vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a home mortgage loan at JP Morgan Chase. I am the sole borrower on the loan. My son filed bankruptcy and listed my home as his primary resident. He does live at the home. Chase filed an objection to the Chapter XXXX Plan and subsequently withdrew the objection. On XX/XX/XXXX the court ordered that the claim of JP Morgan Chase was disallowed in its entirety. 
JP Morgan Chase stopped my automatic payment plan on my loan which resulted in a higher interest rate as I could not take advantage of the automatic payment reduction in interest program they offer. I have paid more interest on my loan since XX/XX/XXXX. I have called JP Morgan Chase on numerous occasions and they indicate they can not change how my loan is listed as they are protecting my son from eviction. 
This process by Chase makes absolutely no sense to me. l am being penalized for something totally out of my control. My son is on the title to the house but is not on any loan document as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I work for XXXX XXXX XXXX XXXX. We are handling the title and escrow for the sale of XXXX property. XXXX gave me signed authorization to obtain their 1st and 2nd mortgage payoffs with Chase. I spoke to 3 different people at Chase on XXXX XXXX, 2017, in their 1st and 2nd mortgage departments. They all gave me the same fax number to submit my request for payoff and told me that the turn around time was 5-7 business days. I waited the full 7 days and called to check on my request. They told me that they did not have any record of my requests, and that they did n't show that fax number anywhere in the system. I have fax confirmations showing my faxes went through, yet they are saying my faxes were n't received. They 're also telling me that I now have to wait the 5-7 business days again. This is not acceptable. The customer is trying to sell their home and this will hold it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I was a cosigner on a vehicle Auto loan for my brother back and I believe the date was XX/XX/XXXX which the vehicle was repossessed. now a week ago XX/XX/XXXX and receiving notification that I 'm to get a wage garnishment for this vehicle the debt at the time was about {$4000.00} left on the car loan and the garnishment is for {$22000.00}. I called the attorney Steven Einstein and associates Who represents a company that is on the garnishment called XXXX to find out what the debt was in when it was I asked them for documentation and they refused they said they will not make my attorneys job easier by sending me the documentation for the debt. They stated that they have a judgment against me so they do n't have to do anything but collect money at this point I was never served any paperwork for court and had no idea of the date of court. my understanding also at the time was that I was a comaker not the only person on the auto loan which the collection agencies now stating that there is nobody on the XXXX except for me. I believe it does that is over XXXX years old and I do n't understand how they can come after me XXXX years later for that that was n't even really mine in the first place. also how are they allowed to garnish my wages and not prove send any proof of the debt to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a XXXX XXXX mileage plus credit card from Chase. As part of the benefits of the credit card each year the consumer receives XXXX XXXX XXXX passes. These passes have an expiration date on them. However, in the past XXXX has look the other way to use expired passes ( not every time though ). The consumer pays an annual fee each year the credit card account is open. If the passenger/consumer cant walk into a XXXX club with a day pass then why should the consumer be charged an annual fee from Chase? During the past several months XXXX XXXX has disavow/refusing day club passes at various airports ( that come with its co-brand credit card ) access to open lounges in XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, etc ... while the airline renovates other lounges in the same airports. Poor passenger experience and signals that cobrand cardholders are second class customers. Even if a consumer/passenger is flying on a paid walk up, last minute prem. XXXX First class ticket and showed XXXX of the XXXX passes, still denied entry! Last month in XXXX I was flying to/from XXXX XXXX XXXX and XXXX failed to renew liquor license so XXXX dry days at XXXX XXXX Airport. The gaffe affected XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. The XXXX club in terminal A could have served alcohol, however its closed for renovation. Looks like Mileage Plus is a now a second tier program. I guess co-branded Chase Airline/Club cards are the next whack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 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:
Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have been experiencing extensive issues with Chase Auto Finance ( XXXX XXXX XXXX XXXX KY XXXX ) approximately since XXXX XXXX. Daily, repeated, telephone calls to my personal cell phone escalated into calls to my work phone. After 3-4 phone calls to my employment phone, I demanded Chase Auto Finance never contact via my work phone. Chase Auto Finance has complied with this request ; However, their over-aggressive collection tactics ( that of which stems from one ( 1 ) unsuccessful monthly payment ) have developed into an atrociously diseased business practice. On XXXX/XXXX/XXXX I telephoned Chase Auto Finance to make a {$360.00} payment on the balance due of {$720.00} via debit card. The representative I was speaking with questioned why I was not paying the balance in full. I responded by stating the funds were not available, I would settle the balance due upon receipt of my Federal Tax Return, and that information was not of her concern. She then inquired on the date of when I would receive the tax return, and if it would be direct deposited. I informed her this was " none of her business '' and, with concern for fraud/scamming, refused to provide an approximation of the date of tax return funds. The representative responded aggressively, claiming no payment would be accepted unless it was the full balance due. I explained to her this was untrue as I have made partial payments on prior occasions. The representative became argumentative and at that time my demeanor changed and I demanded she accept my payment towards the total debt owed. The representative then stated that my proposed payment would be accepted if paid by giving her my bank account information. I refused to provide this information and restated I would pay by debit card. At that time she claimed a debit card could not be processed for this transaction. Arguing ensued, with talk of repossession of the vehicle by both myself and the Chase Auto Finance agent. The agent claimed that Chase Auto has the right to repossess a vehicle at anytime. I became agitated and ordered her to accept a debit card payment or to forward my call to a manager/supervisor. The supervisor was polite and non-argumentative but did attempt to coerce information about the approximate date of my Federal IRS Tax Return. 6 days ( on XXXX/XXXX/XXXX ) after this incident and successful payment of {$360.00} to Chase Auto Finance, I received multiple phone calls from phone # ( XXXX ) XXXX. I returned the call only to discover it connected directly to Chase Auto Finance. To my knowledge, Chase Auto Finance 's contact # is XXXX -or- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Around XXXX 2015, entered into the XXXX credit hardship program for a length of 12 months. During the phone call with the collector, they stated my debt would be settled after 12 months of on time payments of {$14.00} a month. I specifically asked them if the debt would be discharged after 12 months and they responded in the affirmative. On XXXX of this year, after making all the agreed payments, I called them about why the debt had not been discharged, and they stated I had misunderstood what the agent had said about my debt being discharged and it was a common problem of people in the hardship program. I stated I had the original contract sent to me by them as well as a transcript of the agent telling me they would discharge my debt. After putting me on hold they stated they would review the original call from XXXX of 2015 and get back to me in 5 business days with there decision. I asked if they would discharge the debt as agreed upon and they stated they would not, they would do only what they could as outlined in the paper agreement, not what was verbally agreed upon. I stated I wanted to settle this matter now and I would pay the remaining balance on the statement, barring the removal of the late fee 's they had charged me. I did not want to go to court over such a small amount and they made it sound like this would be something they would go to court over as it was a 'common mistake made by there customers over the hardship program '

Company response to consumer: Closed with monetary relief