vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a wire transfer from my Chase business account to an overseas supplier on XXXX XXXX, 2015 in the amount of {$2200.00}. I got an error saying that the transactions could not be completed. The system was unstable and I had issues going to wire page. After a few minutes I tried the transaction again and got a transaction successful message. Just to double check I went to the " wire activity page '' and saw not XXXX but XXXX transactions for {$2200.00}. I spent 1 hours and 5 mins shuttling between various groups. XXXX transactions showed as complete and the second in transit. I asked the intransit to be cancelled because it was obviously an error on Chase 's part. They admitted that were having system issues. At the end of the call I was told that the transaction completed and they could not stop the transfer. They said they would contact the Bank in XXXX for a reversal. I called them again on on XX/XX/XXXX and was told they are still waiting for a response. I called again on XXXX XXXX and there was still no resolution. 
I discussed with my supplier and he was willing to wire the money back minus the {$10.00} deduction his bank made and any charges they would make for a wire. Chase on the other hand said they couldnt do anything about the reduced amount but would credit any of their own fees. They said they were not responsible for any fees on the receiving bank 's side. I aksed if it would be better for me to await Chase 's resolution or request the supplier to return the money. They were non-committal but finally admitted that perhaps having the supplier return the money would me more timely. 
How can I be made to beg for my own money. I ca n't believe Chase has been so incompetent and unapologetic for their mistake. What if my account goes overdraft! I ca n't believe I am expected to be in the red for a Chase system error, which they are not taking responsibility for, but admit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a chase checking account for more than XXXX years ( Account # : XXXX ). I got it activated again by visiting their branch in XXXX ( XXXX ). I submitted all the documents and signed the required SSN declaration too. To my surprise my account was closed without any notice and without any explanation. I had given my account details for my paycheck and now I 'm left without an account and denied of banking service. I 'm not sure why my account was closed and was it due to any kind of discrimination due to my first name. My contact details were intact and I even received account statement from chase in my postbox, which means my contacts are intact. I did n't receive any communication either via post/ email / sms from Bank regarding my account closure. I discovered my card didnt work and when I contacted customer support I was told it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On or about XXXX/XXXX/2015, I received an approval letter from my senior lien holder and immediately forwarded it over to the junior lien holder Chase. I have received several extensions from the Senior Lien Holder and I have informed Chase that I can not receive another extension. This latest extension expires on XXXX/XXXX/2015. I have phoned, emailed and sent messages through equator and still no result on my approval letter. My file has sat with Chase for over a month and was not touched. It took XXXX months to get my address corrected. It is as if the bank is pushing me into a foreclosure situation, I see no evidence of them doing what the government says the lenders should to provide foreclosure alternatives to us as homeowners. I have tried as hard a I can to make this work and the bank is being unreasonable. So, due to their inactivity and unwillingness to assist me, I have reached out to you. I am desperate for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Macys uses a company called MCCS for collections of accounts that are past due but not XXXX days past due. They use robocalling and most of the time no one is there. I am not the only one who is having this issue. The phone number they use is XXXX. I consider this to be harrasing. Macys statement on the bill is " A friendly reminder that your payment has not been month 's billing period. '' In my opinion this is not ethical business practices. On XXXX XXXX I received XXXX calls. This is unacceptable and harrasing for a bill that is XXXX days past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought a painting for {$150.00} from XXXX on the internet using my Chase Visa card. Shipping was supposed to be included in the purchase price but, after the purchase, the company wanted to charge me another {$150.00} to ship the painting to me. I tried to put the {$150.00} into dispute on my visa card but Chase Visa ruled in favor of the merchant and told me it was a dispute with the merchant and to contact the merchant directly to resolve it. I contacted the merchant once more. They said they no longer had the painting - it had been resold. I contacted Visa once more to explain that this was now a fraudulent charge on my card. Chase Visa refused to accept this as a fraud and continued to claim it was a dispute with the merchant. As a result I am {$150.00} out of pocket and I have a problem with the goods - I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Overview : A hotel overcharged me in a foreign currency. They later reimbursed me, but due to the change in the exchange rate I ended up paying more. 

Details : Recently I booked a hotel online via the hotel 's site. The hotel accidentally overcharged me. The agreed upon cost was XXXX, they charged my credit card XXXX XXXX ( they misplaced a decimal ). My credit card converted this charged in to USD, so this amount ended up being about {$4900.00} USD. 

The hotel acknowledged their mistake and reimbursed me for the overcharge in XXXX ( XXXX XXXX ). They credited my card {$4300.00} USD. 

If the hotel had charged me the correct amount to begin with, the charge on my credit card would have been {$490.00} XXXX. Because of a change in the conversion rate, I am now paying about $ XXXXUSD ( {$94.00} more than I would have if they had not made this mistake ). 

The hotel mistakenly charged me XXXX times the agreed upon amount. Chase is saying that as the consumer, I am responsible for paying the conversion rate difference. I should not be held responsible for the mistake of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I applied for a modification review with Chase on XX/XX/2015. On XX/XX/2015 my attorneys office spoke with the lender and they stated that the underwriters were requiring clarification on XXXX XXXX XXXX XXXX personal loan showing up on my credit report and paychecks. The attorneys office provided the clarification and the Chase representative stated that the file was being sent back to the underwriter. On XX/XX/2015 my attorneys office called the lender again and spoke with a XXXX XXXX, who provided the status update that the documents were still with the underwriter pending a decision. On XX/XX/2015 my attorneys office called the lender again and was given the status update that the file was actually DENIED and kicked out of review on XX/XX/2015! The office provided Chase with the information that we were given false information for the last XXXX calls to Chase and an escalations representative came on the line and stated she would ATTEMPT to send it back to underwriting but because its been so long she is unsure if it will work. Please help! We have been lied to for the last 2 months! How are we able to complete a review if they are giving false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received mail flyer showing XXXX bonus miles to sign up for Mileage Plus XXXX credit card from Chase Manhatten Bank and when your go to the website the offer is XXXX bonus miles. False advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
These debts were incurred by my wife alone. They have never been joint accounts, but RSH Associates in XXXX, KS are listing them as a joint accounts on MY credit file. XXXX was for a voluntary XXXX and XXXX was for mental health counseling while we not living together. I want these items removed from my credit file as they are not mine and I have no responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC
State: FL

Complaint narrative:
A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
I have sent Bull City Financial Solutions dispute letters and Fraud Affidavit informing them that I was a victim of identity them. I sent them this form on XXXX XXXX, 2016. Someone use my information without my knowledge. I have disputed this claim with both XXXX and XXXX and they have stated that Bull City Financial verified that the information that they are reporting is 100 % accurate. According to the laws, if the information is not accurate then they must remove this information from my credit file. In this case, this account must be removed because it does not belong to me and I have sent Bull City proof of this. I need your assistance in getting this matter resolved because I am tired of going back and forth with Bull City and the Credit Agencies.

Company response to consumer: Closed with explanation