vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Vehicle financed through Chase XXXX was repossessed with no prior notice. Loan was only 68 days past due with a payment in the mail and received by them the day after it was repossessed. In XXXX XXXX I believed I had made payment change arrangements from XXXX of every month to the XXXX of every month. Apparently it was not accepted and I was never notified. XXXX XXXX - XXXX XXXX I made my monthly payment via my online bank by the XXXX and I confirmed they received by XXXX every month. This apparently put me in collections for XXXX straight mos, missing my due date by 20+ days. No calls were ever made to me and no attempt to look at my history and contact me to either get my date change or request earlier payment was made. I had an online account with them and never received an email or online message. To make matters worse, I did miss my XXXX XXXX payment due to an oversight on my part. Again, XXXX XXXX XXXX payments were made the XXXX. On XXXX XXXX the car was repossessed. No letter, call or notice received to make arrangements or advise of the intent to repo. Once I called them to inquire about the loan the conversation started with amount needed to bring the loan current. Again, no attempt to understand the situation and look at the history to assess true ability to repay and timing of payments. I was prepared to bring the loan current ( approx $ XXXX ) and recover my vehicle. I was eventually asked " how will I be keeping the loan current '' and I had already advised of the oversight on my part and that it was not due to lack of ability to pay. Frustrated I advised " I do n't know how to answer your question '' and that " I will be more careful and pay on time as I never imagined repo was possible ''. I was placed on hold and it was obvious the collector did not like my answer when she came back as she advised that at this time they were going to accelerate the loan balance and require me to payoff the loan in full ( approx. $ XXXX ). A couple calls back and even an escalation request got me nowhere as I was advised the decision was final. I believe this action was taken to an extreme with no evidence of inability to pay. My reason is complete oversight on my part and I in no way deflected responsibility. I never advised I was without work or any other hardship that would indicate the delinquency would persist. I never received any notice to cure or legally required notice. There is no doubt I broke the terms of the contract but I believe Chase took overly aggressive and unjustified action in the interest of taking advantage of the situation. Their predatory action has resulted in additional financial burden and credit reporting damage that I will live with for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i bank at chase bank, on XXXX a transaction was debited to my acct in the amt of XXXX the debit still showed pending on XXXX @ XXXX. chase bank posted the debit, plus charged me a XXXX overdraft fee. my payroll came into my acct at XXXX. this is not the 1st time I 've had this problem with chase bank. they had to reverse some fees in 2015 when they did my acct like this. they post pymts and will back date the date that it posted so they can charge an overdraft fee. this is going to cause my acct to be in the negative once my other bills come into my acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Mortgage was paid off in 2004 by XXXX XXXX XXXX as I refinanced the loan held by XXXX XXXX an affiliate of JP Morgan. XXXX is now out of business. Bof A shows that the money was sent on closing statement, however Chase Bank never released the lien. I have lost the sell of my property ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I was working with a title company, XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX XXXX have gotten no where with Chase. Chase acknowledges that they can not find any account on me or that I owe them any money. I lost the sale because the closing took too long due to Chase dragging their feet. HELP- IAM A XXXX, I NEED TO SELL THIS PROPERTY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX has approved a short sale for a XXXX veteran, the file is in the closing phase with Chase and the Closer XXXX XXXX has been making closing demands that are above and beyond the approval letter and above and beyond XXXX XXXX guidelines. She has caused a great delay in closing this file and appears to be doing everything she can to cause this transaction to fail. I have escilated this issue with Chase Executive offices and they have not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
The Honorable XXXX XXXX XXXX XXXX and Chase Bank - CEO ( TOP MAN ) ; I write in XXXX filing XXXX charging complaint against Chase Bank in XXXX, TX Headquarters - all unresolved new checking, debit, and credit card are all declined that I do not want fill out for XXXX time it will be declined again that I am escalated afraid of declined,. I was not happy with XXXX XXXX in very bad rude against me with unresolved banking issues. I do not allow female worker with me in formal escalated requests. as I am not happy alone fill out in new opening account of debit & checking, and credit card applications. I complain with unresolved with Chase Bank situation bringing up the report to U.S. Senators and Speaker XXXX. I escalated complaint against XXXX XXXX in Chase Bank in XXXX, TX, that she/he hated me as he/she is in bad employee rude against XXXX XXXX XXXX as she/he used bad judge against XXXX XXXX. I am not happy with XXXX XXXX tough periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase debit card was taken from me on XXXX XXXX, 2016 which was used to make unauthorized withdrawals/transactions. I was never informed from chase via phone call that any of this fraud activity was taking place. I recieved XXXX email to confirm the transactions which I was unable to open until it was too late. Once I noticed all of the transactions I called Chase bank immediately, hysterical they were not helpful in anyway. Instead of being giuded in the right direction I was yelled at, and blamed for all of this. I explained I would give whatever proof necessary to prove I was in a different town at work, which they were not interested in. I then went to a chase branch filed XXXX claims, signed paperwork faxed it to them right away. A few days later I recieved an email stating they were giving me a temporary refund of which I would have full access to use while they do their research. Later come to find that this was untrue, I called to verify and I was told Chase was ending their " relationship '' with me and I was not able to touch that money. I again, went to the branch to get clarification because I could not get a straight answer from anyone I spoke to. The teller also got no where with answers, he could only apologize for the misunderstanding. I am a single mother of a XXXX girl and Chase would not allow me to even touch my money that was stolen from me. Chase did not provide me any protection whatsoever. Two weeks later I saw an email stating they were not refunding my money because they had reason to believe these transactions were correct. I asked the supervisor for a valid explanation, which they refused to give me. I told them about the multiple police reports I have about the identity theft situation I am in, I cried to them letting them know I have valid proof and they said " that wo n't be necessary ''. The woman on the phone hung up on me abruptly and I decided to take further action since I am getting no where with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received an XXXX rewards XXXX credit card issued by Chase that i did not request. When i called customer service i could not speak to a person without entering the credit card number. I do n't want this card and refuse to enter the number into their phone system in order to avoid activating the card. 
I can be contacted via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2017 CFPB : JPMChase contractor " XXXX '' took and refuses to return to me my XXXX ( XXXX ) Repurchase Agreement Materials, when JPMChase had acquired XXXX. I had never given permission to XXXX or any of its Successors or Assigns to break into any Homestead of mine and take my XXXX Repurchase Agreement Materials, in Violation of the Illinois Unclaimed Property Act. In connection with my XXXX Repurchase Agreement Materials, I have never waived any legal right of mine to own Property. 
I demand that JPMChase provide me all materials concerning its Contract with " XXXX '', including, but not limited to, true copies of the Contract ( s ), e-mails, telegrams, transcripts of telephone conversations, notes, appointment book pages, etc., in addition to returning all my FNBC Repurchase Agreement Materials. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I signed up for paperless billing, but never received any notification that my credit card statement was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
We did not reaffirm the mortgage of our home when we filed bankruptcy in XX/XX/XXXX. The bankruptcy was XXXX. Several months later, Chase Mortgage began contacting us. After telling them several times it was in a bankruptcy, I found out that Chase had not received the proper paperwork from my lawyer. The lawyer then faxed it to them. However, they continue to call even now in XX/XX/XXXX. Because I am a service member, they can not foreclose and end this. I do n't want a foreclosure on my record in addition to a bankruptcy anyway. I want to begin repairing my credit from the bankruptcy XXXX in XX/XX/XXXX but Chase has not cleared my account. There has also been a change of address to a XXXX entered with Chase by someone, neither me nor my ex-husband. Now, mail sent to that address is being returned to Chase as well. We suspect foul play there. Regardless, within the Chase company, there appears to be poor communication and practices. They are not making an effort to research documents sent to them and clear my account. As a servicemember, I will have to have a security check in the next 2 years ( checked every XXXX ) and an outstanding mortgage debt of this size for this may cause me to lose my security clearance,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I attempted to pay my credit card balance ( {$720.00} ) using the Chase XXXX app on Friday, XX/XX/XXXX. The first time I did so, the payment failed and the app told me to try again. I waited about 10 minutes, made the payment again, and it went through fine. However, I now have XXXX account transfers for {$720.00} out of my checking account. The payment has only been credited to my credit card account once, but I 'm out an extra {$720.00} ( I 've paid twice ) on my checking account. The first failed payment was still taken out of my checking account. 

