vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank charged back a credit for for a disputed claim against a company that took {$300.00} out of my account without my permission. According to their own rules and regulations it states that I have 60 days to report these disputed claims. 
This one was dated XXXX/XXXX/2016 XXXX web id XXXX with I did not get my statement until XXXX/XXXX/2016 which is within the 60 days notice that they require. The second was dated XXXX/XXXX/2016 XXXX web id XXXX and that statement was made available to me on XXXX/XXXX/2016 clearly within the 60 days notice that is required. The third was made on XXXX/XXXX/2016 which I did not know about unitl I had callled in to file on the other ones on XXXX/XXXX/2016 which was clearly within the 60 days. Chase needs to do the right thing and credit my account back. {$210.00}. that they have charged me because the also charge me extended overdraft that they clearly told me that they were not going to charge because of the dispute. I was going by what the claims representative informed me on the date of my claim. The Chase rep told me that I was within the 60 days and that there would be not problem now they are saying I owe back the money. Chase should not have credited me the money until they checked out my claim. But according to the rules and regulations it states the I have 60 days from when my statement is available to me to file a claim and all XXXX claims were within the 60 days of receiving my statements. I have also learned that Chase is charging me an account fee which they should not be charging me because when I opened up the account I was informed that as long as I have direct deposit, I would not be charged an account fee. So they owe over {$200.00} for that charges.

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

Complaint narrative:
I have been a Chase customer since they bought WAMU, so 8 years now. They just closed my account with no notice and no notification. I have money in it. I do n't understand what is happening. I want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Debt was settled in dispute resolution and I have copy of signed settlement agreement and both the cleared personal checks that were used to pay full settlement agreement amount and the lawsuit was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ). 
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2016 I received a letter from JPMorgan Chase Bank N.A . ( Chase ) stating that servicing of my mortgage loan will be transfer to XXXX XXXX XXXX effective XX/XX/2016. This was only a few days notice, not the 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our home loan belonged to XXXX and was sold XXXX bank, who then sold us to Deutsche bank out of La. We have been trying to do a loan modification for the last 5 years. They have lost our paperwork and or did n't send in the right stuff when it was all listed what they need. So I want to file a complaint on them to see they are wrongfully foreclosing on us. The foreclosure sale date is supposed to XXXX XXXX 2016. So I need to get this expedited if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went on a leisure trip to XXXX XXXX, XXXX in late XXXX / early XXXX. On XXXX XXXX, I was in need of cash and proceeded to a nearby atm. The bank happened to be XXXX. I tried XXXX different machines at the atm unsuccessfully and just had a friend spot me cash for the night. Upon my return to the United States, I noticed that the XXXX attempted atm transactions had cleared and registered as shopping transactions at a clothing retail store in XXXX XXXX. I had not done any kind of shopping let alone stepped foot in a retail store. I called JP Morgan Chase and filed a fraud complaint on XXXX XXXX. I was given a temporary credit of {$430.00} pending the outcome of the transaction. 
On XXXX XXXX, I received a letter in the mail from Chase that the credit had been reversed because they could not verify any incidence of fraud on the account because my debit card had chip and PIN protection and could not ever be breached. I called the fraud claims department and was basically told the same thing. To add insult to injury, the claims specialist said I had to have known about the debit card transactions for them to have taken place and that the case would be permanently closed. 
Upon my own personal investigation and just typing " chip card fraud XXXX XXXX '' in XXXX search, the very first link was to XXXX in which other travelers like myself had the same experience, under a term called " Skimming ''. Basically, something might have been attached to the machine that took all my information, despite claims by Chase that the card could never be cloned. 
This shows gross incompetence and negligence on the part of Chase, as there have been articles in major national publications and consumer finance websites that Skimming has been on the rise despite the introduction of chip and PIN cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We received an advertisement by US. mail from Chase Bank informing us of a lower interest rate and lower monthly mortgage payment. The year was either XXXX or XXXX, I 'm not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
For the XXXX month in a row I was billed a late fee. I feel it is the banks falt and they have changed their rules to cause late fees. Chase no longer excepts online bill pay. I believe they have done this to save a penny end increase late fees etc. They will not email me will not email me when the bill is due, and they failed to send out the alerts as I signed up for, and failed to the research to see if they were sent. The bill was paid the day after the due date when I was notified, all bill are paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers

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

Complaint narrative:
On XXXX XXXX, XXXX I became aware that I am a victim of identity theft. I have since contacted all three credit reporting companies ; XXXX, XXXX and XXXX to dispute information reported to them and I have also filed individual complaints to the individual creditors accordingly. XXXX of these tradelines/accounts that I have disputed was with Chase for an auto loan ( Partial loan # : XXXX ) to which I have disputed as not mine and or fraudulent. Prior to yesterday, it was an auto loan that was opened in or around XXXX XXXX, and then paid off in XXXX XXXX. Also, up until today it reported as at least reported as a paid in full with satisfactory pay history with an opening balance of {$22000.00}. Where as of today not only is this account still reporting on my credit, but it has since been updated by Chase as an account that was in fact not paid on time with the following late pay history reporting ; ( XXXX XXXX - XXXX XXXX as 30,60,90 & 120 days late ) with a credit limit of {$1000.00}. It also shows this account as first reported in XXXX. 

First off, all of this information is now even more wrong than it was before when I contacted them directly and disputed this entire account from the beginning on XXXX XXXX, XXXX. At this juncture, I would challenge Chase to verify that this account was even mine to begin with. At least prior to my disputing this, it was reporting as a satisfactory and paid in full account and now all of this information has changed. This is a violation of the FCRA on so many levels.

Company response to consumer: Closed with explanation