vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Credit card companies will permit people to open accounts online and apply for credit on line but they will not allow a person using the exact same credentials that they had to open the credit card on line to close it on line. Their instructions to cancel are misleading, they tell you to call in on an XXXX number however there is no choices on the message que to pick from to cancel. so you have to sit and listen to all the que and then wait for someone to finally pick up after you wait on hold for ever. Then they tell you that unless you are calling from the phone number on the account then you ca n't cancel of which you have to have information that you probably keep hidden somewhere else. closing an account should be as easy as opening an account and making it this difficult to close an account should be against consumer policies. If I an open it on line then I should have the exact same rights to close it just like I opened it with the exact same credentials. No wonder there is so much fraud out there. You make it so easy to open it and so difficult to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser after court date and again in XX/XX/2016. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC
State: AZ

Complaint narrative:
I purchased a vehicle about one year ago around XXXX ... .. I was sold a vehicle from a used car dealer named XXXX ... .. I gave them XXXX down for a 2008 XXXX XXXX .... What XXXX XXXX did not disclose was he had obtained an title loan on the vehicle ( FRAUD ) ... .... To make this long story shorter ... .. He never paid the title loan back & the car has a lien on the title but yet he was able to get me financed through Mark 1 Finincial ... .. Now from what I know now mark 1 should have did a title search to make sure title was free & clear ... .. I do n't know what they did but I am now paying a car note on a car that has a lien on it ... .. Mark 1 told me they would take care of the problem and to continue too make my payments on time ... ... That 's was about 4 or 5 months ago ... ... Last Tuesday they told me they would not be able to help me & that I would have to figure it out on my own ... ... It 's to my understanding now that whoever has the first lien on the car has all rights to the vehicle ... .. So that would mean the title loan company has the rights to the vehicle & mark 1 has none ... ... So I would like a full refund of my money I 've been paying the last 11 months ... ... They want me to pay off a loan for nothing ... ... They ca n't produce clear title if I pay off the vehicle

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Before applying Chase Sapphire Reserve credit card at the branch, I had the Chase Private Banker to call the lending department to see if special consideration will be provided to Chase Private Client when the customer has opened many credit cards over the last 24 months. The lady from the lending department told the Chase Private Banker that special consideration will be provided to Chase Private Client but no guarantee of approval. Based on this piece of information, I decided to apply the credit card and it came back as a denial. When the Chase Private Banker called the lending department to request special reconsideration, then we were told special consideration for Chase Private Client was terminated XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had a Mortgage with Chase Mortgage for a few years. In XXXX I received notice that my escrow payment was to be increased. If not, my payment would be increased {$280.00} to XXXX. I made the payment on the escrow shortage on XXXX XXXX 2015. In early XXXX I received a letter from Chase in the mail that my new payment would be increased by this new amount ( to XXXX ) There was no acknowledgement that they had received the escrow payment or otherwise why this was. I called Chase on or around XXXX XXXX to ask for clarification. I went through XXXX sets of menus and talked with XXXX people, XXXX of whom was XXXX. I ended up talking with a woman whose name I did not record. This woman tried her best to insist that I now owed the amount of XXXX, but in the end could not explain why, even though she put me on hold for around XXXX minutes while she talked with a supervisor. When she returned, she again tried to explain but could not. While I had informed this woman that i was about to be late to work and needed to conclude, I was on hold for a long time, spent XXXX minutes with her letting her try to explain why the payment was increased ( but in the end could not ). n the end I spent nearly an hour on the phone, She told me that my payment would increase to XXXX in XXXX, but could not exactly explain why that was either - given that I 'd paid the escrow shortage in full ( I have made the increased payment of XXXX for XXXX ). She finally promised to find out and call me back. In the end - even though I had made it clear that I could not spend much longer, due to my attempt to accommodate Chase employees attempt to explain ( which they could not ) and the long hold periods - I was late to work and the cost to me in idle workers and other consequences was close to {$700.00}. As of today I did not receive a call back, but did receive XXXX robot calls saying I needed to call on an important matter. I called Chase back and spent nearly XXXX minutes during lunch with XXXX ( spelling is XXXX ) who tried her best to tell me why Chase wanted a payment of XXXX in XXXX, even though the escrow shortage payment that Chase requested had been made in mid XXXX, which she confirmed, and that the other payments that I had been required were also received. She also told me that Chase had received the XXXX payment ( which is the amount that had been required before now ) but not applied this payment because I had not paid the full amount. In the meantime, for " late '' payments Chase had assessed me {$170.00}. After XXXX minutes of trying to explain - and insisting that she was giving me the answer - she told me she was not qualified to explain the answer to this question and would send me to someone else. At this point I had to return to work and ask her to try to call me, She said she would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We received a final closing disclosure for our mortgage with JPMorgan Chase on XXXX XXXX, 2016, four days prior to our closing on XXXX XXXX, 2016. We noticed immediately that there was no line item for " State Mortgage Tax '' and subsequently no costs associated with it. We contacted our mortgage bank who could not immediately provide an explanation about the missing charge, but promised to look into it. On XXXX XXXX, 2016, less than 72 hours prior to our closing, we were issued another closing disclosure, this time including the " State Mortgage Tax '' with an associated cost of {$17000.00}. The reason we were issued this second disclosure, we were told, was to avoid any delays in the closing, with a promise that the discrepancy would be resolved at a future date. 