I 've called Chase twice so far, and all they 've told me to do is wait until the " pending payment '' is rejected and credited back to my checking account. Apparently, the first failed payment was rejected and needs time to process. I was told to wait until XX/XX/XXXX for it to be returned to me. However, the payment is not pending from my checking account, it was already debited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
While buying a used vehicle for about {$8500.00} with a {$500.00} trade in and no money down the dealer came up with a contract financing with Westlake financial services. After they took my old vehicle and fixing a few thing on my new XXXX the salesman has me sign the financial paperwork that I agreed to as far as 9.9 % interest rate. As I looked through the paperwork I see a {$1500.00} banking fee added on to the loan total which ended up around {$12000.00}. I asked the salesman what it was and he answered it was normal. I did not like it at the time but I was in a position where it was to late to back out of the deal. So I signed. As I thought about it that banking fee seemed like a crooked way for a bank to not only get more money out of me and charge me interest in top of it. This deal took place in the spring of XXXX. I have since traded that vehicle for a different better vehicle in XXXX at a different dealership and asked them if they ever heard of a banking fee like that and their answer was it did n't sound legal to them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have freedom credit card from chase for more then half year and they told that I can increase limit on the card today I spoke with custome care represent XXXX even and he told me after 1 hour verification that congratulation your line encrees from XXXX to XXXX when I call back in one hour to check balance nothing happen nobody did anything. Our conversation was recordet and I need. Help to request this tape to prove that they promise and did n't deliver

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Continue case # XXXX, CHASE has admitted that on XXXX/XXXX/XXXX I requested a stop-payment to XXXX. I meant I requested CHASE to stop all payments to XXXX from XXXX/XXXX/XXXX on and to the future because I had a dispute with XXXX on their services, and CHASE 's representative at that time had clearly promised me that she would not accept any charges from XXXX. I am totally against CHASE 's newest statements responsed to CFPB on XXXX/XXXX/XXXX that stated " the representative informed you that because no transactions had previously been made with XXXX XXXX, we could not place a stop-payment for them on your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase is holding my {$5800.00} business check deposit for 13 days. That is absurd.

Company response to consumer: Closed with explanation