vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: MarkOne Holdings, LLC
State: NC

Complaint narrative:
Loan has been paid in full and as agreed, but it is showing up as a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I received pre-certification from my mortgage lender based on my credit score of XXXX. On XXXX XXXX Chase erroneously reported credit card account : XXXX with a balance of {$10000.00} and usage of 99 % of credit which resulted in a damaging drop to my credit score of XXXX. In less than 24 hours I will be going into settlement/closing on my primary residence after a week of painful negotiations, where my credit will go through a final review and display this erroneous, fraudulent, account on my profile, and I want Chase to be held liable for the potential of me losing my home, and/or no longer being honored the pre-authorized fixed rate of 3.25 % for a 30-year mortgage, which was calculated prior to the fraudulent report that Chase applied to my account. I have been on the phone with Chase for seven hours and still on the phone trying to resolve this. They first gave me an extremely hard time claiming they did nothing wrong and then admitted their error and sent me a fax documenting the erroneous report with the updated correct information, however the 3-5 business days turnaround is too long as I am closing in 24 hours. I asked Chase to then call each of the bureaus to make a physical follow-up phone call and XXXX ( who refused to provide me her last name ) at Chase 's Credit Bureau Specialist Unit Department was reluctant and rude and hung up on me. I called back and spoke to XXXX XXXX in the same unit and he was apologetic, sympathetic and helpful and did what he could to contact XXXX, but they still said it would take 72 hours to be removed and for the score to be recalculated. 
I beg of you to hold Chase accountable for this is complete injustice, fraud, and criminal. They need to contact each of the credit bureaus immediately, in physically speech to each bureau individually ( an electronic processing of 6 business days is not acceptable in my situation ) and have this account removed and request a rapid rescore from each bureau and I want physical documentation from each bureau that it has been removed and I want my rapid rescore provided from each so that I am not in financial ruin, and Chase needs to shoulder the cost of the rapid rescore not me. How can Chase be allowed to do something like this please ensure that they are penalized in some way, this is absolutely outrageous. How do banks continue to be allowed to hurt law-abiding citizens of our country without any recourse or accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
I was never contacted about a debt ( that I do not owe ) from the Department of Education. the debt i 'm told starts from 1994. All of a sudden my wages are being garnished. I had no knowledge of ANY debt owed, and I was not given an opportunity to communicate with anyone to either confirm or deny that I owe anything, but instead the order was sent to my employer. If anything was mailed to me, I never received it. Absence of a response does n't mean I owe anything. I was never given a chance to defend myself. And now out of the blue, I have to figure out how to pay my rent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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:
I had several fraudulent transactions on my bank account the bank ( chase ) approved the claim in the beginning and stated they sent a check out because they closed my account for no reason I 've had this account for years well I never received my check then I call back and they state they changed there mind and denied the claim but wo n't let me fax over any proof that this was fraudulent activity and was not done by me and they will not further assist on me getting my money back which I 'm covered by the FDIC as they stated so they are not following proper procedures to determine this was fraud and return me my money that was stolen and I have all the proof it was fraudulent but they wo n't accept it so I need help getting my money back that was stolen from me. They keep giving me different stories they approved the claim in the beginning stated they sent a check that was never received then said they got the check back and canceled it and was gon na send out another one but did n't instead they said we 're gon na reverse it and Deney it but wo n't give me no explanation or wo n't let me send it proof it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via XXXX secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AGAIN today and they stated that the rush request had been viewed and opened but NOTHING had been done about it, but it is scheduled today to be emailed sometime today and they could not give me a time. i needed this letter last week not to mention they STILL have not reported this home as paid of with a clear title since it has been paid off since XX/XX/2016.

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 non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My ex husband opened an account in my name without my knowledge. He then had the address for the statement sent to an address I was unaware of and then defaulted or was late on a payment. I have tried contacting the company in question to tell them this is a fraudulent account but they have not removed the derogatory marks from my credit report. I have tried disputing the items as well with the bureaus. These marks are negatively affecting my ability to secure a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX 2014, Chase bank sent me the letters about closing all my Chase accounts ( checking, savings, and credit cards ). There was no any explanation for doing that. Just : " after reviewing we determined to close ''. 
During my visit a Chase branch, I found myself as blacklisted for Chase bank. I am not allowed to open any account in Chase. This status is " forever '' according to bank representative. 
In Chase letters it is also stated that : " We may also report the account to credit reporting agencies, which could discourage other banks from opening an account with you ''. 
All my questions on what I did wrong to get such severe sanctions were unanswered. The only answer was : " You are not compliant ''. 
As they are so not informative I tried to analyze by myself what I may did wrong. The only thing that comes out was ordering cashier 's checks on large amount. But I ordered them in Chase branch and teller processed them without any warning that it may be not compliant. 
So Chase bank blacklisted me forever for the secret reason that they do not want to disclose. They also threatened me to inform the other banks ( through credit reporting agencies ) that I am not good to have business with. I am blacklisted but have no idea why because in my view I was completely compliant with Chase bank rules according to their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, I am filling a complaint against Chase Home Mortgage for their miss treatment, and carelessness toward the homeowners. On Monday afternoon XXXX XXXX, 2015 I received a letter from Chase Home Mortgage stating my loan was being transferred to an entity XXXX starting XXXX XXXX I was in shock, stun overwhelmed, they do not give you any information of this entity, how can they expect the homeowner to make a mortgage payments when they notify you within days from your next mortgage payment. It is my belief they are doing this malice, deceitful practices against the homeowners in order for you to fall behind your mortgage payment as a result you lose your home. 

I have been with chase for several years, I did not request my loan to be transfer to this entity, I have the convenience of taking my mortgage payments directly to the branch assuring my payment gets posted and received. I call Chase Home Mortgage on Tuesday XXXX XXXX, 2015 advising them I was refusing to have my loan transferred to this XXXX entity and their respond was You Do Not Have Any Say So In Ths Matter " can you believe this ''. How is it possible for these banks who are serving our loan to transfer the loans without the home owner 's permission or acknowledgement this is clearly a violation and unfair practice against the home owners, if a homeowner request to stay with the servicer who is serving the loan it should be granted not denied. I am requesting investigation for the malice, scamming and deceitful ways. I request you put a stop to these transfer without the homeowners approval. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Long story short, I was currently in the Indiana hardest hits program when Chase bank put an illegal judgement against me. During my investigation they claimed it was because I defaulted the program so I called to confirm that it was completed and that they did send the XXXX $ dollar check to catch up my patents. It did take all XXXX to catch me up because in addition to my insurance policy At all state they had also been adding a forced placed policy of there own for years. I only had a XXXX day notice to being homeless. I also have the mortgage documents to prove this was an illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I noticed an issue with my billing with I logged onto my mortgage account online. I tried calling the customer service number I usually contact but when I tried to get a representative I was transfered to person 's voicemail. I thought there was a problem with a the system and tried calling back later and had the same issue. I left a voicemail just in case and continued to call for a few days. I then contacted the new mortgages department and asked for some assistance. They encountered the same thing and the person said they would send an email to customer service and see what he could do and get back with me. I got a call back later and was instructed of a way to get through by hitting zero and pound several times. I was able to get through and was told it was because of my account that this occured. I tried explaining that did not make sense and was then disconnected.I send an email through their online system and it instructed me to call my account advisor. She never calls back no matter how many messages you leave. I sent another email and did not receive a respond yet. I ca n't make a payment online, on the phone and ca n't get a call back. It is very scamy and they keep charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: David Deep Law Offices
State: KY

Complaint narrative:
XX/XX/XXXX, My ex wife applied for a title loan through XXXX XXXX XXXX on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XX/XX/XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XX/XX/XXXX, on the garnishment order that I received from my employer shows a mailing address of a PO BOX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?

Company response to consumer: Closed with explanation