vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order with Classique Homes Furniture ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. Chase Bank is not assisting me with getting a refund for a check fraudulent cashed. I need EVIDENCE of the person who cashed the check, not the signature on the back of the check. In other words, what ID was used, and how does it verify the payee? It has been months, and Chase has not provided those records, as it is evident that Chase has no record of who cashed the check. They have been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud. 

Chase states that the person who cashed the check is XXXX XXXX only because that is the name on the check. However, they have not proven that it was the person, as there is no identifying documents substantiating this. Even if I wanted to pursue legal action, Chase 's negligence in identifying the payee has prevented that resolution. Chase needs to prove who cashed the check, because the signature is unclear. What Chase need to provide is the AUTHENTIC identity, including identifying documentation that shows who cashed the check. It is Chase Bank 's fault for not identifying the person who cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank 's " Total Checking '' - the most basic account, is terrible. They do not even offer free checks, at any time. Worst of all, if you want to go the next step up, " Premier Plus, '' you have to have either {$15000.00} or a Chase Mortgage ( unless you pay a {$25.00} a month service fee ). There is nothing in-between. Account types are here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank at Chase and I am a small business owner. For the past 3 months, I have been trying to stop unauthorized withdrawals from my banking account. This endeavor has taken at least 10 hours of my time and I am still missing {$2200.00} from an unauthorized payment. Each time I call Chase, I speak to a different person and it takes upwards of 30 minutes for them to understand the situation. On top of that, there is always a different resolution, and Chase 's multiple back offices ca n't see notations from other offices. Chase has now withdrawn and put back in {$2200.00} into my account now 4x. I was told this issue was resolved multiple times, and then the funds are withdrawn without even a notification as to why they are taken out. I am still out this amount of money. 

On XX/XX/XXXX, a merchant that I am no longer doing business with, withdrew {$2200.00} from my account. I immediately called Chase and they were able to stop this payment, and I paid {$30.00} to block this merchant. 


On XX/XX/XXXX, the same merchant came back and withdrew {$2200.00} from my account. This time, the merchant withdrew funds under a different name. I immediately called Chase, and XXXX ( spelling? ) in the phone banking division said she would stop the funds from going out, but she did not follow the proper protocol. I was told that the funds would be back in the account in 1-2 business days. 
On XX/XX/XXXX, there were still no funds in my account, and I called back to inform Chase. It was at this point, that a " claim '' was filed. However, in multiple discussions with Chase, I was told this claim needed to be filed within 24 hours. XXXX ( who I spoke with on XX/XX/XXXX ) did not follow proper procedure when I initially called. 

After my call on XX/XX/XXXX, Chase temporarily put the funds back in my account, but then withdrew them a few weeks later on XX/XX/XXXX, claiming i had not filed the proper procedure to file a claim. 

On XX/XX/XXXX, I spoke with " XXXX '', senior specialist in claims and he agreed that " XXXX '' did not file proper procedure. He told me they need to contact her call center and refund me the {$2200.00}. 

Then the executive office got involved, who acknowledge that I called and spoke to someone within the necessary 24 hours but that call can no longer be listened to after 30 days. I did not call Chase customer service to chit-chat, I called to stop the fraud in my account. This has been twice escalated to the " executive office '' in Chase with the same negative result. 

I should not be a victim of Chase 's inability to follow procedure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
Since regulatory action was taken in XXXX 2015 by the CFPB against the agency in which this law firm represents for many various issues, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this legal firm ( Forster & Garbus ) decided to sue on an alleged debt owed to XXXX ending in XXXX. They proceeded with a special civil suit in XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Resource Systems, Inc
State: CO

Complaint narrative:
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I am contacting your agency in hopes you can help me with some charges on my Chase Mastercard. I would like to dispute all charges made by XXXX. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized four times and was sent to several specialists and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done. I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I submitted a request to the collector requesting validation that the debt belongs to me as well as HIPPA authorization for medical records to be released. The response received was a statement of what is owed, there was nothing validate nor was there a HIPPA release provided.

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