vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I had an outstanding balance with my college. I paid them the balance that I owed. I checked my credit report & saw that the college sold the debt to a collection agency. I disputed with the collection agency to let them know that I did not owe them & that I paid the debt to the original creditor. After getting the dispute results back, it was updated on the collection account as " Paid collection. '' This is inaccurate as I paid the debt to the original creditor. I 've disputed this account many times & I keep getting the same results. After disputing again, Coast Professional responded and CONFIRMED that I paid the original creditor and not them. I will attach that document to this complaint. I have never done business with Coast Professional. I have never heard of them until they were on my credit report. I have been disputing this inaccurate collection account reporting on my credit for almost 2 years. Remove it now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
So I am told I owe XXXX a month in interest. Last month I paid {$600.00} I made zero progress to pay down. The payments I sent in take 2 even 3 weeks commonly to be processed. Every Friday I get paid and every Friday I put a money order out. They will not take debit online or on the phone and I will not give my banking routing numbers out online with them then having rights to put holds and auto billing in place. I send out money orders with other bills and every other bill clears in a few days, 3 weeks later Navient has still not yet processed the payment. Allowing the interest to build and build and build and so when I pay XXXX in a month that has XXXX a month in interest that end of the month I still am at XXXX balance as I was at the start. How at 6.8 am I paying nearing double the interest for a month am I seeing no progress. Simple take 2 or 3 weeks to process a payment so the interest just grows faster and I never make progress forward as I shell out more to this bill a month to all bills but my rent at present which its approaching. 

I will never pay off the balance even at vastly more then the interest by how they are delaying processing the payments sent in!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted an identical complaint against Chase in XXXX 2015 for unauthorized interest charges and after your involvment they resolved it. The Case number was : XXXX. However, Chase has done the same unlawful act of charging interest after receving payment. 

I had a {$5400.00} statement balance, which was due on XXXX XXXX on XXXX XXXX I had made payments totaling {$5100.00}. I was blocked from making the final {$310.00} payment by a 24 hour payment lock and I am willing to pay interest on that, but not on a {$5000.00} balance that was paid. 

I reached out to Chase to resolve the issue without CFPB 's involvement, but my request denied without any explanation. 

I am an XXXX # XXXX and now that they have done this a second time I am considering filing a unlawful business practices lawsuit under Business & Professions Code XXXX et seq. 

I also think Chase is engaging in this kind of behavior routinely of false interest charges and needs to be kept on a tighter leash. All documentation showing the payments were made is attached. The total interest charged was {$61.00} based on the {$5000.00} balance, which was paid. There was a {$310.00} balance on my statement and I was willing to pay the approximately {$5.00} on that, but now that Chase has made me to go to CFPB again for bogus charges I would like to pay no interest. 

More importantly other consumers need to be protected from these type of unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had missed a few payments with Jp Morgan Chase bank so i knew i was behind. In an effort to get back on track i sent them i check to bring me up to only being behind one payment with the hopes of being able to pay the last payment the following week. I would have waited one more week and sent it all at once but i figured that they would like their money. I then find out that they are going to return the check because it was not enough to cover the full amount of what was due. Also when i called to ask of what the exact amount is to reinstate my loan they were unable to tell me what that amount is. So now it is going through a process to give me what the amount is as well as adding more fines and fees on a daily basis. Also i found out that my house has a foreclosure sale date from XXXX different third party attorney offices two days before i received that information from chase. Also they have informed me the reason that they can not give me the reinstatement amount because of foreclosure fees but they can not tell me what all of these fees and penatlies are for. It feels like they just have an " other '' line on my loan that is their playground for adding additional charges to my account and do n't have to give me a reason for it. I also have a log of other phone calls leading up to this point that my wife and i have made to chase where we receive information from a customer service person and move forward with what they tell us just to find out from a different customer service person that we can not do that. They have their system setup so that if you fall behind you will be drowned with with fees and penalties that grow daily while they drag their feet to get you the information that you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Submitted a claim for disputed transaction charge from my debit card with Chase Bank due to an illegal charge from company XXXX for {$480.00} on XXXX XXXX, 2016. This ticket company XXXX has violated their charge policy regarding selling of ticket. The ticket price was {$800.00}, and since XXXX did not accept a " Credit-Card entry '' ticket for XXXX concert, this company charged my debit card {$480.00}, even though their policy clearly states that they can only charge XXXX % off the ticket price ( XXXX % off {$800.00} should be {$160.00}, instead of {$480.00} ). XXXX refused my dispute, and only provided refund of {$120.00} instead. Thus, I had to dispute the transaction directly with Chase Bank, but the claim was recently rejected on XXXX XXXX, 2016 and the temporary credit is now removed. I actually work for Legal Department at Chase Bank and reviews all the legal CFPB complaints on daily basis, the charge by XXXX was clearly illegal and violated their policy ( stated on their website ). Please provide your assistance in order to refute the rejected claim, so we can come to a resolution and return the charge back to my debit card account. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
After having an account with Chase Bank for 15 years ( checking, savings, auto loan and credit card ) Chase Bank puts a hold on all of our accounts without notice or warning. When we called to find out why, we were told that " in order to keep you safe we need to verify your identity with the Social Security XXXX before we can release any funds ''. They said my husband had to go into a branch to fill out a form in order to have access to our funds. I explained that my husband 's paycheck would be direct deposited that night and we were scheduled to close on a house at XXXX the following day. I requested they release the hold on our joint account as my identity was not " in question '' They refused and stated if he did n't come in, the account would be closed in 10 business days and all account balances would be mailed to us. They held our funds to verify his identity but if they could n't, they would close our accounts and mail our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
My mortgage got sold over and over again in XXXX parts. The last XXXX to buy my XXXX mtg is Chase. They are threatening to foreclose now in spite of me making payments. The payments were rejected, attached if system lets me. 

