vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX To whom it may concern : In XX/XX/XXXX, I entered into a contract with XXXX XXXX to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by XXXX, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with XXXX specified vendor - XXXX, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the XXXX XXXX card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a Chase Bank credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called Chase Bank, an attempt was made to transfer the remaining balance from the original XXXX XXXX account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with XXXX credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from XXXX XXXX. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the XXXX XXXX balance to one bankcard ( VISA, MC, etc. - preferably the new Chase card I presently have ), with equal or better terms as that Chase card, at no cost to me or my credit score. I no longer wish to do business with XXXX XXXX. 
-- If that option is not possible, I 'd like the remaining balance on my XXXX XXXX card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am curious why my payment, again, is due back to back with you guys. I would like someone to make contact with me. I have never had this issue with anyone before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a home discharged through the bankruptcy courts in XXXX. Since then, Chase Mortgage harasses me on a weekly basis- through mail and calling my cell phone repeatedly. I have no idea what they are after since legally, I am no longer responsible for this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My personal account at Chase was breached, either by someone stealing my personal information off my debit card, or Chase themselves stole it. When I filed a claim, Chase said to me : " They issued me a 'Perfect, Flawless, and Unique '' debit card that is literally " perfect '' and can not be reproduced or make any errors '' so they blame me for making XXXX+ withdrawals even though I absolutely did not such thing, and gave my information to no one. Either Chase is lying about how perfect the card they gave me and someone copied it from somewhere or Chase themselves used my " perfect card '' themselves, after all since they claim my card could not be duplicated then that leaves them as the other other way my money, {$2000.00}, disappeared into thin air, they said. They also said I had to have made those withdrawals even though My boyfriend is a witness, and claims I was with him during one of the purchases. This is a SCAM Chase is using to either steal, or allow someone to steal all my money, get paid for it, and refuse to be accountable for any money they manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The mobile deposit of an Offcial Check of {$1900.00} was made into my Account on XXXX/XXXX/15AM and Bank Accepted the Deposit on XXXX Afternoon and Credited to my Account on XXXX/XXXX/15. Based on Available Balance I Withdrew {$1200.00} Cash & XXXX/XXXX/15 Withdrew {$1100.00}. On XXXX/XXXX/2015 AM Chase Bank Informed me that Official Check 0f {$1900.00} Deposited to my Account is Fake and Charged my Account {$1900.00} Debit that created Negative $ XXXX Balance. On XXXX/XXXX/2015 A Social Security Administration Deposited Retirement check of {$1500.00} in my account. Chase bank take away that money to pay-off negative Balance. I think this is unfair business practice who accepted Fake Official Check Deposit on XXXX/XXXX/2015 and then punish customer by taking away theirsocial security money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My wife and I worked with XXXX back in XX/XX/XXXX-XX/XX/XXXX to help us get rid of and negotiate some credit card debt. This was completed in early XX/XX/XXXX and we felt wonderful about it. Last week, we went to our bank looking into refinancing our house and one of the XXXX negotiated accounts is still showing up on our credit report showing we owe {$10000.00} when in fact we received documents that we graduated their course and all debts were settled. I 've been on the phone for hours today with XXXX and Chase Credit Card Services and have not had any satisfaction in getting this resolved and the debt removed from our credit statement. I ca n't afford a lawyer to fight this and hope that the Bureau of XXXX will able to make this right. Thank you for your help. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A company debited my account without permission iao of XXXX. I contacted the bank to advise of the transaction and was asked did I contact the merchant directly. I contacted the merchant, who did not follow-up on the claim. XX/XX/XXXX after no refund from the merchant I filed a claim with the bank. I was advised a few weeks later that it was declined as previous business occurred. I was not happy with that response because it was not authorized therefore I called the bank again, spoke to upper level management and was advised 90 statue of limitations expired. I contact the bank a week later spoke to another manager and was advised 120 day statue of limitations. In the meantime my account was closed and I know have a -XXXX account that has turned into over {$600.00} worth of fees. I run a business and need my account. I have been a longtime customer with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My auto draft payment was taken out twice on the same day and they will not reimburse me for 4 to 6 weeks. This is putting a financial hardship on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
mortgage was last made a payment in XX/XX/XXXX to XXXX. Apparently, XXXX submitted a satisfactory paper work while we were settling the account in XX/XX/XXXX. Greentree aka ditech bought the account in XX/XX/XXXX. The company states that we have not paid the amount and that it was in XX/XX/XXXX that we last paid. Incorrect. the payment that they say they have received was actually when XXXX was in a class action law suit to return unfair fees to consumers ( this is what i 'm thinking it was, regardless, I never made a payment, I never asked to be part of a lawsuit, nothing. ) We 've disputed it multiple times as well as sent in the proof to credit agencies that we have satisfied this mortgage, but yet greentree aka ditech is harassing us. They call at least 20-50 times a day, they 've destroyed my credit, and have came to our home to harass us. They call our home and curse at us, even contacting us after we had representation from an attorney. Our attorney states that we do not owe them anything and that they ca n't pursue us legally. It even states on the XXXX letters they mail us that they ca n't legally pursue this matter. I need them removed from my credit. I need them to stop harassing me. They have altered the dates on my credit file to make it appear that I have defaulted payments which has not been the case. The last dispute these people lowered the amount by XXXX and they were allowed to stay on my credit. I feel unsafe and uneasy to leave my family due to the harassment via phone ( violent, nasty verbal threats ) and in person communication ( showing up at my home unannounced in a home ). I have attempted to be civil and work with the company. I have mailed them all the documentation. My attorney mailed them documentation, they refused to comply and refused to negotiate or listen. Unfortunately, they are fraudulently reporting and committing an illegal act with their actions. I insist that this be removed from all three of my credit scores. They went over 3 years without reporting on the report and suddenly showed up in XX/XX/XXXX. This is unfair and not legal. Please help me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : A short sale request was submitted in XXXX XXXX to servicer Chase bank. They kept losing documents and after 7 months, we received a short sale approval on XXXX XXXX, XXXX. 
The buyer was tired of waiting so they walked. A second buyer contract was submitted to Chase and Chase decided we needed to start process all over again. Per guidelines established by hmpadmin.com, it clearly states, '' fixed termination date not less than 120 calender days from the effective date of the shortsale notice ''. This means the approved net is good for 120 days on HAFA short sale notice. The correct way of handling the XXXX buyer is creating new approval letter with new buyer name as long as net is equal or higher as original approval. Chase erased all old Equator emails and started a whole new email line so it would show as a new file. This file is out of complaince due to not following their own HAFA Chase XXXX timelines. I have an all cash buyer ready to close in 7 days. All I need is an update approval letter. Please assist me. I have tried everything and no one at Chase will assist me XXXX buyer is hanging by a string. 
Time is of the essence Your assistance is greatly appreciated, XXXX XXXX ( Realtor on behalf of seller )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
Rush CardI have been a member of Rush Card since 2007, Prior to Rush Card upgrading there system on XXXX XXXX, there have always been different issues that have come up, and honestly I should have discontinued this service a long time ago. Now since there upgrade this weekend, my card is no longer active, I am being declined when I try using it. I can not take funds from the bank. I can not see my account online b/c the online account does n't come up, and when u call there number it will either keep ringing, disconnect or number invalid. 

I called to check my balance on Sunday, no answer. I kept calling got lucky a little, b/c the rush card automatic system came on, it took a minute but I was able to put my info in through the phone line and it said my balance was XXXX. I need to know where is my money, b/c I had/have money in that account. 

My direct deposit is also scheduled to hit today and when I tried canceling it with my company it was too late, so now all of my pay check is in this account, in which I do n't even know if this *** company is still in business. XXXX XXXX some of us need our money, unlike yourself. I also agree with the last persons review. Your call center reps all need to speak clear English. 

I called the company number and literally fell asleep. Woke up 2 hours later, and I was still on hold with the hold music. As of today XXXX XXXX. I have finally received my direct deposit, but not all my money that was originally in the account. It 's to much trying to get thru, it was n't a whole lot, so once my direct deposit kicked in I have now cancelled the card and service. This is the worst experience and I will never look back at this company. I do want compensation for the inconvenience and would love to be a part of a class action law suit, if one exists or start my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan/Chase has decided to eliminate an Overdraft product which allowed consumers to attach their ( Chase ) credit card to a checking account - see attached document. This product protected the customer from inadvertent overdrafts and also allowed immediate access to uncollected funds by utilizing the credit line to cover any insufficiency in funds availability. I have had this product since XXXX ( Chase predecessor Bank : XXXX XXXX XXXX ). 5 weeks ago Chase communicated to me that this product would be eliminated in XXXX of XXXX and advised that Overdraft Protection/ Funds Availability coverage would now only be provided if I fund and associate a Chase personal Savings account for that purpose. 
I am a Chase retiree and a Account holder since XXXX. My checking account has had Overdraft/ Uncollected protection through my associated credit card for 35 years. It should be noted, I have several Chase credit cards and spend $ XXXX on the Chase card that also provides my OD protection. I have reached out to Chase customer service and their response has been to advise me they will start charging me {$34.00} for insufficient funds unless I " gift '' them a personal Savings Account. I say " gift '' because Chase is n't really paying interest on personal Savings Accounts ( 0.01 - 0.03 % ) - see attached copy of those communications. 
I believe this is a predatory policy change affecting all Chase customers. However, more critically I see this change impacting senior citizens who - like myself, have been long time Chase account holders. I estimate conservatively that this change could impact XXXX to XXXX XXXX US senior households with a Chase Banking relationship ; this estimate is based on the following facts : 1. ) JPM Chase has relationships with 50 % of US households ; 2. ) The XXXX Census reported XXXX XXXX US citizens XXXX and over. 
As a senior citizen myself, I know my fellow seniors are resistant to change, have money, are good credit risks and in many cases not in the practice of monitoring Bank originated communications. 
In closing, I want Chase to grandfather this protection for existing senior citizens. Maintaining this service has no cost to Chase as the infrastructure is in place. I need your help to get this done!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years. 
I should not be hold liable for the fraud charges according to Chase policy with XXXX fraud protection. I did not know what happened when I lost the credit card. The similar merchants on the dispute should not be my fault. When I review the transaction and merchant, I found out that merchant will in fact give the cash to buy back their items. XX/XX/XXXX be, it is the theft incentive to use similar or the same merchant. 
When I look on my card member agreement, there is no clause about the undue burden or failure to protect the card. I had protect my card when look at history I 'm with Chase. During the four year with Chase, I took the very serious step to protect my credit card. XXXX is known to high rate of theft and pick pocket, I took action to protect my belonging very seriously. Unfortunately, bad luck does happen. I contacted Chase as soon as I have the mean to do so when my wallet got stolen. 
Chase should be reposible for what they advertise, XXXX liability. I think I should have peace of mind when I use credit card with Chase. Chase should honor their commitment to their customer not make customer pay for the fraudulent charges. 
Also According to Fair Credit Billing Act, my maximum liability for fraudulent is XXXX USD. I should not be billed more than the amount under the law. I have sent the police report to Chase. I hope Chase should do the right thing and protect their customer when their card got stolen. The card got stolen should not be my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UBS BANK USA
State: NY

Complaint narrative:
1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.

Company response to consumer: Closed
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have told Chase numerous times that I do not wish to communicate with XXXX, I called to make sure a payment on another loan posted and then they asked me about the Chase loan, I had advised Chase that the due date does not work and not sure why it was changed. I advised them that last year, Chase changed it for me but this time they are claiming they ca n't, this is a problem and I told Chase that I have issues with XXXX because they do not know anything and will use scare tactics. I have also told XXXX numerous that I will not do any auto debit with them because I do not trust them but I keep getting offered it any way. I do not want any contact with XXXX at all, I hate dealing with me because it is a nightmare to get answers from them. They are similar complaints against from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This debt was paid in full but it still shows that I still need to pay

Company response to consumer: Closed with explanation