vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase continuously charges a late fee on its Freedom VISA card ( Acct # XXXX ), despite the fact that bills are paid directly from a Chase checking account and are suppose to be credited the same day. It was due on XXXX XXXX and was paid electronically on XXXX XXXX. Yet XXXX XXXX was still charged a {$25.00} late fee, as he has been many times previously because of the deceptive, unfair and abusive practices of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a XXXX Cancellation of Debt form from Chase for tax year 2012. I paid income tax on their write off. However, they are still reporting my account as " charge-off '' and it is still effecting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.

Company response to consumer: Closed
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have just submitted my story. If CFPB can help, my story should be considered as my complaint. Increase of 33.33 percent in period of loan ( 30 to 40 years ) and reduction of rate of interest by 21.54 percent ( from 5.1 to 4.0 percent ) for hardship loan modification is neither justice no fair practice with the customers/homeowners. This credit goes to CHASE, my mortgage financer. I have only XXXX house and it is my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
They sold my account to a collection agency after I disputed charged on my account without verifying the charges.

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 explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.

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 explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Where to start, I had mixed a debit card up with an employee at my office. She needed to get starter checks on her account for personal reasons. She took my card to Chase bank located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. She went to the teller and asked for starter checks. The teller asked for her PIN number, and she put in her PIN number. This was obviously not correct as she had my card. They then proceeded to ask her for her drivers license. She gave that to them and they then withdrew roughly {$40.00} from my account and issued her starter checks with my information. She then left the bank and walked outside, that is when she caught the mistake. She then called me to let me know we had switched cards and the situation. She went back in and gave them the checks and they did the transaction on her account. I would like to know how an employee of a financial institution can ask for a drivers license to check the identity of someone and still not verify that is the account holder. The most painful thing to me is that after this big mix up, the employee who went in with my card was given my card back upon exiting the location!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has caused a number of delays getting the repairs to my home complete. Because of this I have damage to items that are not covered by insurance that would not have been damaged had Chase not caused so many delays. I have sent emails to Chase about this since XXXX and more recently XXXX XXXX. I have asked the executive office to reply to my request on how they plan on handling the items damaged. I know this is my third complaint against Chase but the only way I get any replay is though the complaints I email the executive office every other day and have been about these latest issues but as of today XXXX XXXX still no reply or call from Chase about my problems. 
On XXXX XXXX the legal department finally noted in my file with Chase that the checks can now be issued to myself and contractor and not the estate of XXXX XXXX. I have told Chase that from day one - by them issuing checks in the estate of caused more delays. Chase issued check directly my contractor and I never gave them permission to do so, I only gave them permission to issue the check to my roofer direct because it was urgent to get the roof on. - Why did it take from XXXX XXXX to XXXX XXXX to realize Texas law and to follow Texas law -why did I have to suffer that long and have more damage to my property and personal property because Chase did not know the Texas laws. If they operate in Texas they should know the law and not learn it at customers expense. 

I need to know the following things - I have emailed Chase over 10 times these same questions and have not had one phone call as of today about it or an email reply. 

1 - Exactly what do I need to do do get the rest of the money for repairs- I was told I need to order an inspection at 75 % and then funds would be released after the inspection - is that all I need to do? 

2 -When my current contractor is done what exactly is the next step? 

3 -And what does Chase plan on doing about the items that were damaged by water and mold that are not covered under the policy - the items that were damaged while Chase lost my husbands death certificate and took over a month to send funds to get the repairs started the damaged items caused by Chases negligence not mine!! 

4- Why now on XXXX XXXX is it noted in my file that payments do not have to be in the estate of? 

5- Why did Chase issue Checks only to the contractor when I did not give permission to do so. 

