vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC

Complaint narrative:
XXXX 2015 my husband went to Unifour Financial Services, ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX ; XXXX ) car lot to seek and find a vehicle. After care review, they were able to put him in a Nissan, Altima. At that time, I had the understanding that they were using my credit score to allow him to purchase the car, not a co-signer. He put {$500.00} down as a down payment. Moving forward to XXXX 2015, I applied for a personal loan with my bank, they informed me I was a co-signer on a vehicle, and they could not provide me with the maximum loan amount that I was requesting. My bank also stated the interest rate on this car loan ( Unifour ) was concerning and we should seek legal counsel. XXXX XXXX, 2015 at XXXX XXXX I contact the loan company ( Unifour ) about the loan practices, about being on the loan, and informing them that my husband and I were separated ; how does the buried of the loan fall on me and how do I remove my name because we are no longer together. XXXX stated there was nothing she could do but update the loan to reflect out separation. I contact an outside source who informed me that some illegal practices may have happened upon receiving this loan. I called back on XXXX XXXX, 2015 at XXXX and spoke to XXXX and XXXX XXXX who stated they understood but because they are a small company, they can not remove me from the loan and would not investigate any illegal practices that occurred in XXXX 2015. I mentioned that my soon to be ex-husband has been paying on the loan for a consistence nine months and she stated oh well. I explained to her that we were legal separated, going through a divorce ; it was the matter of removing my name from the loan without refinancing, they stated no once again because they were a small company. Later that day, my soon to be ex-husband called to agree that he wanted my name removed from the loan and he too got know where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
bank canceled a credit card stating it did so because a banking affiliate terminated business with me. after checking my credit report and verifying that no business terminated anything, the bank then responded they were under no obligation to explain why they did anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mortgage is held by Chase. Several years ago I inadvertently let my Home owners insurance laps. I soon found a new policy, but Chase issued there own policy in my name and charged me a very high price for a policy that only covers their loss.. When I brought to their attention that I had my own policy, they canceled their policy, but issued another, in my name, RETROACTIVELY!! I refused to pay for it, so they deducted the amount from my next monthly payment and charged me a late fee. They have been listing me as delinquent since then, while holding the remainder of that monthly payment in a fund. I owe about {$200000.00} on a house worth about {$900000.00}, the land value is farr over the loan amount. In 50 years of living in this house, I have never had a home owners claim Can you help PLEASE???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had an account with JPMorgan Chase that was closed due to insufficient fund/cheque activity that was related to fraud/identity theft. I explained this to Chase, because it is showing up in XXXX Reporting as an unsatisfied debt and hindrance to me opening other accounts in other places. Chase conducted an investigation and closed out the balance and account to a XXXX balance ( nothing due and the case considered resolved ). 

I have asked them to update this reporting to XXXX and they, Chase, told me that I could update it directly with XXXX and that it would be resolved and the entry removed. 

I have contacted XXXX SEVERAL times, forwarding the letter from Chase to resolve the issue and remove me out of their system, but when XXXX verifies the letter with Chase, Chase then reports that the debt/balance is still open and not resolved - so XXXX has NO other choice but to keep the entry active on file. 

Chase literally tells me that there is no issue, the problem has been resolved and that XXXX should be contacted to update their records ; Chase, then hypocritically converses with XXXX once I dispute the info and have them contact Chase and says the EXACT opposite to XXXX that it says to me. 

Chase can not legally tell me one thing with a letter and then tell a credit/chequing reporting agency the exact opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with Washington Mutual. I purchased a text book for about {$150.00}. Chase Bank ended up buying out Washington Mutual and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through Washington Mutual. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: COAST PROFESSIONAL, INC.
State: LA

Complaint narrative:
I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday XXXX/XXXX/2015 I had used my debit card to make XXXX transactions final XXXX being XXXX and a XXXX transaction that took me XXXX dollars over my account limit. I have had my bank account for years now before the CARD Act of 2009 in which every time I was asked I REFUSED Overdraft Protection knowing the CARD Act of 2009 protects me from outrageous fees and is supposed to force banks to deny purchases when I do not have the funds availableFour years this was respected if for some reason I incurred a Overdraft Charge. I called Chase to inform them that these are illegal fees. I spoke with XXXX agents XXXX agent insisted the CARD Act does not exist and the other insisted that bank rules apply over the CARD Act. The manager claimed the CARD Act has nothing to do with debt transactions overdraft fees. Then the manager caved and claimed my XXXX XXXX charges were recurring fees and they have the right to overdraft as my purchases were shuffled. 

To where yes indeed it is true recurring transactions are allowed to be processed due to the card act and overdraft fees are allowed. XXXX is not a monthly fee not is it a recurring transactions and XXXX states on their site any bank listing it as such is mischaracterizing the charge. 

I am XXXX I understand rules and follow the law I do not understand how companies like this can try to go around the CARD Act of 2009. Its like they are trying to take advantage of people who do not know it exists. 

If anything I said is hard to understand PLEASE contact me as I am XXXX and my XXXX makes it hard for people to understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The issue is that Chase Bank Auto Lender are not following the contract I signed with Chase Bank to lend me money for an auto, XXXX, XXXX, money paid by me is not applied per the contract terms I signed. 
The Chase Bank account1 number is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have chase for a checking and amazon refunded me {$56.00} towards my checking account and chase failed to apply that {$56.00} towards the remaining balance and I gave them 48 hours to fix it they failed to meet the deadline my balance should be. {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan owes my student loan # XXXX but their servicer XXXX XXXX XXXX changed my due date from the XXXX which I had for several years was changed without my permission to the XXXX which will not work my pay cycle all my other loans are due on the XXXX, and I have tried to change it many times but I kept getting told different answers, I do not know why my due date keeps getting changed. I believe that is illegal to go in and change any due dates unless I asked for them to be changed. I have tried to discuss other matters with CHASE but they refuse to discuss anything with me, they are still responsible for any actions that XXXX takes on loans because they still own this debt, if XXXX does not get its act together I may have file bankruptcy and that way no one would get anything. It is difficult to get a bankruptcy that includes student loans but based on the numerous actions taken by XXXX, I may not have a choice. I have a controlled XXXX XXXX XXXX but everything I talk to XXXX, my XXXX XXXX level goes up, I had to go to the emergency XXXX night because of them. My doctor advised me to have them contact me by email only because talking to them is no longer a good option. XXXX XXXX is a known liar and will not take the time to actually investigate a complaint, I have filed numerous complaints inside XXXX and I do not hear anything. Chase has a part in this also, they think because they do not do anything with the loans, they do not have talk with me but that is not true. Per the Consumer Financial Protection Bureau, you have a duty to deal with the complaints, you will only contact XXXX for their side of the story which is not a real way to solve a complaint. XXXX is a horrible servicer and I wish not to deal with them anymore and would rather file bankruptcy so I can have a healthier life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Cardmember services notified me by a letter dated XX/XX/2016 that my Chase Amazon.com Rewards Visa account would close when my card expires XX/XX/2016. I have excellent credit and have a XXXX balance on the card. I have not used the card for years, however, that should not be a valid reason for closing an account due to the negative impact it will have on my credit score. I spoke with a supervisor at Chase and they declined my request to keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I first received a cashiers check from a soon to be employer who contacted me through XXXX XXXX. I was told I would be receiving a cashiers check, to be deposited into my checking account through XXXX XXXX Bank. I deposited the check into my account on a Friday, left it there until Monday. On Monday, I went back to XXXX XXXX Bank to get a cashiers account to transfer to a Chase Bank account ( XXXX that my " employer '' had provided me information to ). I went and got the check from XXXX XXXX Bank, and took it over to deposit in the account at Chase Bank, no problem. But on that Wednesday, I get a call from my bank ( XXXX XXXX Bank ), saying the check ( originally written from XXXX ) was fictitious. I then reached out to Chase Bank to see if I can get information about the account I deposited the check into, or to at least notify them that this fraud act was happening. To which they blew off, and would not even let me speak to a manager about the activity. So this complaint is about the fact of Chase Bank, not working with me to figure out this fraudulent claim. The check I brought to Chase Bank went through so now I am stuck with having to pay off thousands of dollars, of which I had no clue were fictitious. As of right now, XXXX XXXX Bank is making me responsible for paying back XXXX, that I do not have. Nor can I easily pay off such a big amount of money. When called by XXXX XXXX Bank, the worker mentioned multiple times that the responsibility would fall on the bank itself, and not the customer. But is now saying that I have the responsibility to pay back. All of which I have recorded on my phone.

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

Complaint narrative:
I got the papers that cfpb sent me on what chase said where the did nothing wrong well got news for them yes they did. the women that I talked to about the modification said that I would have to stop paying them if I wanted the modification if they wont to do the right thing they will see that we never missed a payment. fore a lot of years and i would n't have missed any if it were not chase tailing me to stop paying them to get the mod. and if they would check then they will see that it has been recorded because every time that I talked with chase they would say that this is being recorded for training purpose if it was not done away with it they will find it. I do n't thank that I would pay all that money and then let someone have it don.t thank so. I was cheated out of it just because no one would help I will send you some papers XXXX I did not need the mod and I wish that I never heard of it then we would have XXXX fine the house would have XXXX paid for by now. but thanks to chase they cost us a lot over this my health money and I wont my house back that you stole from us and you can pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: GA

Complaint narrative:
I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am attempting to increase my credit line on a credit card from Citi. Citi representatives tell me that XXXX is telling them I have a security freeze. In order to get control of this, I actually placed a security freeze so that XXXX would mail me a PIN. I got the PIN, then paid Experian to remove the freeze ( {$5.00} ). Several hours later, I attempted to remove the freeze again, but XXXX told me no freeze was in place. ( See screenshot document, attached. ) On calling Citi again, they again told me there is a freeze in place. This time, however, they said the freeze is in place due to " state legislation ''. I can find no reference to any security freeze that would be in place due to any legislation. I have no outstanding debt or litigation against me. So apparently there is a security freeze on my report, which is NOT requested by me, and which I can not remove, due to some unknown legislation. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a physical check from the social security office on XX/XX/XXXX and deposited it via atm. at that time I went ahead on the assumption that it had been cashed as normal since it was a government check. However I was later emailed and notified that only XXXX dollars of the XXXX had been cleared as the rest was put on hold due to being unable to contact XXXX XXXX XXXX. when I complained I was told that it was XXXX after the second complaint. then I received an email from the senior vice president of fraud prevention and it stated that my monies would be released on XX/XX/XXXX. I expect nothing more than additional difficulty as since my initial filing with the cfpb against chase I have had nothing but issues. They debited my account 3 times and continue to claim that they are credits and ignore any attempt at a rational explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE AUTO MADE XXXX HARD INQUIRE ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I have a number of accounts with JP Morgan/Chase and I pay most of our bills using online account services with various merchants. I am very cognizant about due dates for our bills and when my paychecks get deposited ( every Thursday XXXX and when my husband 's pension check and social security check gets deposited. During the past year, my previous job was outsourced and I was out of work for 5 months and when I got offered my next job I was forced to take a {$45000.00} pay cut. I am a senior and am XXXX years old. Due to the reduction in our income, it is next to impossible to keep a " cushion '' in our bank account. On a number of occasions, due to the way that Chase Bank " shuffles '' their transaction processing we have been hit with {$34.00} fees. This occurred because their transaction processing practices are designed to maximize profits for the bank by entering the largest transaction first. They do not necessarily enter direct deposits before the previous day 's debits. I have researched this matter online and have found out that this is a problem for many low-income families who can not afford to keep extra funds in their accounts and who suffer disproportionately from these practices that are common among large banks. Our branch manager has lectured me that he will refund the fee " this one time '' but the problem is far greater and should be addressed by government regulations. I do not want to have overdraft protection because it costs more money. There would be no problem if Chase processed direct deposits first before deducting any online payments. I am very responsible and balance my checkbook every morning when I go on my computer at work. However, every now and then some kind of surprise debit occurs and voila, I get hit with another {$34.00} fee because Chase did not process the deposits first. I am imploring your agency to please address this problem with the large banks. I work hard but I have been a victim of corporate downsizing. I am facing retirement and trying to pay down bills. I am very discouraged about my financial future. I read about these practices in XXXX and XXXX when I did a google search. I was glad to see that it was a larger problem that government could address, as opposed to my own negligence as was implied by Chase Bank 's managers. Thank you for your help.

Company response to consumer: Closed with explanation