vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A CHECK WAS WRITTEN OFF MY ACCOUNT AND HONORED WITH NO PAY TO THE ORDER AND NO ENDORSEMENT ON THE BACK OF THE CHECK. I INVESTIGATED AND DETERMINED THAT THE CHECK WAS STOLEN FROM MY HOME WHILE I WAS NOT THERE. I REPORTED THE ISSUE TO JP MORGAN/CHASE BANK AS SOON AS I WAS MADE AWARE OF THE FRAUDULANT CHECK. I WAS TOLD THAT BECAUSE I DID NOT KEEP MY CHECK BOOK IN A LOCKED DRAWER AT ALL TIMES I FAILED TO PROTECT MY ACCOUNT AND THEY REFUSE TO REFUND MY MONEY. I HAVE TAKEN ALL THE CORRECT ACTION TO PROVE THIS CHECK WAS NOT WRITTEN BY ME INCLUDING FILE A POLICE REPORT AND PRESS CHARGES. THE REPORT NUMBER IS XXXX THROUGH THE XXXX COUNTY SHERRIFE OFFICE. THE INVESTIGATING OFFICER IS XXXX XXXX ( XXXX ) XXXX. I AM AN XXXX YEAR OLD WOMAN ON A FIXED INCOME AND CAN NOT AFFORD TO GIVE UP THE XXXX THAT WAS STOLEN FROM ME. DUE TO THIS INCIDENT I MAY LOSE MY HOME AS MY RENT CHECK HAS NOW BOUNCED. ANY HELP THAT YOU COULD PROVIDE ME WOULD BE GREATLY APPRECTIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Other financial service — Credit repair
Issue: Disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
While in XXXX, someone gained access to my debit card information and made a series of withdrawals from my account totaling over {$970.00}. Upon returning to the US I discovered the issue and reported the fraud immediately to Chase. They filed a claim and gave me a temporary credit. Three weeks later, I notice that they are reversing the credit from my account without any notification or explanation. When I call Chase they inform me that my claim was denied because ( they claim ) I logged into the website twice between the date of the fraud and the date I reported it. I have no way of knowing if it was actually me who logged in or not, and they have provided no proof. They claim it must be me because there was a login, despite the fact that someone was clearly stealing my information at the exact same time in order to make the withdrawals. Even if it was me that logged in, why does logging in to pay a credit card get them off the hook for losing nearly {$1000.00} of my money? They refuse to give me any additional information or provide a credit to replace my stolen funds, apparently all because of this unproven loophole. I plan to cancel my account and never give any business to Chase again in the future. Clearly this login policy is designed solely to deny valid claims of fraud and save a XXXX dollar company a few XXXX bucks that come of out my pocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I contacted chase card in hopes of verification of a credit card application and they stated they could not send me the documentation I needed to verify the account. I do not take ownership of the card that was open or closed, on the same day, nor was it used. I want to verify the validity of the hard inquiry they are reporting to the credit bureaus. Instead of them sending me the information or providing me with the application that they claimed I submitted they told me I can write a letter to them or have my attorney send subpoena for the information. Is the the correct process when a person, who is concerned about fraud is trying to verify an account on their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened an account with Chase Bank XX/XX/XXXX and immediately after began to receive pre-screening offers for their XXXX and XXXX XXXX. XXXX of that year I requested a credit limit increase which required Chase to pull my full report. At the time that the report was pulled I had XXXX accounts which had been opened within the past 24 months. Chase granted the credit limit increase and continued to send the pre-screening offers for both their XXXX and XXXX products. From XX/XX/XXXX to XX/XX/XXXX I was sent an offer for the XXXX and XXXX cards once a week every week for the 8 months. In XXXX I decided to apply for the Chase XXXX and I was declined. The only reason listed on the decline letter was " Too many credit cards opened in the last 2 years '' which at the time was XXXX. I contacted Chase and asked them why they would send so many offers for the XXXX if they knew I had a high number of accounts opened in the last 24 months? They stated that its not their obligation to inform their marketing department of any information obtained from pulling my credit. I do n't think that 's right or fair. They pulled my report 8 months before and saw the number of new accounts yet continued to send me offers for a product I was n't unqualified for. Now I have to have the inquiry negatively effect my credit simply because they refuse to share information between departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX former employee XXXX in a position which required XXXX. My personal information was compromised by the breach of data maintained by the XXXX. Chase Bank will not removed {$30000.00} of charges to my credit card fraudulently made by companies by gaining access to my personal financial information on file with XXXX despite my providing them with information that showed : ( 1 ) the companies either did not exist, ( 2 ) I have never traveled outside the U.S but one time since retiring and that was XXXX last year, ( 3 ) the identification of my computer as the source of charges is not a reliable method of personal identification because a individual 's computer IP address may be obtained by a number of ways not at all difficult and used as a mask for the actual computer being used to complete a transaction including making the charge for a service as was the situation in a number of charges where the largest dollar amount and recurring transactions seemed to be coming from XXXX actually from XXXX where I have never visited, ( 4 ) despite being XXXX XXXX XXXX I consider myself of sound mind and find XXXX sites quite offensive and have never and I repeat never, seen or been on such a site in my life and willing to take a lie detector test to prove as much, and ( 5 ) despite my protestation they are adding to my outstanding balance this {$30000.00} without providing me a list of these charges so I can review again with them personally every charge and prove not just by sworn statement but other information and evidence I did not authorize or make any of the disputed charges. The total of these charges ( {$30000.00} ) will cause my credit card to exceed it 's limit which is {$18000.00} because I currently have an outstanding balance of a $ XXXX. This information will be forwarded to the XXXX credit bureaus, reducing my credit score, eliminating some consulting opportunities which I do regularly, and make any new credit impossible to obtain, even to lease a vehicle. This is one of the most egregious actions a bank can take against an individual, erroneous reporting to a credit bureau. Even a man who has XXXX from an XXXX can not wipe this off his credit bureau report and it all starts with the egregious actions of Chase Bank. It seems there is something to be learned from the XXXX XXXX, " XXXX '', first do no harm which financial institutions should be forced to observe

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, as WaMu was being taken over by J.P. Morgan Chase, I was entered into a Trial Modification. Though we did not yet know what this was at the time, I was also " Dual-Tracked '' into Foreclosure. 

I was not given credit for my 18 months of Trial Payments that I made, or two full mortgage Payments paid prior to that Modification. I was forced to litigate against J.P. Morgan Chase, my lawyers and I protecting my Property from many Trustee 's Sales and aggressive actions to force me from my home. 

My loan, acquired by Chase when it took over all of WaMu 's assets, was on a property in a prime XXXX, CA zip code, a home that I had owned since XX/XX/XXXX. My loan was not a Sub-Prime loan. In fact, WaMu had held on to my loan as a positive asset, not bundling it and not selling it as a collateralizing and compromised asset. J.P. Morgan Chase now held that asset with no investors or lenders to answer to. 

After 4 years of litigating the matter, and after the Attorney Generals ' XXXX Dollar settlements with Chase and other lenders over Mortgage and Modification abuses, Chase finally made a corrective Permanent Modification of my loan. That 's the good news. 

The bad news and what I need your help with is that Chase added a {$230000.00} Deferred Principal Debt on the back end of my Principal Interest Bearing Loan. 

I challenged the additional debt that turned a {$620000.00} mortgage into an {$810000.00} debt, but was threatened once again with the imminent and still pending Foreclosure and Trustee 's Sale of my home. 

That was while the mortgage was once again being modified. Chase Collections was separately adding this additional burden, while threatening that were I not to accept it, I would lose my home. 

It was my understanding that this was not allowed, per the Settlements and Government Guidelines. I asked Chase to provide a breakdown of how it arrived at the {$230000.00} figure and it never provided a detailed accounting. 

Chase was essentially still punishing me financially for the very abuses that it and WaMu had prosecuted against me and my home. I honestly care not whether any of these abuses regarding my loan were international, but the results were nonetheless abusive. 

I have no issue with the Unpaid Principal Balance of {$540000.00} on the Loan. I need your help in removing the Deferred Principal Balance of {$230000.00}. 

That outrageous amount is only {$10000.00} shy of what I originally paid to purchase my home in XX/XX/XXXX. Chase once again took advantage of and abused even the good faith process of reparation that the Modification was meant to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Platinum Holdings Group, LLC
State: VA

Complaint narrative:
XX/XX/XXXX I receive a phone from a Paralegal/Admin Officer name XXXX XXXX who states he works for company that collect debt for XXXX XXXX XXXX XXXX XXXX which I did owe. However I was not able to finishing paying because I lost my job around that time. Im currently working and I made arrangement with XXXX XXXX telephone number XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have been make payment arrangement to settle my debt with XXXX. XXXX XXXX states my last payment will be XX/XX/XXXX and they will email me the balance and completion letter so I can give this information to the credit bureau. However a few weeks back I receive a call from the real debt collection that handles Debt Collection for XXXX Jewelers. I spoke with XXXX XXXX telephone number is XXXX. She states that I fail to pay and settle for XXXX. I explain to her that I having been making payment and told her the people I 've been dealing. She research the matter and stated that they are a fraud/scam and been taking my money. I being paying more than I owed. She advised me to contact my bank institute to discuss this matter. I check my bank statement and the company that been taking my money is called Premium Asset Services recovery. She research that name and they are a scam as well. From XX/XX/XXXX to XX/XX/XXXX I have been making payment arrangement to a company that has been taking of advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for XXXX separate transactions as if they 're XXXX transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition to the transfer, you will be charged interest each month until t he entire amount is paid off completely. This is confusing to anyone who is not an accountant & just another way the bank is charging its customers unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving false information. Someone should be checking on these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Chase Slate Credit Card on which I carried XXXX separate Balance Transfer Promotions which carried a 0 % APR for varying periods of time. It appears during the time the promotions were active, my minimum payments were applied to reduce the balance of the outstanding promotional balance transaction due to expire 1st. When the promotion which had a 0 % promotional APR expired, it 's unclear as to how the subsequent payments were allocated. It appears that the payment amount was split between the remaining 0 % promotional balance outstanding as well as the expired promotions outstanding balance. However, the amount applied to the expired promotions outstanding balance does not appear to have even satisfied the current statement cycle interest charges. Thus, between the XX/XX/XXXX and XX/XX/XXXX statements, the Balance Subject to Interest Rate increased from {$6300.00} to {$6400.00} even though a payment of {$190.00} exceeded the {$71.00} interest charges. Moreover, when I attempted to pay in full the expired promotional balance by paying {$6500.00} ( which exceeded the balance subject to interest rate on the previous monthly statement ), I was surprised to see still yet a remaining balance and interest charges accruing and perplexed as to why any portion of this payment would be allocated towards a promotional balance earning 0 % interest before fully satisfying the balance subject to interest charges.

Company response to consumer: Closed with explanation