I had told them I needed a reconciliation. I had told them that I just got my property back from XXXX mortgagor. I had told them I was sending my estimated payments in XXXX chunks. 

They ignored all my communiques and are proceeding. I need help to reach someone with reasoning capabilities at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX, I began the process of refinancing XXXX investment properties. Both are currently with Chase mortgage and the refinance would allow me to move to a long-term fixed rate, a change that is prudent and appropriate for me as well as Chase. Despite a strong beginning in which XXXX XXXX, my product sales associate guided me through product choices and expectations, the process went down hill shortly thereafter. The essential issue is that Chase would ask for documents, I would provide them, and then hear nothing for a month or so. After sending emails to ask for a status, the process would occur again, typically with Chase asking for the same documents that had already been sent and some new variations for good measure. There were XXXX of these iterations and it made me very frustrated. To be clear I UNDERSTAND THE NEW WORLD OF MORTGAGE UNDERWRITING. I get it. The world has changed and it requires far more diligence to get things done. The Issue that I have is the lack of communication throughout the process. Further, the simple lack of progress. Chase should have a system that alerts XXXX XXXX if the application is stalled in underwiting so that he reaches out appropriately to me as a customer. That did not happpen which required me to spend a great deal of time to try to manage my own application through the mortgage process. XXXX months later, we were essentially no where. 
XXXX XXXX, XXXX XXXX 's supervisor assured me that this was my fault. Clearly he did this without reading the file. 
XXXX has apologized for the many delays throughout the process, but frankly, I am not satisfied because the same thing is going to happen to the next customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. 
Here is the account information : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than 3 months month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX at the phone number XXXX ext XXXX call me on XX/XX/2015 to tell me ones again that my application for short sale has been denial and I have to complete a new application again despite that we have prove our hardship we have 5 month of late payments my income is less the {$34.00} a year I have provide all bank statements tax return invoice of repair for the property I have complete XXXX times the application because each time they denied the application they do n't pay attention and they do n't care for any complaint I am doing to your office the CFPB EACH complaint I send to you they do n't care because your office is not taking any legal action against the chase bank please note I have open today a complain to the Attorney general office explaining that the CFPB SO FAR IS NOT BEEN ANY HELP IN OUR CASEI AM ENCLOSING ALL MY INCOME INFORMATION BANK STAMENTS TAX RETURN AND INVOICES OF REPAIR TO THE PROPERTY SO YOU CAN CALCULATE AND TELL ME WHY I DO N'T QULAIFY FOR A SHORT SALE BY THE LAW THE BANK NEED TO INFOME THE REASON OF THE DENIAL AND SO FAR CHASE BANK JUST PLAY BY ASKING FOR MORE TIME AND MORE TIME VIA LETTER BUT AT THE END THEY DENIAL XXXX TIMES AND ASK FOR A NEW APLICATION PLEASE NOTE WE HAD A BUYER SINCE XXXX 2015 WITH STRONG OFERT {$34.00} cash and because the bank is been playing games the buyer withdraw the offer on XX/XX/2015 at this time the house is bank on the market looking for a new buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is a compliant against Chase. 
I deposited a check of $ XXXX written to me by my wife from her XXXX account on XXXX/XXXX/2016 into my Chase checking account and was given a deposit clip which indicates that the $ XXXX is on hold and " date when available '' is XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I wrote a check of $ XXXX from checking account to deposit funds into my stock brokerage account. The check has been bounced back and I 'm charged by my stock broker due to checks being bounced back. 
I called Chase and talked to customer representative XXXX, who refused to disclose more ID information. He said the $ XXXX funds will not be available until XXXX/XXXX/2016 and Chase can not reimburse me on the charges I got hit with for checks bounced back. He also refused to look at any solutions to make the $ XXXX funds available to me, even enough the $ XXXX has been debited from my wife 's XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX

Company response to consumer: Closed with explanation