vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
calling several times a day by phone, email, mail, and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. 
This account was paid as agreed in XXXX XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
First it should be known that I 've never been late on a car payment, credit card, mortgage or any other bill in my entire life. Chase Bank conducted a surreptitious and unsolicited review of my credit without my permission subsequently reducing Credit lines on several of my Chase credit cards so the ratio of debt to available credit skyrocketed. As a result of this action by Chase bank my credit score plummeted, other banks followed with similar action reducing credit lines and I consider this to be defamation of credit. This is a terrible injustice to me as a consumer and as an American who takes pride in never having been late or behind on any of his bills. I feel this action was taken to try to recover some of the monies paid in fines by Chase to the federal government for other unfair business practices in their organization. I feel I have been unfairly targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were fraudulent transactions on my account from XXXX throughout the month of XXXX that I did not authorize. When I called to file my dispute I was confused with the questions being asked of me and the language barrier with the consultant. Chase is denying my claim for inconsistent information but I never authorized these transactions and I need assistance filing a dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: WA

Complaint narrative:
was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I traded in 2013 XXXX XXXX that was financed with Chase to XXXX XXXX XXXX. XXXX XXXX XXXX bought the XXXX from me in XXXX and sent payment to Chase Finance for the payoff amount. However, Chase continued to contract me about payment, even though I no longer had possession of the vehicle and did not own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have my mortgage with Chase. In the many years I have had my mortgage with Chase I have never paid my mortgage late until last XXXX 2015. Because of family medical issues I paid my mortgage 2 days after the grace period ended. 
I requested a " good will adjustment '' from Chase the week before last and received a letter today indicating " We ca n't update our credit reporting ... to the XXXX major r credit reporting agencies ... We 've confirmed that we 're reporting information about your account correctly. '' This particular late reporting to the credit bureaus is making it very difficult, if not impossible to get a mortgage for a different house. 
I have back up documentation to illustrate these statements. 
I am requesting your help in getting this rectified so that we can qualify for a mortgage for a different house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I 'm been trying to refinance my mortgage since XX/XX/XXXX now that they got this Harp programI still ca n't refinance due to my second mortgage I fill bankruptcy XX/XX/XXXX this mortgageGot discharge but I 'm still paying for XXXX mortgage and XXXX have a lien on property how can I get this lien off to get approve for refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase sent bill to email account instead of mailing me a paper statement. 
Had this credit card account since XXXX always made payments on time paid off account in XX/XX/XXXX from a high balance of XXXX. Always got a paper statement. Used the card one time in on XX/XX/XXXX for XXXX for XXXX ( For some reason XXXX had rejected XXXX attempts with other cards ). For some reason Chase sent the statements via email????. Talking with XXXX ID XXXX he stated I had requested email instead of Mailed statements in XX/XX/XXXX. Forgive me but, XXXX, I would not have requested paperless statements on an account that I had n't used or had no balance since XX/XX/XXXX. Of course with late fees and charges that XXXX ballooned to XXXX by XX/XX/XXXX and was charged off. I was n't even aware of this activity till I pulled my credit report in XX/XX/XXXX. I called Chase and setteled the account for XXXX. But I 'm feeling extremely RIPPED OFF. And this is still going to show up on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
case number XXXX XXXX of XXXX this is concerning house on XXXX ohio XXXX about three or four years ago I borrowed {$120.00} our payment was XXXX a month we paid it down to about XXXX to XXXX when OBama came up with the modification loon we thought that would be good so we could have some extra money to help our children. when I called chase the lady said that we had never been late or behind so the only way we could get help was to stop paying or payment when we heard from them they said to send in XXXX.for 3 month trial then they would work out a payment plan then they said that time had lapsed and we would have to send XXXX for 3 month then XXXX then XXXX then XXXX up to XXXX is what they wanted they would n't work with us we ended up in court in the meantime we received a XXXX check from chase for or part where chase had done homeowners wrong. then chase sold us out to XXXX but chase continued to take us court in the meantime raven cook called me and said she had good news that my payment would be XXXX and that included taxes and insurance and that now we would n't have to go back to court.we sent in XXXX or XXXX payments then back to court again I told the lawyer that I had what raven said on tape a couple days latter chase sent our last check on payment back we were in foreclosure the bank bought it for XXXX and turned it over to a realtor then another realtor.i had a realtor to check with them and they said that no one related to us or by marriage could ever get the house back. we had an attorney who was trying to work with us and possibly even renting the house it seams like a night mare.one morning there was knouk on the door it was a sheriff with an eviction notice and people to seat our possessions out of the house I told them or attorney said that we had at lest two moor months but they said today it was raining awful they put our things out in the yard it rained for three days a lot of our possessions ruined our couch is still in the yard where are my pictures & & & my wife is XXXX and I am a 100 % XXXX XXXX veteran I went off to war and thought that we was doing right. XXXX of us died and over XXXX of them that died then. my country let chase bank steal my house this has been very stressful on us both. we also have a son that has XXXX that was affected by losing our house we would have been so much better if we had n't ever heard of a modification loon where is my help many other families have lost their homes also by modification PS I WANT MY HOUSE BACK BEFORE IT IS SOLD FOR WHAT WE WENT THROUGH AND OUR STILL GOING THROUGH WE SHOULD NOT OWE ANYTHING I THANK THAT JPMORGEN CHASE WE SHOULD BE PAID THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I was one month past due on my mortgage payment. On XX/XX/XXXX I purchased a cashiers check from XXXX in the amount of two months payments made out to my mortgage company Chase JP Morgan. 
About three weeks later, a bank employee from XXXX XXXX notified me that a cashiers check drawn on JP Morgan Chase bank in the exact same amount of the cashiers check sent in for my payments was sent to XXXX. The cashiers check was made out to XXXX XXXX, not me. 
I immediately contacted Chase bank to inquire why they did n't apply my payments properly. I was told that they had no knowledge of this transaction, but that I was now 90 days in arrears and being placed in foreclosure. If I wanted to avoid foreclosure, I must immediately send in over XXXX in back payments, late charges and attorney fees. 
I waited until XX/XX/XXXX, called again and was told my only option was to modify my existing loan and the payments would be added to the new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers

Company response to consumer: Closed with explanation