vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Unauthorized Inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, I financed a car through XXXX XXXX, who 's financing manager was acting on behalf of Chase Auto Finance. I have an XXXX FICO score and was offered a 3.9 % interest rate for a new auto loan. I asked the finance manager why Chase was advertising lower rates ( 2.49 % ) on their website and he stated I would need to talk to Chase ( after my loan closed ). I contacted Chase as soon as I received my billing information from them and asked why I was n't offered a lower rate, commensurate with my credit score. The agent for Chase could n't answer my question and transferred me to a Chase auto finance manager who informed me that the finance manager at XXXX XXXX ( acting as an agent for Chase XXXX was able to mark up the interest rate to whatever they felt they could " get away '' with. The fact that I could obtain a lower interest rate from Chase for the same term and amount was never disclosed to me. I assumed, as a reasonable consumer, that Chase would offer a competitive loan rate regardless of how it was obtained ( ie. online, branch, or auto dealer ). I feel that Chase Auto Finance and their agent XXXX XXXX engaged in Unfair, Deceptive Act and Abusive Practices by offering the same loan for the same customer at different rates, based upon the acquisition channel and not disclosing as such. I also do not feel that Chase has proper XXXX party oversight for auto financing agents making auto loans on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
In XXXX 2015 I filed chapter XXXX bankruptcy due to medical issues and overwhelming medical bills. Contental finace was included in my chapter XXXX, They have refused to listen that I am in bankruptcy and continue to add illegal fees. I have been harrassed non stop by collection agencys for them who all refuse to even take down my bankruptcy case number or attorney information. On XXXX/XXXX/2015 as i was waiting to go into surgery, at about XXXX MT, I recieved a call from XXXX claiming to be attorneys hired by contential finance as I am in breach of contract. As teh person i spoke with was in no was fammiliar with the laws in regards to bankruptcy and again REFUSED to take my case number or attorneys name. I called him out on not really being an attorney. They became Irrate and refused to even listen to the my rights or the laws. Refusing to take down the information does not make contential finance immune from the automatic stay and does not entitle them to keep trying to collect and add fees that are not legal. they need to stop these clear violations of my rights asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX wife and I received a letter from 3rd party seeking foreclosure on Chase 's behalfI have faxed back to Chase the packet from Chase regarding the mortgage assistance information that was needed. I have faxed said packet this very morning XXXX XXXX, 2015. Within Chase 's letter and communication it states that we have until XXXX XXXX, 2015 to return the paperwork. Let the record show that the packet was returned to this department 17 days before the final date to apply for assistance for our mortgage. 

I have also, faxed to XXXX XXXX a dispute letter to the validity of the debt we are said to owe in their foreclosure letter and threating correspondence received on XXXX XXXX, 2015 stating we owe by today {$130000.00}. 

We are working with a Customer Assistance SpecialistXXXX XXXXDirect Number XXXX ext. XXXXGeneral Number XXXX also, sent check to pay a payment a few months ago and Chase sent it back to us. I have connected via phone with XXXX and and she has informed me that they are not allowed to accept any more payments and the only option we have is to apply for Mortgage Assistance. 
I have also advised XXXX XXXX XXXX. we will only be corresponding with JPMorgan Chase Bank. I also, advised this firm to save this for their records in accordance with the Texas Fair Debt Collection Practices Act. 
The Attorney General in Texas has been suing companies for malpractice due to deceptive practices and the bank billing us for their attorney legal fees or alleged attorney department? Companies who claim to be a collector but misrepresent their firm as a " Law Firm '' who have made these same greeting statements when this was not the case at all. This is a Violation of Texas Deceptive Trade Practices, Consumer Practices Act, and The Texas Debt Collection Act. 
For my own protection to possible deceptive tactics. I have mailed a copy of this letter from XXXX XXXX sent to me and the XXXX they sent to my wife XXXX to the office of The Texas Attorney General to make them aware of their communication. These precautions are necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loan started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX, Capital One ( XXXX accounts ), XXXX XXXX are not reporting my payments. I have attached statements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been charged by a transaction for a lodging service I never received. In terms to solve this issue, I opened a dispute with my Credit card provider, JP Morgan Chase, and followed their instructions. After I provided everything concerning this case, including mailing by post office to Chase the docs that prove I never could make this hotel reservation, Chase has decided to position itself in favor the merchant instead to defend my interests as their client. So Chase has communicated me that they have decided to charge me with this transaction anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Just this past week I received from Chase another statement, dated XXXX/XXXX/16 if you compare it with the other one dated XXXX/XXXX/16 you will see the difference in not only the amount of their monthly payments, but also Chase stating on one of them I am missing payments since XXXX 2016 and the other since XXXX 2016. The math in the minimum payment is nuts! going from {$420.00} -- also wrong including many errors -- to over {$600.00} -- per month. All of my payments are in there records many times!! they are altering the records to push me into fraudulent foreclosure. Someone needs to do the math on all of their records which contradict their own numbers.. Just see these XXXX attached is one of many samples of Chase Banks altering records. I am amidst investigations and Chase is being aggressive towards committing fraud to push me into the streets to take my home in any manner they can before they are exposed for their crimes, and abuses to me. Chase also refuses to pull me out of this FRAUD foreclosure while these investigations are taking place, including the FHFA, FHFA-OIG and etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase issued XXXX notices back in 2013 for some charge off accounts. I attached these forms to my taxes and paid my tax liability on it but they continued reporting the negative information on my report with an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX I received a letter from Chase Bank stating that 'after a recent review of your account, we have decided to end our relationship with you. ' Account to be closed on XXXX XXXX. I have been with Chase for 8 years. Never any overdrafts. Paid off a mortgage thru them and paid off a new vehicle loan. No one can tell me why or what triggered them to close my account. I want a specific reason, not just 'due to a review '. I need to know what they saw on this 'review ' to make this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC
State: KY

Complaint narrative:
They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I set up a billpay account with my chase checking account. I attempted to pay XXXX XXXX XXXX the sum of {$300.00}. I later received a call from a garbage company by a similar name ( XXXX ). They said that they had received an electronic payment and wanted to what it was for. They informed of the amount and I told them that Chase Bank had sent it to them in error. They said they would make an electronic refund. To this date, XXXX XXXX, 2017, Chase Bank has not acknowledged they have received a refund and insist that they sent the payment to XXXX. This is not true. XXXX has not received payment from Chase Bank. I would like Chase Bank to refund {$300.00} to my bank account. I believe the error is theirs, not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am trying to use my credit union 's XXXX solution to send money real-time ( not ACH ) to friends and family. But, all the big banks refuse to accept the transaction real-time. It 's not because their network does n't participate. It 's because they are blocking the real-time ability. My family banks at XXXX, most of my friends have accounts at Chase and they tell me that their bank wo n't allow it because they want other financial institutions to buy their specific XXXX and not use others. I think this is collusion. The top couple large banks are creating a solution that they plan to sell to other smaller banks and credit unions. When you hold such a large percentage of the market, it 's too easy to create these situations that make it difficult for the smaller institutions to perform.

Company response to consumer: Closed with explanation