6- In the future when I have questions how long can I expect to get a reply from my executive office contact person - XXXX is my contact but she goes weeks without contacted me about problems and concerns that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX 2015 I was turned down for XXXX and they said try your lender for a refinance. I was already in a XXXX Home Affordable Loan so i applied for another government assistance loan thru the Nationstar, my lender, website. No one contacted me from Nationstar but when i went to pay my XXXX bill it said regular payment and underneath had the trial payment also. i was confused. i called Nationstar but my home number and my cell phone number are controled or activated by Nationstar so it would ring right to my loan officer XXXX XXXX. I left her over XXXX voice messages to this day and i have never spoken with her. i made a full payment XXXX because i didnt want a late charge for under payment i called HUD to help me contact Nationstar and they got thru and we were on a XXXX way call and Nationstar told the HUD agent i was in fact on a trial payment plan til XXXX. I told them i was trying to reach my loan officer because that new payment is way to high for me and my family of XXXX. I have not received any documents or still any phone call from Nationstar. I dont want to wait til the trial ends and than it is to late. Once you refuse a trial payment plan when it is done you can not get another one offered to you. I need a lower payment. i never got to speak with anyone about this new XXXX XXXX loan. Nationstar just put it on my online account. I never spoke to anyone like my assisgned loan agent XXXX. I dont know if there is a better loan they can offer me. i dont know what the loan plan even entails when it is done. I need help.

Company response to consumer: Closed
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My chase checking & savings accounts was closing. When inquired I was never given correct information why the account was close. Even the phone operator hesitated to give then ID & name saying as for the policy. My account was closed with a positive balance which they sent me a cashiers check. 
Now I have a past due balance notice and when inquired what the past due is, they are failing to provide any kind of bill other than the bank statements that I already have. 

I am worried that they will send this to collection and destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Bank took over a credit card account that I had with another company and raised our interest rates by 150 % without our knowledge or written notice. I contacted them about their deceit and the inappropriate raise in our APR and they said that I could pay off the debt but that was the only way to stop the interest accrual but they would not take back the extra interest already added for the previous months which totaled about a {$700.00} dollars. I paid off the account except for the {$700.00} that I felt was a malicious way to increase their bottom line when they had just received a bailout from the government. They kept adding interest to the interest and then sold the debt to another company. I contacted them and told them that this debt was paid and that they were trying to collect on interest charges that were illegally accrued on my account without my knowledge and that Chase bank had kept adding interest to an already balance that was only interest in the first place. They never contacted me again but this has damaged my credit. I am sure that this has happened to many many people and that they paid the extra interest without questioning Chase Banks practices. My credit card account was always paid on time and I had a 9.5 % interest rate when Chase took over they had raised my APR ( without my knowledge ) to 25 % and this all happened after they received their government bailout. I have copies of all my statements and records to back up my claim and when I contact Chase back and asked them to send me a copy of their letter that they stated they had sent to me about the raise in my APR, they mailed my a shrunken copy of their new customer pamphlet that the print was so small you could not even read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am on an income based repayment plan with Navient and it was up for renewal in XX/XX/XXXX. On at least two occasions prior, I contacted Navient concerning this upcoming renewal and was told, as earlier as XX/XX/XXXX or XX/XX/XXXX, that I had to call in XX/XX/XXXX each time. At one point, I was given instructions and a payment that later proved to be incorrect to the point that I could have violated a law following them. I called in XX/XX/XXXX to renew the plan and was chewed out by the representative for not calling sooner. I sent the required paperwork via fax in XX/XX/XXXX to renew the plan. I go on today and see the payment is not income based and they claim that I never sent the paperwork in. Navient believes they can abuse and play games with customers because they have laws that guarantee that customers are forced to pay them no matter what. I am at my wit 's end with Navient and the fact I can not get consistent answers or solutions to whatever I need done concerning my loans. I want to pay them off, but I need the income based plans and I am sick of playing games with them and this " one hand not knowing what the other does ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I disputed an innacurate collection account ( XXXX XXXX ) with Transunion which came back verified. I have sent XXXX XXXX XXXX XXXX a debt validation letter which they received on XXXX XXXX, 2015 XXXX and they chose to ignore many questions in my letter concerning my request for validation. Transunion have come back to me and stated that they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires Transunion to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. If Transunion continues to verify this collection instead of deleting it, I would like for them to send me all information on file pertaining to this account per FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation