vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: WA

Complaint narrative:
I received a confirmation from XXXX on XXXX XXXX, 2016 that all lines on my account were disconnected, and had a zero balance due. 

On XXXX XXXX, 2016, I received communication that I owed {$290.00} on my account, as there was a line of service still open and it had been accruing monthly charges. 

I told them that this debt should not be my debt, as when I received the communication on XXXX XXXX, 2016, I had taken that to mean that all of my accounts were closed. 

When I tried to clear it up with XXXX, they would not waive the fee, even though this was their mistake, and even though I had never actually used the line of service ( it was opened, and placed on hold, which is why, when I received the communication on XXXX XXXX, I had assumed it had been closed due to never being used ) Since then, they have sent the bill to debt collection, and now debt collection has reported to the XXXX credit reporting agencies, which has dropped my credit score from a XXXX as of XXXX 2016 to a XXXX as of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: DE

Complaint narrative:
Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
On XXXX XXXX of XXXX, my business partner and I purchased a XXXX XXXX XXXX XXXX from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen 1, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen 2 offers to purchase the XXXX XXXX XXXX from Gentlemen 1 and submits payment to Gentlemen 1 in the form of a check, what type of check we do not know. Gentlemen 1 then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. The premature lien release from CHASE BANK allowed the second gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX XXXX XXXX. The premature lien release from CHASE BANK allows the second gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I booked an overseas trip online for me & my wife on XX/XX/XXXX with XXXX XXXX. I requested Business Class upgrade ( from economy plus ) for the return trip. We were put in a non-guaranteed waiting list for the upgrade request. I did not expect XXXX XXXX to charge my XXXX XXXX XXXX XXXX credit card the upgrade cost ( {$1200.00} ) since the upgrade was not guaranteed and the return flight is not until XX/XX/XXXX. However, they did charge my credit card for this amount on XX/XX/XXXX - more than 2 months in advance. I called XXXX XXXX to complain about the charge but was informed it 's company policy to charge customers ( in advance ) for non-guaranteed upgrade requests. And they further stated that if I did not get the upgrade, they will refund me the funds. I believe this policy of XXXX XXXX is quite unfair to customers. They take your money for over 2 months without guarantee for the upgrade - meantime, the customer will have to pay the credit card finance charge if the said amount is not paid in full. I therefore request your agency put pressure on XXXX XXXX to stop this unfair policy. Thank you for your immediate response and assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX problems have occured 1. Chase received my XX/XX/XXXX mortagage about XX/XX/XXXX. There was an error in processessing my check and Chase stated that my check was NSF, in reality it had never been processed by my credit union. Chase was promptly notified of this error by me on XX/XX/XXXX. The error was not corrected until XX/XX/XXXX timeframe after I had submitted a copy of the issued check. Chase reported this to the credit bureaus even though I had nothing to do with the check processing error. 
2. This account was current after XX/XX/XXXX after my XX/XX/XXXX mortagage payment ( cleared XX/XX/XXXX ) and XX/XX/XXXX mortgage ( cleared XX/XX/XXXX ) I pulled my credit report on XX/XX/XXXX and the credit report stated that {$3400.00} was past due as of XX/XX/XXXX. 
Both items listed above were caused by Chase Mortagage and my credit it being negatively impacted by their processing errors. In addition Chase is reporting erroreous information to the credit bureaus since this account was brought current on XX/XX/XXXX. To this date XX/XX/XXXX, the credit bureaus continue to indicate a past due balance of {$3400.00} as a result of Chase 's errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My husband and I have applied for a mortgage and got it funded at the end of the year 2004 with Chase Home Financing. Because our first mortgage with Chase I had problems with the amortization that I believed it was incorrect, I started collecting every data of regular payments and extra payments made with the new loan. So, I was able to discover that on or before the XXXX TH payment, there was a difference of XXXX payment missing from the beginning. After deciding that an attorney would not get a case for around {$150000.00}, I called Chase and told the representative that I was sure XXXX payment was missing from the very first payment. Also I said I had the proof of that first payment made for the first month because that had happen to me on our first mortgage with Chase 9 years before. 
Then, the associate ask me for a moment and came back to tell me that I was right and they were adding that missing payment. That was the most unbelievable thing that I had ever heard. So simple, so direct ... They did not compensate me for the almost XXXX months that I was making payment a month earlier than I should. Unfortunately, I believe that it has also happened and still happens with many people that do not have time to check their XXXX payments that used to be due before a regular statement being received by the borrower. 
A month ago I refinanced my mortgage and got rid off of almost all the papers, by I still have the mortgage account #, and remember that Chase had corrrect that missing payment between the XXXX and XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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 went to the Chase Location XXXX XXXX XXXX, XXXXXXXX XXXX. XXXX off this Location needs new management, there is always only 1 teller open with more then 6 employees on location and when you look behind the glass there is 3-4 employees in the back not helping customers. open 1 more window service will go faster not 30-50 minute waits. Anyways on Thursday XXXX/XXXX/XXXX I went to this Location and waited almost 40 minutes just to purchase checks which I need to submit to a credit card. I advised this to the teller, I was never informed the checks will have that locations routing number and not my routing number ( my bank account was opened in XXXX XXXX routing number XXXX I was given a XXXX Routing number XXXX ). I was then rushed away due to the fact that since she was the only teller open they bank was already closed with 3 customers still behind me. I returned to the location Saturday XXXX/XXXX/XXXX as per informed by customer service if I went and told the location to have checks reprinted with the correct routing number they could do it for me. I was directed to the manager ( not helpful at all useless ). and was told " all we do is temporary checks which contain the locations routing number '' I explained the situation and asked for my {$2.00} back ( I will not pay for a service which is incorrect and done wrong ) and was told " I can not search transactions that far back you will have to call the XXXX number and they will give you the fee back '' ( transaction is only 2 days old how can you not search transactions that far back? ). I called the XXXX number and was denied the fee back. The point is not the {$2.00} the point is paying for a service which is done incorrectly and then being stolen from ( the way I see it ). If JP Morgan Chase wants to keep their {$2.00} they can but they have lost a customer of almost 8 years since XXXX. ( left and came back and had an account closed and reopened due to Fraud ). I have never been so unhappy with an institution ( I started having problems with chase in the past 6-12 months not sure what they changed but I am not the only unhappy customer ). This is my second complaint to Consumer Protections for JP Morgan Chase and will be my last as per they have lost my business. I suggest this institution be investigated and whatever possible to stop stealing from its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had different chase accounts for some time now without any issues and always paid my bills on time. Recently I received a notification via a third party app I use that my credit lines were decreased on both of my chase cards. I thought the notification was an error so I logged on and noticed that my limit was reduced just XXXX or so dollars above my balance. This has caused my fico score to crash and my utilization to sky rocket hurting me for no apparent reason. I once again have been late or exceeded my limit but I was punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I made arrangement with Chase Bank to make monthly payments of {$180.00} on a close account from XX/XX/XXXX to XX/XX/XXXX. During that period of time, Chase Bank reported that my payments were 90 days past due until the balance was paid off. Chase Bank has refused to remove the 90 days past due notice on my credit bureau reports. I feel that Chase Bank is unfairly punishing me although I upheld my end of the contractual agreement.

Company response to consumer: Closed with explanation