vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am user of chase freedom credit card. However, Chase put my account under security review for no reason. Worse still, when I called the customer service, I got transferred to different departments and being asked same personal questions over and over. They keep promising me I would receive a phone call within 24 to 48 hours. However,5 days has past and I got nothing. I volunteer to call chase yesterday and talked to a representative, answering all the security questions. Finally, she told me my account is clear and available to use again. Today, I called the customer service and was told that the account is under security review again. XXXX Everyone 's time is valuable. Chase is inefficient and chaotic, which waists my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.

Company response to consumer: Closed
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
. I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed on my credit report today that there are XXXX new Chase inquiries. So far, I do n't see any new account and I want to make sure Chase does n't open or close the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a checking account with Chase Bank. The account was closed by them after I deposited a check through there online app. the check never cleared and they are now trying to charge me for this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Still NOT resolved. 
XXXXCompany reviewIn progressXX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
School : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. 
I have multiple private student loans with JPMorgan Chase. Approximately a year before this incident, I received notification that servicing of these loans was being transitioned over to XXXX XXXX XXXX ( XXXX ). XXXX of these loans came due in XXXX. XXXX sent a notification of the loan coming due via email on XXXX XXXX. I called on XXXX XXXX to ask about deferment/forbearance options. XXXX sent me a form for forbearance that was the wrong form ( it did not apply to my situation in the slightest ). At this time, I became busy with many other things ( I an an XXXX working XXXX hours a week and I have XXXX other student loans I 'm following ) and forgot to call back regarding the form. 

XXXX sent no additional notifications that the loan was due, past due or about to default - I received no calls, emails or mailings regarding this. ( With every other loan servicer I have ever had, I have received multiple calls, emails, and/or mailings warning me of past-due accounts. ) On XXXX, the loan apparently defaulted and was sent back to Chase for servicing. I received a 'notice of acceleration ' from Chase stating the following : '' You are in default of your student loan contract. We previously advised you to cure the default [ in fact, neither they nor XXXX 'advised ' of anything - I received no notifications/warnings whatsoever regarding a past-due account or default, only receiving an email from XXXX on XXXX XXXX stating that the loan was coming due ] and you have not done so. '' They go on further to state that the entire balance of {$33000.00} is being 'accelerated ' and is now due. 

This default *did not* occur because I do n't have the money to pay on this account - I can easily make the original $ XXXX monthly payments and told Chase that I would be happy to make these when I called regarding this 'acceleration '. They refused to accept the monthly payments and are demanding the full balance be paid now. 

Out of the XXXX student loan accounts I have, this is the only one that is past due or in default. I simply want to be able to make the original monthly payments on it.

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

Complaint narrative:
Twice I, a New York state citizen and resident, have attempted to make a purchase at a XXXX website called XXXX XXXX, and though the sum was not large, about {$400.00}, my bank, JP Morgan Chase, at least the first time and possibly the second, blocked the transaction, which in effect killed the transaction, as XXXX XXXX was apparently not informed by the bank that I had confirmed the legitimacy of the transaction. In any event, their software eliminates the billing information I provided as the result of the interdiction. Certainly Chase has a right and an interest in combating fraud. But I am troubled by the idea that a given transaction, simply because it is international, is assumed to be fraudulent and denied, and only then investigated. I daresay that many XXXX of dollars a day in such transactions are thwarted by this policy and practice, which is probably not limited to Chase. I had thought our government, via various treaties, etc., was committed to free trade. I myself have had to go to great lengths to get the order reinstated, and it remains to be seen whether it goes through. I would also mention that Chase 's recorded confirming call arrived at XXXX awakening me, a retired person. I believe such calls should be confined to standard working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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:
On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
When I log into the Chase Sapphire Visa website, the total " Pending Charges '' amount displayed is inaccurate. If you add up the itemized pending charges, they total more than the " Pending Charges '' amount displayed by Chase. For example, on XX/XX/XXXX, the web site displayed my total " Pending Charges '' as {$730.00} but the itemized charges listed below that number actually total {$1700.00}. Please see attached screen shot. I contacted Chase about this issue at XXXX on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with explanation