After our closing, we were issued an explanation that the first disclosure we received was actually a " draft '', and that the bank had purposely not included the " State Mortage Tax '' line item, and had for all intent and purposes planned to reissue another closing disclosure that would act as the " final '' disclosure. This struck us as odd since the there was no indication that the first disclosure was a " draft '' : there was no watermark indicating " draft '', " initial '', or " preliminary '' CD. Indeed, the very top of the document states " This form is a statement of final loan terms and closing costs '', giving us an assurance that this was truly our final closing disclosure. The supposed " draft '' and " final '' closing disclosures were actually exactly the same except for the " State Mortgage Tax '' line item. 

When questioned about this, Chase stated that a " draft '' CD is not a document that is typically provided to the borrower and it is watermarked " draft ''. They claimed that the first closing disclosure was an " initial '' disclosure, and the " final '' disclosure is provided at the closing table, and that there is nothing on a disclosure indicating that is it an " initial '' version. Additionally, Chase claimed that they did not need to technically re-issue the second closing disclosure until at the closing table, even though there was a discrepancy of {$17000.00}. 

After further questioning, Chase finally admitted that an error was made and that the " initial '' closing disclosure should never have been sent out. Even while admitting this error, Chase maintained they are not liable for the discrepancy. 

It is our understanding that mortgage taxes are XXXX tolerance line items that can not change from issuance of a closing disclosure to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I applied for a refinance mortgage loan on XXXX XXXX XXXX. XXXX TX XXXX. At this time I was given a Closing Cost Capital Worksheet form from XXXX XXXX XXXX XXXX ( His MLS XXXX ). 

I was told that I would have to pay for the appraisal which was {$470.00} I understood that this was a normal procedure so I was prepared to pay the {$470.00} with a check or credit card. 

On XXXX XXXX, 2015 XXXX XXXX XXXX put through an ACH business-to-business transaction against my savings account without my authorization. My wife when looking at our saving acount about 10 days later discovered the {$470.00} was taken from our Aavings account. She went in and asked XXXX for an explaniation and was told it would be repaid after closing. I have never and would never authorize an ACH out of my savings account, nor my checking account. 

After this the trust issue became a factor, along with a failure to completely explain the closing costs. Also XXXX XXXX XXXX got real upset with us when we refused to complete the transacion, he said that the bank would end the agreement. He sent an email of apology later that afternoon. 
I have called XXXX, and his manager several times to try to get them to return the ACH transaction, but they will not. I explained that the trust was no longer there, and the ACH was not authorized, and was an illegal Business to XXXX XXXX transaction, not allowed on consumer accounts. 
. 
I have contacted the ACH Resolution Department for the J.P. Morgan Chase bank and was told there was nothing they could do. I contacted the District Manager and the local branch of JPMorgan Chase and was told the same. The contact person phone number at the ACH Resolution Department I discussed the request with is XXXX, extension XXXX. 

I also contacted XXXX and the rules as explained to me stated, that " A Business-to-Business ACH transaction, states an agreement must be present betrween the businesses, and all other transactions require a recorded voice or signed authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Without my authorization Chase began sending unsolicited e-mails to the address in this complaint on XXXX/XXXX/XXXX ( " Chase_Unsolicited_E-mail_XX/XX/XXXX " attached ). 
I called Chase on XXXX/XXXX/XXXX and spoke to " XXXX '' at approximately XXXX CST. I stated that I Received an e-mail, re : Chase Freedom Rewards on XXXX/XXXX/XXXX, Had NOT had an online account with Chase in 6-7 years, Did NOT turn on any e-mail notifications. 
I WAS TRANSFERRED TO THE " PRIVACY DEPARTMENT '' WHERE AN UNNAMED PERSON VERIFIED THE E-MAIL ADDRESS WHICH WAS BEING VIOLATED, AND SAID THAT THESE E-MAILS WOULD STOP. 
Since then I have received unsolicited e-mails from Chase on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( " Chase_Unsolicited_Emails_XX/XX/XXXX_through_XX/XX/XXXX " attached ). I decided to wait after receiving the e-mail on XXXX/XXXX/XXXX to see if there was a delay in implementing the removal of my e-mail address even though it was promised over 2 weeks earlier ( XXXX/XXXX/XXXX ) and these days it should not take that long to update a database!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Mount Olympus Mortgage Company
State: MN

Complaint narrative:
I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XXXX as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older XXXX through the bureau in XXXX and then this new XXXX pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old XXXX, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XXXX and report date of XXXX, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
CREDIT CONTROL CORP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT CONTROL XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT CONTROL XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation