vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
this is add on from my previous complaint with JP Morgan Chase Bank. the week when i found out about JP Morgan Chase Bank placing a pending closure /freezing my funds on my checking account. 
I went to the XXXX XXXX Chase Bank Branch, spoke with bank rep, manager, then Bank Rep manager branch called JP Morgan Chase Bank corporate, discuss my issue, stay in there for an hour. after all the discussion with Chase Bank branch manager, I should not be worried about the bills payment i had issued drawn to my checking account. all issued bills payment are going to be paid by Chase Bank via my checking account regardless of the pending closure/ freeze funds. 
& gt ; no worries ... 
Well that did not happen. XXXX was XXXX of the merchant i issued a bill payment. Since the bill payment was taken back by JP Morgan Chase Bank which made it worst. XXXX place my account on a limit status & gt ; No online payment, no credit or debit payment. all payments must be paid on XXXX kiosk at a location for a year. 
This is an outcome from jP Morgan Chase Bank actions. This is not my fault & lt ; i spoke to XXXX but damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX, 2006 we refinanced our mortgage and entered into XXXX mortgage loan agreements with XXXX XXXX XXXX XXXX. The XXXX loan was for {$560000.00} at 6.375 % interest for 30 years. The first 10 years payment was to be interest only. The XXXX loan was for {$88000.00} at 8.297 % for 14 years 11 months with a balloon payment on the last month of {$69000.00}. 
The loans were subsequently sold to Washington Mutual Inc. ( WaMu ) who also sold them to Chase Home Finance, our current mortgage company. 
When we first signed with XXXX XXXX XXXX XXXX, we were made to believe that at end of the first 10 years, we would revisit the mortgage interest rates and we would be given the rates that would be prevailing at that time. So we took the gamble and hoped for the best. 
XX/XX/XXXX, which was the end of the first 10 years, we were hoping that Chase would let us know our new interest rates for the remaining loan period and we were hoping that it would be lower than the 6.375 % as the current market rates are markedly lower than what we are currently paying. When they finally called, it was to let us know that we would continue paying our mortgage at the same interest rate as we were before. 
We have struggled to keep up with the mortgage payments with the hope that at the end of ten years we stood a chance of getting a lower rate. One of us is XXXX now and is on fixed income. The one can not pay the new mortgage amounts required. If the interest rates and or the principal were reduced, we think that we could manage. 
Our house is currently underwater or upside down so none of the mortgage companies will even give is second look if we were to approach them looking to refinance. Much as we have kept up making our monthly mortgage payments, we could not refinance our loan like our neighbors did when the government offered relief to people whose homes were underwater like ours. Our loan was not owned by either XXXX or XXXX XXXX!! Some of our neighbors had their principal loan amounts reduced quite substantially and their interest rates on the revised loans cut in half! We have asked for but have received no relief from Chase! 
We have persevered rather than default on the loan as the one who is working holds government security clearance and if he/she defaulted, it would result in a loss of both clearance and employment! We are really in a catch twenty two! We have no way out other than pray to Chase for relief and mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My last XXXX or XXXX applications for credit card offered through Chase have been rejected, each time citing only that I have applied for too many cards in the past two years. This includes their Sapphire card and Explorer card for XXXX XXXX. They are not addressing total outstanding revolving debt but submissions for cards in general to all banks. After the last letter, I called and asked them to reconsider, they respectfully declined. I asked them why they are the only ones in the industry who use this criterion for declination and they could not answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I want to add this Motion of information I filed in Federal Bankruptcy Court to the following case # 's already in progress ... 

XXXX and XXXX for XXXX and JP Morgan Chase NA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I and XXXX travel companions made a reservation at the XXXX XXXX in XXXX. I charged this reservation on my Chse credit card. 

On arrival, we discovered that there was no hot water available ( see attached affadavit ) so we went to a different fhotel ( receipt attached from XXXX XXXX XXXX ), I disputed the charge at the XXXX hotel since no hot water was available but Chase has sided with the XXXX hotel. 

I feel this is not right since we did not stay there and we had good reason ( lack of hot water ) for going elsewhere. 

