vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I purchased a XXXX XXXX XXXX truck from XXXX XXXX XXXX on XX/XX/2016. I was financed through XXXX to Westlake Financial and had the truck for less than 14 days. I noticed something was wrong with it so I took it to a garage I deal with regularly thinking it just needed a tune-up. It turned out to have a bad engine and after taking it to several other repair shop and being told it would cost {$6000.00} to replace or repair the engine, I contacted XXXX and was told to take it to their shop. I paid that shop {$2100.00} for them to repair it. They had the truck for nearly 4 months. During that time I contacted them several times only to be given a series of excuses as to why it was n't repaired yet. When I contacted the dealership for assistance, I was told they would take that truck in as trade and I could purchase another truck. My partner and I went in to look at their stock and after they sold my partner another truck using the original amount we were credited on the XXXX truck as a downpayment for the XXXX truck did we learn that they did n't take the XXXX truck in as trade and that I still owed on it. By that time I was 3 months behind in payments and no one knew where the first truck was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase markets a " Slate '' card with a no fee balance transfer and 0 % APR for 15 months. This is found via XXXX. Chase 's online application process walks you through steps that include a request for balance transfer. Chase 's process is to bait the consumer with a rate/fee available, to then take information for purposes of a credit check, then to step the consumer through a process of obtaining the card, and only then AFTER the card has been issued, to inform the consumer that they do not in fact qualify for the " premium '' pricing that is marketed for the card. In other words, Chase 's online process does not permit the consumer an option to decide whether to accept the card, given the actual pricing, before the card issues. I called Chase immediately and registered this concern, and they cancelled the account without charge. Nevertheless, this impacts my credit report and is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Update as of XX/XX/2017 : Hello..Today is XX/XX/2017 My Checking account by Chase Bank in XXXX California Has Inaccurate Charged and Fee of {$520.00} as XX/XX/2017 told me it was an Over draft fee for a transaction which is Incorrect! I disputed this charge and Still No Resolution. They took my whole Check with I receive from Social Security. I filed a claim XXXX regarding this error plus mistake that Chase Bank made on my checking account and I disagree with their response cornering my claim..Please keep in mind when I 1st Initiate This Dispute and Claim ... My account never was able to withdraw but 1 time Treasury Department and from my Social Security check, Which I have XXXX checks comes in monthly from Social Security and My Payday Loan from online company that I do business with. Chase Bank had my changed only debit card was changed.Basically Checking Account is still The same. Chase Bank stated I went to ATM and did a a transaction..By this it make it seems that I withdraw this particular amount {$480.00} from my account. I withdraw from my new card which Chase Bank deposited into my account from my dispute claim. I never withdraw my XXXX check from Social Security Check only withdraw my XXXX check in amount {$520.00} from my old debit card from Chase bank. This my Complaint with Chase Bank. They Treated me very Unfairly they Took my check on XX/XX/XXXX time XXXX California time zone when I called my Debit Card saying my account was negative {$520.00} and took my money when it posted from my Social Security Check. This is my Living expense income This how I pay for my monthly and This has Caused a me a Hardship crisis. As of XX/XX/XXXX-XX/XX/2017 Chase Bank Claims Department Contacted me her name was XXXX and Left me ... A massage stated they still denied my claim for refund of my money! and I spoke to XXXX on XXXX about XXXX and still claiming there was no erroron There part with My Checking account. I say they are not being honest and covering up for their mistake on my Account ... And took my check. Key point here.. Chase Bank # 1st Never Change my account number When this Issue 1st started with my claim for Social Security check on The XXXX of The Month which postes after midnight but I received myXXXX check # XXXX. Chase replacement debit card only which chase posted days later {$480.00} from The complaint I made to Claims department. On The same account which I complaint about. There focus was ... Its a chip card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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:
Overdraft charges with my bank chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: DE

Complaint narrative:
Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hired several different companies to secure a loan modification and paid XXXX dollars in advance to the companies who violated XXXX and I never received the services or the loan modification I needed in fact I lost my home to foreclosure. The companies I hired and paid are : ( 1 ) XXXX Legal Document Professionals XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX paid {$2500.00} ( XXXX ) XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX paid {$12000.00} ( 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ( 4 ) XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX XXXX paid {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
in 2012 I received notice from chase mortgage that my insurance underwriter moved out of XXXX My mortgage, in effect, doubled. It was approximately 4 to 5 months that had passed when I realized this had occurred and my payments were being held in suspense and I was being penalized. I paid a higher rate for several months, being assured that everything would be okay at the end of that period. It is not. I am in an escrow spiral I can not get out of and they are demanding over XXXX dollars a month starting XXXX. 

