vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX weeks ago I lost my debit card. Went to the local bank branch where they informed me there was an alert of a XXXX card ( possibly cloned ) being used on my account. the card was replaced and a fraud dispute filed. XXXX hours later I was advised my dispute was denied without contacting the merchants because my husband and I had logged into our account either online or through the mobile app and not caught the fraud ourselves. I escalated the issue to a supervisor who said they would reopen the fraud case and contact the merchants. chase has a 100 % XXXX liability advertising which they did not live up up. they also advertise they guarantee to have a credit placed on the account by next business day. waiting XXXX business as they requested to look into the issue, they denied our case without contacting the merchants saying the log in issue was good enough and if we did n't like it to close the account. this is a dispute over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE CHECKING ACCOUNT XXXX XXXX OVERDRAFTS WITHOUT PERMISSION FROM XXXX XXXX. STOP CHASE FROM OVERDRAWING THIS CHECKING ACCOUNT. STOP CHASE FROM CHARGING OVERDRAFT FEES. ASK CHASE TO PLEASE REVERSE THE OVERDRAFT FEES. SEE ATTACHMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
foster garbus and garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
All of my student loans have been discharged so all " open '' or " closed '' balances should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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

Complaint narrative:
Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an unauthorized inquiry on my Equifax file on XX/XX/2016 from XXXX. I filed a dispute online with XXXX and even filed two disputes with Equifax. I even called Equifax and one time the gentleman mentioned it would drop off within 24 hours. Well its been months and I finally received a company letter from XXXX on XX/XX/2016. They apologized and stated on the letter it would drop off my file which it HAS NOT and its been over 6wks. I sent that letter over to Equifax in my last dispute and they refused to remove it stating that it needed to come from XXXX. What more proof do they need and I have NEVER requested any services from XXXX and their letter states that with an apology. I do n't care what Equifax needs in terms of " their procedure ''. Fact of the matter is, it was unauthorized and I have an actual company letter to confirm that. The last girl from Equifax made it seem its ok to have this inquiry and that it falls off after two years. Well I know the rules of inquires but that is only acceptable when they are AUTHORIZED by me. This was not and everyone from Equifax on the phone was not helpful at all. They were all over the place and figures when one said it would drop off my file within a day and the last person I talked to said my XXXX letter does nothing to help them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: AS

Complaint narrative:
My father is a Chase cardholder. Last year ( unbeknownst to myself and my father ) Chase issued a card to my name XX/XX/2015 ( it could 've been XX/XX/XXXX but if I remember correctly from what their rep told me it was XX/XX/XXXX or XX/XX/XXXX ). XX/XX/2015, I XXXX ( my father 's daughter ) received the physical credit card in the mail with my name on it. I was under the impression that I had been approved for a credit card with Chase until one month later my father said he has charges showing on his billing statement that he did not authorize. I looked at it and saw that they were charges I made and apparently " my '' Chase account was not really mine but my father 's, and I was obviously an approved user added to his account. My dad has refuted this action as he has told me and the Chase staff that in no manner, shape or form did he request to add me to his account prior to this incident ( XX/XX/XXXX ). For whatever reason Chase had issued my dad a card to me ( his daughter ) without my dad 's express consent. They have been calling seeking payment for these charges but my dad ( and he is a military vet and in his XXXX 's ) very firm about being held accountable for something he is not liable for ( unauthorized purchases ), and especially stemming initially from an unauthorized action taken by Chase Card Services. The company has informed me that they too, are concerned about this " unauthorized '' issuance card matter and would investigate and get back to me. For several months I 've not heard from them. And just today they called me and said 'Oh bad news, but your dad 's account is beyond resolve, unfortunately, we have to forward ( or have forwarded ) to collections. ' But I said 'Quite odd, I had been waiting all this time and you never got back to me. ' Oh well, we are telling you this is no fraudulent activity surrounding the purchases on this card or issuance of the card but clearly your dad called and requested to place you as a cardholder- no other explanation. ' ( Even after I told them that my dad had previously spoken to customer care and stated that he did not request issuance of card..still they insisted that my dad did call and request or they believe my dad " forgot '' this detail. This is utterly absurd-negating the facts. Also they said they could not provide evidence or date and time my dad called to request issuance of card. ) I feel that they had not proceeded this matter with collections but because I had stated today that if their fraud department could not assist ( as they stated they would get back to me ) that I would have to contact Better Business Bureau or a consumer rights attorney and learn what my rights or protections are available to me and my father. 

I need your help please! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: URS Holding, LLC
State: NJ

Complaint narrative:
The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: CA

Complaint narrative:
They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: TX

Complaint narrative:
I do not know what this debit is for. Company has called my ex husband, mother and current husband.

Company response to consumer: Closed with explanation