vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Mid-America Accounts Control Bureau, Inc.
State: MO

Complaint narrative:
I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I had a mortgage with Indymac bank since XX/XX/XXXX with a {$250000.00} for 15 years. In XX/XX/XXXX, I retired so my income was drastically reduced. My loan was modified for 40 years. My loan was transferred to Ocwen loan Servicing, which I later found out is the same company. According to Ocwen, an escrow analysis showed that I have over {$4000.00} negative balance. My payment was raised from {$1600.00} a month to {$2400.00} to cover the shortage. According to Ocwen there was a {$2600.00} escrow shortage from XX/XX/XXXX that was not included in the modification in XX/XX/XXXX but why will my payments go up by {$700.00} a month and the modification was done wrong by them. No one knows why this happened but they want me to just pay the money. I continue to make my regular payments according to my modification every month because I asked at the town hall if my taxes had increase, they said no. Where did the shortage come from nobody knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found money missing from my Chase checking account. It seems my debit card information was hacked and used at ATMs in the area. It was missing in increments of {$800.00} over a span of 5 days. Total {$4000.00}. As I can not take more than {$500.00} a day from my account by way of ATM, it should be a closed case. I found out last week that Chase decided they are not reversing the disputed charges on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank has put on my credit report that I had a foreclosure on a property I owned in Florida. This loan was a short sale loan. The loan was a negative am loan underXXXX and Chase Aprroved the short sale. I need them to update my credit report to reflect late pay and paid as agreed, short sale specifically on the experian, it states XXXX. I am applying for a mortgage and all of the copanies are stating that I have a Foreclosure with Chase because of the XXXX. The other XXXX are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This letter is as result of my complaint filed with your agency with case number XXXX and a follow up from Chase with case numberXXXXXXXXXXXX : From the onset, Chase started by stating on XXXX XXXX that no payment was received on XXXX XXXX not taken cognizant of the fact that I was informed that I could utilize the credits granted on that same month following my complaint to your agency, notwithstanding the letter that was sent to you that the credit will be reflected on XXXX XXXX. In fact the XXXX XXXX indicated that {$0.00} past due was owed. 
Chase also indicated that I closed the account on XXXX XXXX, XXXX, that was not a true statement, Chase closed both my personal and business account with the latter having a {$0.00} balance.Chase then reported the inaccurate figure to the IRS and again reported another inaccurate figure to the XXXX credit bureaus. 

If you look at the XXXX XXXX, XXXX letter that was sent to you, Chase indicated that the amount credited was " Courtesy Credit '' which meant it was not going to abide by the promised 1 % .rate. Chase also stated that I entered into balance liquidation program which was inaccurate as I was in negotiation with it on how it should honor the 1 % program. Chase eventually reported an inaccurate amount as a charged off amount since, if it honored what I was promised, there would not be a charged off account. nor would there be complaint to your agency. My account with Chase should be taken into context. As Chase stated, I opened an account with it on XXXX XXXX, XXXX without any late payment until the I noticed that I was been cheated. Reporting the account as a charged off instead of providing me with the promised rate had a lot to do with my complaint to your agency. 
The action it took against me also had a horrific effect since XXXX XXXX XXXX eventually removed a credit card line of credit in the amount of {$29000.00} from my balance informing me that it will be risky due to what Chase had done.. An account that I have built for over a couple of decades. 
I requested the XXXX credit bureaus to remove the negative information from Chase, and every XXXX of them took over 30 days to report back to me that Chase was not going to remove this information in direct contravention of Federal Credit Reporting Act. 

Finally, your agency should take a look at all the Court actions against JP Morgan lately with it 's credit card holders and most importantly with the fact that restitution was paid to me as part of the class action memebr by Chase on XXXX this year with regard to the business practices of credit card holders in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase has left fraud in my account for a number of years, and charging interest on a balance that started over {$30000.00}. Chase has profited an estimated {$15000.00} on the fraud to date. " Crime has paid for Chase '' is a true statement in this case. 
Chase has treated this like a legal settlement, offering a fraction of the amount so we do not end up litigating it. We would have money to litigate it if we were not paying the interest every month and risk Chase damaging my credit due to stopping payments on the fraud they continue to report on my credit for nearly three years now. 
The merchant that committed the fraud admitted to the fraud, and Chase refused to provide fraud protection as it disclosed to me, and it discloses to all the public. The merchant went to jail, and signed a swore statement noting nor product or service occurred, only fraudulent charges via the merchant account for XXXX. 
CFPB has provided no help to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a rescission notice to the " so called '' lender, WELLS FARGO HOME MORTGAGE CO. effective as of XX/XX/2015 and they acknowledged it and refused to accept it and did not contest the rescission within the XXXX day time limit stated in the XXXX and so have waived all defenses in this matter. I am trying to get them to comply with FEDERAL LAW and comply with XXXX and release all encumberances on my property, return all funds paid by myself on the loan that was rescinded, and return of the promissory note. to date all I have received is stonewalling by WELLS FARGO HOME MORTGAGE and have even received XXXX letters on the same day from different people. I have been receiving harrassing phone calls even though I have a do not call stated on my account, I finally had to block the calls on my Cell. They disguise the calls by calling from numbers listed all over the U.S.. This is also a violation of FEDERAL LAWS and will not be tolerated by me any longer.WELLS FARGO and other Banks think they are above the law when they are now finding out that they will feel the full force of JUSTICE upon them for what they have done to our economy and to the Americans they have hurt so bad! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
The car loan had to be transferred to my daughter but the financial company does not want to transfer documents so that my daughter can register the car in her name in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
spoke to lender - Assigned rep is : XXXX XXXX - rep stated the docs were not provided until XX/XX/XXXX - I advised the fax was sent on XX/XX/XXXX - she went over docs and all have been provided that are needed for the review - she stated that she can not guarantee the sale will be PP for the review since they did not get the docs 7 days prior to sale - I advised the rep that they had the docs, it is not our fault they did not process them and assign the file in a timely manor - docs for review were receive 7 days prior to sale and the lender is in violation of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
UWM ( United Wholesale Mortgage ) is NOT doing there job. My insurance carrier notified UWM in XXXX 2015 of what my homeowners insurance amount would be, which is approximately {$630.00}. My escrow amount before the insurance payment was {$1000.00}. UWM sent them XXXX checks totally a little over {$1500.00}. UWM does NOT update their information but once a year, so now I have a negative in my escrow. This is TOTALLY unfair!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have no knowledge of this loan and it is reporting negatively on my credit report

Company response to consumer: Closed with explanation