Thank you for your kind attention, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have credit cards with XXXX XXXX XXXX, Chase, XXXX Bank and others. I paid for the protection insurance if I lost my job or was injured, the amount owed would be removed. None of them honored this policy and I paid extra for this service. I provided them with the documentation from the unemployment insurance of California yet I am constantly harrased and threatened by their agents relentlessly. They have called my relatives, friends, even my church. It seems that they have a copy of my phone bill and called every one that I may have had contact with. I do not know what to do as I took out the insurance policy with each of them and they should honor it as I paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
To whom it may concern, I have sent you a complaint three times. I have asked for answers to my question I still have not received these answers from chase. When someone applys money incorrect and will not explain to you why or where it is, is n't that fraud.Well i need answered to these question and chase is lying to you by saying they have answered these questions cause they have not 1. I sent copies of receipts showing I paid extra into escrow they have yet to tell Where the money is. I want it refunded or put into escrow.I paid at the bank is why I have copies and proof of what was paid and how much They told me the do n't accept extra money on escrow but the payment stub has a option to do so. 

2.Send a copy of the checks I wrote them There are 31 checks they show on the history that are one amount but in reality there is more money paid they show less. example below : XXXX wrote a check XXXX which was XXXX, XXXX extra to go in escrow They show on their records check amount was 914.93.There are 31 payments like this and none of the extra money was applied to the escrow. Is n't this fraud. 

3.On XXXX I wrote a check to them for XXXX its shows no where that it was applied. Check number number XXXX.Where is the money 4. I show on the history transaction sheet they sent me that there was no money put into escrow in the months of XXXX, XXXX, XXXX and XXXX XXXX. 

5. I show no interested added to my escrow since XXXX/XXXX/XXXX. 

6. When they did reverse they still never entered the correct amount. 

7.On copies they sent me there are many payments not applied to my account.Example below XXXX/XXXX/XXXX and XXXX/XXXX/XXXX both payments show suspense and never applied and in the copy they sent me it shows unapplied to the right.Then they have lots of money listed as curtailment and not applied.and listed as supsence 8. They purchased Washington mutal and my question to them is why do my statements say escrow and principle but no money was ever applied to the principle on the loan have those copies also. 

I feel that something is going on with my payments and the money that I have given them i want some answers please.They Tell you they have sent answers they have not answered all questions. 
They did a mod on my house and it was when my house was under water and they never offered any of the programs out there Amount of the payout. Borrowers who submitted a valid payment claim form through the XXXX received a check for approximately {$1400.00}. Checks first went out between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. ( The initial deadline to make a claim was XXXX XXXX, XXXX. ) Refinancing for Underwater Homeowners XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
We have been trying to sell our home via short sale through CHASE HOME FINANCE. We submitted an offer to CHASE on XXXX XXXX, 2015. To this day, we have gotten no answers, just paperwork that is pushed around from office to office. The short sale was initially denied, we submitted an appeal and have yet to hear anything. This has happened on multiple occasions. We submit paperwork, they say they are working on it, and then I get a letter saying the paperwork is too old and to resubmit. 
We spoke with a representative on XXXX/XXXX/15, explaining the error in the expenses portion of our RMA. Never once did she advise us to resubmit a new XXXX. I assumed per our conversation, this was being taken care of. I advised her that the offer on the home expires on XXXX/XXXX/15. She said it should take but 7-10 days. I received a letter in the mail dated XXXX XXXX, 2015, saying they were investigating the question and they would get back to us. Is n't there a reasonable time frame in which things should be accomplished? The offer was submitted to CHASE on XXXX XXXX, 2015. Here we are 7 months later and still keep receiving letters saying the paperwork is incorrect or expired. Please help. This is absolute craziness. No one ever does any actual work at CHASE. The file just sits there and no one seems to care. This is our livelihood. We have done everything CHASE has asked of us and feel they owe us some kind of due diligence in the very least. 

This is the only offer to come in on the house in 16 months. If this falls through, our house will be foreclosed. That is totally unfair because we did absolutely everything that was asked of us and CHASE did not provide proper customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB

Company response to consumer: Closed with explanation