vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had various checking accounts and a Mortgage through Chase Bank. Going back many years but also just in the last few days I have been a victim of them generating as many Insufficient Funds fees as possible by processing checks and other transactions not in the order they present to the bank but always, always starting with the largest XXXX first and then in order of descending amounts to charge the greatest number of {$34.00} fees. I have also had both a check and a direct deposit occur on the same night several times including once within the past 30 days and on these occasions they list the check as presenting before midnight and the deposit afterwards and again hit me with a {$34.00} fee. I am a XXXX and live off an income of only {$730.00} per month plus some food stamps. In the past 31 days they have taken {$130.00} from me using this method of maximizing fines. On a good month, I can barely survive if, and only if, there are n't any extra or unexpected bills. My XXXX XXXX XXXX car needs many repairs. And chase Bank is robbing me XXXX!!! I do n't know what to do. Their practice targets the poor most of all and if not illegal is definitely unethical. I will be closing that account as soon as possible and shopping for a new bank. But I do n't have enough money to survive the month having lost {$130.00} to them in 31 days and starting this month with negative - {$98.00} in the bank. Is it legal for them to process both a deposit and a check in the same night but to do the check first and charge {$34.00} when the money was there to cover it? Is it legal for them to gouge poor customers by always processing checks in descending order to maximize fines? Is there anything you can do to help me get some of it back? 

Just FYI, we also used to have a mortgage through them but when we got behind and tried to catch up they did everything possible to foreclose and evict us. The legal fees we incurred ( while I was still married ) was enough to enough to buy a car. Chase is a truly malevolent and greedy institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: PA

