vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recently had both my accounts put on resticted use because of a bad check, I spoke to someone in the bank and they said there is nothing they can do and my accounts are going to close in 10 Business days and I have a pending direct Deposit they do n't allow and they keep giving me runaround stories saying it will be available and another representative said I ca n't get access because the account is resticted I do not understand why I can not get it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX WAMU Loan HolderFDIC Employee Quits and Goes Public With Complaint Against Chase, WAMU, XXXX and XXXX law firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My creditor matured my car title loan 8 months before true maturity of my loan and had no choice but to refinance my loan i was told to send paper work back as soon as possible so they could help me. According to them I still owe them most of my original loan amount. I truly believe that something is very wrong and I would like some help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Regarding FHA Loan of XXXX XXXX XXXX # XXXX, we are requesting a Federal Adjudication on the matter suggested issues and the legitimacy of their documentation presented and failure to supervise. From previously submitted letters and the many infractions that JP Morgan has committed, this letter is intended to respond to the letter dated XXXX XXXX, 2016 merely enumerate the instances that involves, specifically a failure to supervise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My vehicle was repossessed on XXXX/XXXX/2016 for paying a partial payment of {$200.00} on my car note. I intended to pay the remainder of the {$380.00} note which is {$180.00} on XXXX but my vehicle was taken for being 15 days past due. To my knowledge a repossession notice is sent prior to repossessing a vehicle. I inquired on the date the letter was sent and was advised it was sent on XXXX with a cure date of XXXX. I also paid XXXX 's payment late, which was on XXXX the day I received the intent notice. So I am no longer bothered by the vehicle being repossessed for being 2 weeks late. Now I am being called 3 times a day from Westlake Financial to recover the vehicle. They tacked on fees and are willing to put the fees on the end of the loan if I pay the {$180.00} for XXXX and also pay XXXX payment. They are also willing to add XXXX payment to the end of the loan. The representative would not answer as to why was n't I given assistance to avoid the repossession versus being called daily to recover the vehicle. So I looked at blogs dedicated to Westlake Financials practices and this in a way for them to make extra money. They repossess cars for being less than 30 days past due then offer assistance to recover the vehicle. The assistance extends the loan and generates more interest. I have repeatedly asked Westlake to discontinue contact as they have the property but they refuse. They are already charging 27 % interest and late fees I do not understand the purpose of taking a vehicle then charging to get it back, and harassing you if you do n't get it back. I have been repeatedly threatened by representatives of Westlake Financial on the outcome of not recovering the vehicle as to make me recover the vehicle so I can always worry every night that when I wake up will my car be there. Please assist with the constant phone harassment and the outcome of repossessing a vehicle without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
When I originally submitted a application for a credit card at Chase Bank a few years ago, they gave me a range of interest rates that I could potentially qualify for. Then when they started my account, they gave me a rate well above the minimum. After several years of on time payments, I have requested a reduction in my rate. Now they are saying that my program never had a lower rate, and that I got the lowest rate available. I believe they are being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a phone call on XX/XX/2015 at XXXX XXXX from a case worker wanting to serve me papers named XXXX XXXX. He said it was from XXXX ( XXXX and XXXX ) at XXXX with a case # of XXXX in the California Court system. He also call me on XXXX at XXXX XXXX again saying I did not call the # he gave me. 

I called XXXX on XX/XX/2015 at XXXX XXXX and the person on the other end said it was from a Providian credit card debt and they were going to serve me court papers to start the collection process. 
He also said they were going to put liens on my home loan and auto loans if I did not work with them. 

This is an old non collectible debt the has past its statute of limitations over 4 years ago. 

When I explained that I understood my legal rights and the statute of limitations on old debts he got quite. 
I also stated that I did not believe that this was a legitimate case and that this was all untrue. 
He immediately got off the phone and hung up on me. 

All of these conversations were calm and collected in a professional manner. No threatening or rude behavior from either of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have received XXXX credit card refusals over a 3 month period from Chase Bank for an Amazon.com Visa Signature card. I did not make these requests. I do not believe this is a case of attempted identity theft as all the refusals are coming to my home address which has a secure USPS mailbox with a lock requiring a special key. I do not put personal information on my computer and burn all paperwork that may have personal information on it. I suspect this may be a case of robo filing by Amazon or Chase. This has been negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THERE HAS BEEN SOME UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT.I WOULD NEED TO GET A NEW DEBIT CARD, BECAUSE SOMEONE HAS MY CARD.THE WITHDRAWAL WAS FOR XXXX TWICE AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Back during XXXX XXXX, I received a refund check in the amount of {$170.00} from Chase Mortgage ( dated XXXX XXXX, XXXX ), for a Corporate Advance Fee. Since the letter offered no explanation as to how or why they imposed this fee, I went back over all my mortgage statements dating back to XXXX ( original loan ). I found that these charges were applied beginning in XXXX XXXX, and currently continues without further explanation. Chase has not responded to my initial inquiry ( XXXX XXXX, XXXX ) letter. It is now 90+ plus days and I have not gotten an explanation. If the XXXX XXXX XXXX should n't have been applied to begin with, then why is it still being reflected on my monthly statements? I also feel that the {$170.00} is an incorrect amount because this issue dates back over a 6 year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a Chase Premier Plus Military checking account that has occurred unwarranted overdraft fees. I maintain that I am not responsible for these fees because ; 1. I had opted out of Chase 's overdraft protection service prior to the overdraft occurrences, and, 2. Chase had suspended my ability to log on to my online account and/or complete an account balance inquiry over the telephone. I have contacted Chase Bank several times to request that the fees be credited back to my account. Each of my requests has been denied, therefore I turn to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX/XXXX/2015 I went to use my debit card and it was shut off. I contacted Chase and they told me it was shut off because I was sent a new card in XXXX of this year. I had never received this card, so they said they would send me another card and I should receive it within 5 days. I was told that my old debit card would not be turned back on ; translation - I can not access my money until the card comes. I was able to get the old card turned back on for a few moments in order to empty my account so that I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!

Company response to consumer: Closed
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for & was told {$500.00} is required to start the apllication process for a mortage through Chase Bank. I paid the {$500.00} & called back to start the process after gathering my documents for submission, due to questions before mailing my documents & was told, I have to find a property before being approved. How do I know what price range to shop in? That is NOT what was conveyed when my {$500.00} taken. This mortgage is contingent upon me selling my home, which is currently on the market. When I purchased my first home, I did not have to pay an application fee. My mother has had XXXX XXXX & is now living with me which is reason prompting a search for a larger home. Her accounts are also through CHASE & at this time, we are discussing gradually closing our accounts. I specifically recapped that once I paid the {$500.00} that we can move forward, and was told yes. I am VERY dessatisfied with this process & would like answers. I will also file complaints with the other relative agencies as well. I was discouraged from sending my documents in & in fact, was stopped from compleing my sentence.Thank you for taking the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to access my account through my mobile bank app this morning at XXXX and I was n't not able to log in. I tried several times before I called the customer service # on the back of my card ( XXXX ) at XXXX. I was then told by the rep that my liquid account had been closed since XX/XX/XXXX and that I had a zero balance and it was because there was n't any activity on the account since XX/XX/2016. I informed her that I just set up direct deposit through my employer on XX/XX/XXXX and that I WAS NOT AWARE that they closed the account and asked her why did n't I receive and email or letter? The rep then told me that Chase does NOT notify you until 5-7 business days after that the account has been closed. I then went to branch location around XXXX to see if they could re-open my account so I could access the funds today and I was told that I would have to open a new account. The teller also confirmed that the funds were not pending but he was able to see that {$940.00} was suppose to be deposited. I then spoke to my employer who said that the funds are with Chase and that they have to release them back to the company in order for me to get paid. So I called the customer service # again with my employer and myself on the line and they told me that it would take 2-3 business days for me to have access to the funds if they were released back to the company or if I wanted to open another account with Chase and deposit the funds from my old acocunt to the new account. 
I 'm extremely frustrated due to the fact that I was NOT informed on XX/XX/XXXX or XX/XX/XXXX that the account was closed or would be closed for any reason. Had I not called, I would n't have known and that to me is highly unprofessional and shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has no allow me to recover XXXX dollars that where transfer by a mistake to a wrong person, they told me that they ca n't recover my money they where alert the same second I receive the notification

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX, illicit and illegal direct deposit of monies. 
XXXX XXXX XXXX Ohio XXXX ( XXXX XXXX Illinois XXXX )

Company response to consumer: Closed with explanation