I am a mother of XXXX kids. It is XXXX. They will not be receiving payment. I have tried several times to pay them and they will not accept anything less than this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: MA

Complaint narrative:
collection agency called my place of employment and asked receptionist to transfer them to my manager. Company proceeded to interrogate my receptionist until I was able to take the call. Once I spoke to the rep he yelled at me stated he was in process of garnishing my wages and filing a lawsuit unless I paid {$500.00} of a {$700.00} debts that is over 6 yrs old. If I did not agree to terms they stated I would be arrested at my job. I tried explaining that this was the first time I heard of this debt. Person continued to yell and when I asked for their name and name of supervisor I was told that I need to learn to pay my bills. I asked the rep to stop speaking to me in that manner and he continued to talk over me and yell. I explained that I had never been contacted on my personal phone and even provided number and rep continues to call my employer asking to speak to anyone who works with me. They also threated to call my HR director to tell her I do not pay my bills and start garnishment process. They even said everyone in my agency will know I do n't pay my bills. I got very upset and told person on the phone that I can not continue to speak to someone so disrespectful and hung up. The company kept calling me back and yelling at me. I have never in my life been spoken to this way. I am concerned as they stated they are calling back to speak to the head of my company. Company wanted me to set up payments of an amount I could not agree to and I was told " What is wrong with you? You ca n't afford {$70.00} bucks a month and you work. What kind of job do you have. '' At this point in conversation I declined to speak to them and hung up. they have since called my place of employment 3 more times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My sister was alerted via mail by Chase Bank that they were closing several of her accounts established during her childhood XX/XX/XXXX at what was then Bank One in XXXX. 

I have similar accounts and did not get such a letter. 

She immediately went to a Chase Bank branch in XXXX, Texas to get a cashier 's check to close her accounts. She then phoned me and encouraged me to do the same thing. 

That same day I went into a Chase Bank branch in XXXX XXXX, California to ask for the money in my account. The banker manager started the process and then said we needed to call a Chase Bank corporate phone line. 

The representative at the phone center said that because there was 'fraudulent activity ' on the account I could n't make a withdrawal. 

They then said a check was to be issued on XX/XX/XXXX that would be mailed to me for the balance in the account. 

To this day, now many weeks after going into the bank and being promised my money, I have not received a check and I do n't believe that it was ever issued. 

I am beyond upset about this treatment and need your help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX/XXXX/16 I arranged for a payment to be withdrawn from my bank account to Chase for the amount of {$100.00} to be posted on XXXX/XXXX/16. I was unable to get the money in my bank account so I cancelled payment online on XXXX/XXXX/16. I received email confirmation of the cancellation. However, on XXXX/XXXX/16, my bank showed NSF fee for {$28.00} due to Chase crediting my bank account {$100.00}. I contacted Chase and they said they had no record of my cancellation. After many " secure messages '', a few phone calls, and having screenshots of my bank statement, cancellation page from Chase.com, and the cancellation confirmation email, they were persuaded I had indeed cancelled that payment of {$100.00} ( which I made two days later ) and that I was due {$28.00} for the NSF fee. COMPLAINT # 1 : When speaking to Chase, they refused to send the {$28.00} back to my bank which I had to pay. Instead they insisted it had to be put on my CC balance. The lady stated " it still goes back to you ''. On the contrary, they closed my CC and I do not have access to it. They put it on my CC balance, but it did not go toward my next balance due date either. I WANT MY MONEY BACK IN MY POCKET OR BANK ACCOUNT! COMPLAINT # 2 : After looking through my bank records and seeing payments to Chase, my credit report, and the fact I had to prove I canceled a payment, I would like to call into question the security of Chase 's website : electronic payments, personal info., credit reporting, etc. I dispute ALL information Chase has reported to all XXXX credit bureaus and would like CFPB support. If Chase can lose one cancelled payment and claim it has NO RECORD AT ALL, it is reasonable to say that other information could be missing and/or could have been mishandled that is negatively effecting my credit report at this time. In addition, I am questioning my balance due and other charges that have been placed on my CC. Since Chase has closed my account, I would like CFPB support to clear my credit report of any record with Chase and push for a balance due of {$0.00}. My records indicate that the balance is not even half of what Chase states it is now. In conclusion, my complaints are directly from Chase 's incompetency in quality assurance, customer support, and customer/website security. I would appreciate your help in this matter, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I work for a XXXX company and while they do direct deposit my pay check my expenses are paid in US funds by check drawn on XXXX. Of note, there were a couple of XXXX branches located in the metro XXXX area until a few years ago. When I deposit them I do have to use a teller. About a year or so back I deposited XXXX that was over {$5000.00} and got hit with a large fee which no one in the local bank was aware of. 
On XXXX XXXX, 2016 I went to deposit XXXX checks which did total over {$5000.00} and spoke with bank staff and asked if I needed to do them as separate deposits or what to avoid paying a fee and was told that it would be ok on a single deposit. I received a letter from the bank the next week saying that they had reversed the largest of the XXXX checks ( {$4600.00} ) and debited my account since it would require " special handling ''. When I called the customer no service listed on the letter she told me that the local branch was wrong and that I had to pay the fee. When I asked for the check to be returned I was told that the process could not be stopped. According to XXXX they transferred the money to Chase on XXXX XXXX but it did not appear in my account until XXXX XXXX and the deposit was less than the debit. When I went to the branch on XXXX XXXX and asked why the amount was reduced they did not know and when the banker called to get the reason he was told the wait time for him to speak with someone would be 40 minutes. At that point he did reverse a {$45.00} international collection fee and I left. I received a letter from Chase XXXX XXXX stating the deposit was reduced by {$90.00} stating the reason was " Foreign Currency Paid ''. I called the customer no service listed on the letter since the check was made out to be paid in US currency and was told that what the letter stated as a reason for the fee was wrong and it was because XXXX charged Chase {$90.00} to cash the check. I was told that the local branches are not aware of the fees since they do not handle many foreign checks. 
I have already opened a new account with a credit union and will be closing this account as soon as the last check clears and will also be moving my mortgage to a new lender.

Company response to consumer: Closed with explanation