Complaint narrative:
I had some one that has use my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
chase bank has continued to send me letters, stating XXXX that I do not owe, it has been sent to a collection agency, I have been told that I will not be able to have any other bank available to me. unless this debt is taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 'm not sure this is your issue to handle as there is no category for it ... 
XXXX XXXX XXXX has been over-charging me monthly since XXXX, 2015 by up to {$100.00} a month. I call a representative a couple of times every month to get the issue resolved and, while they are very helpful, the information seems to go nowhere and I have to deal with the same problem monthly. I am told that it 's their error and my account will be refunded but I am still waiting for the Errors to be corrected. I will submit documentation once you tell me this is an issue you with which you can help. My XXXX XXXX XXXX fees are deducted from my credit card ... I would call the credit card company and dispute it but I do n't want my phone service stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though, I was somewhat relying on the police to find the fingerprints, and catch whomever it was. 
The trouble began on my very first call XXXX XXXX, to report the fraud, the representative only took XXXX item down, to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation, and then paperwork to fill out. 3 days went by, and only XXXX credit was applied, and spent several hours with several reps, adding the additional money transfers one by one. They ( for some reason ) created a case for each item. 
I complied with their request for information, and the forms signed. I was issued a credit, later to find out, that there were still fraud transactions being processed through my account, from the same company. I called to notify them, and an agent in the disputes department, " XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in, she stated she did not care, she was reversing every credit previously applied. I asked her why? It seemed very personal, she became angry, short, and rude, and told me she believed I did the transactions. It was a complete nightmare, of chaos, disorganization, and mistakes from representatives from then on, until my account was closed, without notice, because I told them they were violating the Fair billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Situation : Opened a dispute with Chase regarding partial transaction of service missed from XXXX XXXX. Chase rebilled partial charge credit back to my account on XXXX XXXX claiming merchant will not offer refund to Chase because they claim I did not miss out on any of the transaction, which is untrue. Story below. 
We missed our XXXX flight on XXXX XXXX due to the airlines could not locate our seats, they told us we had not paid the merchant, because the merchant had not issued us seats. I spent 4 hours that morning on the phone getting our original ticket numbers and once the airlines looked it up, they said there was a system connectivity issue. They said they notified the merchant after XXXX XXXX multiple times to issue us new seats because XXXX and XXXX had merged, but XXXX XXXX never issued new tickets. XXXX blamed the airlines saying they did issue new tickets, but that the airlines had not re-issued us new seats. In the meantime, we did go to the XXXX Gate because the flight info had updated, but we could not see behind the scenes that we had no seat assigned due to system failure. Neither the airlines nor the merchant would accept responsibility, and kept blaming XXXX another. We missed the first full 24 hours of our all-inclusive vacation at our resort due to this issue, and I had to pay for a hotel for our layover in NC that evening, and all extra food expenses, which were a result of missing our flight. As a consumer, I did n't receive the full product of my purchase and I am asking for a partial credit in return for missing part of my vacation, along with additional incurred expenses. I should be protected by my credit card company to help make this right. I knew going into this dispute that XXXX XXXX would not take ownership for the " system mishap '' as neither did the airlines. This is why I turned to Chase to help give me a partial refund due to missing part of my vacation and having to pay for food and hotel in North Carolina. Chase decided they would not help me for this transaction. They were negligent in their part to protect me and offer the credit for the portion of service I did not receive by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2015, I initiated a stop payment with J.P. Morgan Chase on my checking account for any transactions from XXXX Cash. On XXXX XXXX, 2015, XXXX Cash presented an ACH Debit Card transaction for {$180.00} which J.P. Morgan Chase Bank paid. I disputed this with J.P. Morgan Chase citing the stop payment I had initiated on XXXX/XXXX/2015. They investigated the matter and concluded that the transaction was appropriate and are now charging me for the {$180.00} that they paid when they should not have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I did file a complaint in XXXX with your office. It was registered as XXXX number : XXXX. The response from the bank was not satisfactory, but life is too short to fight for one 's right. I paid for the late payment charges on my credit cards due to account closure and took necessary steps to be able to pay future bills. If Chase wanted to close our account, even on erroneous pretext, so be it. There are many other banks in the US and in the world. But after over 40 years of having our account, our mortgage they erased our account history which was now electronic. They stated in their response to you that they were sending the past five years by USPS. Another twist of thr truth. Three months later it has not arrived and USPS tracking says : " Tracking Number : XXXX Not FOUND ''. How do I find the data to file my taxes? 
This is just to set the record straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Slate Credit Card - XXXX, paper billing stopped in XXXX, XXXX, and XXXX of this year. During this time I did not receive any communication from Chase either by paper, telephone or email. I did not remember how much I was paying and did forward a check for {$80.00}. I contacted Chase to ascertain what had happened. Chase stated that I had changed form paper to email, however I did not receive any emails. Chase went on to state the reason for not contacting me was that a system generated cease and desist was placed on the account in 2010. Chase then reported this to credit bureaus which caused me to lose out on a new employment opportunity. I voluntarily approached Chase and agreed to an {$81.00} per month payment plan. But not for the cease and desist, this would have have never happened. At no time did i convert monthly statements from paper to email, this was mischief. I ask that this negative information be removed from my credit file and allow me to finish out my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Mortgage bought my 5 year old loan, did not pay my homeowners insurance, sent a letter 2 days before it is expiring say they will buy a more expensive one for me. I have not changed my home owners insurance, they have an escrow account, and they should pay for it or close the escrow account and let me pay for it.

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

Complaint narrative:
This starts back about 7 years ago. I had acquired several rental properties at XXXX time. I received XXXX loans from Chase and XXXX from XXXX XXXX. As of today I have XXXX rental and my primary residence because the rentals have either foreclosed or were taken into short sells. I have been asking Chase for the last 6 years to help me. I have sent it modification apps, I 've shown them all the information they want and every year they come back to me with a denial and say the only options I now have are ; deed in lieu, short sale, pay $ XXXX in back money and we can start fresh. If I had all that money I would have sent it in. Since they have never even offered a settlement on the back money it has grown from $ XXXX to $ XXXX over the years. I am again appealing the denial and never, ever does anyone want to help me. I have shown hardship after hardship letter. I can afford the mortgage if the back money was not hanging over my head. Every bank says they want to help you stay in your home but do n't believe them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My private student loan is currently being serviced by XXXX XXXX XXXX. I called to defer my payments for the amount of time that I expect to be on maternity leave but I was denied because I do n't meet Chase 's requirements for deferment. And that my reason for applying ( XXXX ) was not a temporary situation. When I asked what the requirement guidelines are, I was told that Chase was under no obligation to provide that information to me. I tried to work with them but now I am afraid that I will have no option but to default on my loans while I am on unpaid maternity leave. I do n't want to receive collection calls while caring for a newborn, that will only add to my XXXX.

Company response to consumer: Closed with explanation