. How are we responsible for any late fees or now default when the mortgage lender can not find the account to take the money from? We have given them the same information 3 times and even spoken with our bank to be sure the account was correct. Please see about this error on Chase 's part so we can get rid of our late fees and default statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I dont recall ever having a chase account for this amount. I have called them may times only to get the run around by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I asked for the exact payoff on my account so I could completely close the account I paid the account in full and have recently got a bill from them I will not pay anything else on this matter because it is closed and was paid in full!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Upon reviewing my credit report after being denied a loan, I was told that I still owed money to Chase for an account that they wrote off. The debt was written off and a XXXX was issued and I filed taxes on this debt but they report this debt as still being owed on my credit reports. I wrote to all XXXX major credit reporting agencies and all three responded with no change to the status of this account. I 've called Chase 's recoveries dept. and they refuse to report this account correctly. This account should read as a XXXX balance on all credit reports due to the write off but they refuse to state it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a loyal Chase customer for over 11 years and just recently my Chase account was reported negatively to the credit agencies. I am requesting for all negative credit reporting to be removed from all XXXX credit agencies. I was 33 days late on a payment. I never received any phone calls or notification from Chase to inform me of this late payment. This is my first ever late payment reported and I need this removed due to not receiving any phone calls, emails, or letters from Chase to inform me my account was delinquent. I feel because Chase did not properly contact me to inform me of the delinquency, I should not be held responsible for being 33 days late. As soon as I found out about the delinquency, I paid it immediately. I am currently in my residency and can not have this negative remark on my credit report.

Company response to consumer: Closed with explanation