vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC
State: MI

Complaint narrative:
They contacted my place of employment after I asked them not to, and then spoke with XXXX of my coworkers about this being a legal matter and pursuing action against me in the court of law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The vehicle had {$1500.00} left on the loan and was subsequently sold upon reposecion. They are now charging my account over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We are ready to sell our home and we need a Corrected Satisfaction from Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial Inc. account # XXXX is an old car from I believe 2012 that was repo 'd. Westlake on my credit report is showing that is is charged off and this car has not been in my possession for at least 4 years now. However, after applying for a mortgage, we noticed that Westlake has been reporting late payments several times through out the last 4 years and then the last 7 months in a row they have reporting a late payment even though this truck has not been in my possession for many years. My understanding is that when something charges off, that means the company decided to charge it off the books and therefore, they can not, in turn report late payments anymore sporadically or consecutively past the charge off date. I guess what I am saying is you ca n't be late on something that charged off. They have been doing this for years and years and has caused my scores to drop big time. I have been trying to get my credit back in shape so my family could purchase a home. After working really hard to do that I find out this company has been illegally, in my opinion, and willfully, charging me late to harm my credit. I am requesting all the late payment past 2012 be removed from my credit report and specifically all the late payments over the last 2 years should be removed ASAP since I have not had the car in my possession and the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had sufficient funds in the bank to make a transfer to cover valid ach / recurring payments I authorized. In the past and for many, many years, the bank has paid the amounts, sending me notification of the insufficient funds, at which time I would make a transfer or deposit timely to cover the payments. For the first time in several years, the bank decided to return items unpaid and charge return item fees without allowing me the opportunity to cover them. When I called the bank, I was advised by XXXX, a supervisor that Chase can and will return items at their discretion. There is nothing she could do about it. I advised her I would be leaving the bank as soon as my autopays were set up elsewhere. It appears Chase is willing to treat loyal customers with complete disregard to collect a few fees before the end of the year for their shareholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have been with Chase card services for over 7 years. Today I received a letter saying my card will be close do to inactivity. I called asking to have the cars remain open and was told there is nothing that can be done. A few months back I was inquiring about the fees that will apply and how to maintain steady line of credit with them. At that time I know I would n't be using the card for sometime. I was informed that I do n't have to do anything. When the annual fees show for me to call them and they can remove them. I also ask if I would be able to freeze my account. I was informed that as long as activities was done one the account within 5 years, I have to do nothing. 
I was also told about the chase slate card in which I received. Had I known the information was incorrect I would have used my freedom card. I would like to keep the card open. The customer service center also stated that this will show on my account as a closed account. 
My concerns is if it is unable to remain open and have to be closed. Will it show close do to inactive and not just as close with out explanation because that can put a bad impact on my credit. 

Please let me know if there is anything I can do. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Overnight on XX/XX/XXXX to XX/XX/XXXX, I received a direct deposit for {$2000.00}, together with a credit of {$220.00} and a manual cash deposit gave me a total of {$2300.00} in my account. {$24.00} was then spent leaving a balance of {$2000.00}. Overnight XX/XX/XXXX to XX/XX/XXXX, a check came through for {$2300.00} leaving a negative of {$24.00}. Before I could cover the deposit, the bank charged me {$34.00} overdraft fee even though I had time to cover this ( I still can. ) They refused to credit this back to me. The XXXX suggested that they backdated the check to collect the fee ( As per XXXX ) Please investigate and prosecute to the fullest extent of the law and have my {$34.00} credited back to my account. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have an auto loan with XXXX.  I mailed in my monthly payment to XXXX via a XXXX. I found that my payment was not posted to my auto loan account and I called XXXX and they said the XXXX was cashed. I requested the copy of who cashed the XXXX and the back of the XXXX indicated it was cashed by JP Morgan Chase. I do not have an account with JP Morgan Chase and I have no idea how they got ahold of the XXXX made out specifically to XXXX; and why did they cash this XXXX that was not made payable to JP Morgan Chase?  I called JP Morgan Chase and they told me that they did not cash the XXXX, but I have a proof that they cashed the XXXX as I requested a copy of the cashed XXXX of which I had to pay $40.00 to get this copy. The amount of the XXXX was for $XXXX, this was a two month car payment. In the mean time, XXXX has reported me as late to the credit bureau. I have taken time off work to settle this with no end result. Also this has caused me alot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have paid the entire balance off of this card and will not use it. There is a negative balance of XXXX. I want a paper check in the amount to bring the balance to absolute XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX/XXXX/16, I initiated a domestic online wire transfer of {$300.00} from my bank Chase to a recipient at XXXX XXXX XXXX. I was made to understand while completing the online process that there would be a {$25.00} fee for the wire, which was okay by me. A total of {$320.00} was debited from my account. 

As of XXXX/XXXX/16, I called Chase to check on the wire status after being informed by the recipient that they had n't received the transfer. Chase explained to me that the wire was returned by XXXX XXXX XXXX ( XXXX ) citing incorrect account name. They mentioned XXXX had deducted {$45.00} and they were only returning {$250.00}. 

I have unfairly been charged {$60.00} by both banks for a service that was not performed ( {$25.00} by Chase and {$45.00} by XXXX ). This leaves a bad taste in my mouth and I humbly seek assistance in adjudicating this issue fairly. 

Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
Why is it that banks will offer Balance Transfers at 0 % interest but wo n't lower an existing interest rate? I 'll tell you why. The financial institutions in this country are out of control again, and I " WILL NOT '' bail them out again. I, like XXXX other Americans were so XXXX the last time, I may never get to retire. Do something about the financial institutions in this country before it 's to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.

Complaint narrative:
group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently applied for a Chase SLATE card : XXXX, for the purpose of a balance transfer from another card. I was approved and received my card, and with it came a letter saying that while the card was approved and active, my balance transfer was rejected because they do n't do transfers from Chase accounts to another Chase account. This was nowhere in the description on the above link, nor is it in the Offer Details. The only place this information appears is if you click through to pricing and terms : XXXX. This is absurd. A lot of people have Chase cards, so this is a major limitation, and yet it 's hidden in the terms and not mentioned upfront. I also am upset that when applying, I put in the account information that I wanted to transfer a balance from, it did n't alert me that a Chase account would be rejected. If it had, I would n't have applied for the card. Now I have a card I am not going to use, that will hurt my credit to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have my accounts with JP Morgan Chase for 4 1/2 years. I was driving to see my daughter and new granddaughter a week ago from XXXX, XXXX to XXXX and I stopped in XXXX, XXXX to get gas. None of my cards worked. I called my branch because I know them all and they know me and are very nice to me. The branch manager, XXXX, tried helping me. We were on the phone for 4 hours trying to get me money to continue on my journey. I missed my daughters baby homecoming. I missed the party on the XXXX for the baby. For no reason they closed all my accounts. What did my children do to deserve their high school checking accounts to be closed????? I did nothing either. There is no reasonable explanation as to why they closed my accounts. Shame on JP Morgan Chase, XXXX. I am starting a class action lawsuit for damages and pain they caused me and my children and I am taking this to the media and social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Thank you for taking time to review my issue. 

I purchased XXXX tickets for an XXXX WEEKEND EVENT EACH WERE {$590.00} before taxes. Included in the cost were XXXX gift bags valued at {$400.00} each ( XXXX for each ticket ). At the event they ran out of gift bags and I was told to email the merchant to have them mailed. 
As instructed, I did as such and to date have not received any gift bags. 
The merchant emailed me back to say they would send it, but never did, and stopped returning my emails ( please see attached document ) NEXT, I took action through my bank and filed a dispute with Chase. 
I had to reopen the dispute several times. The last decision for my request for {$800.00} back of the approx {$1200.00} I paid was denied. I was told the bank " could not get the funds back, and they agreed that this charge was valid. This is fraud, and the merchant did not do as promised.

Company response to consumer: Closed with monetary relief