vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A Payment for XXXX for XXXX XXXX was denied for insufficient funds from Chase Bank. A DD from SSD was scheduled for XXXX, and payment was made late on XXXX. 
As of today balance of {$390.00} from a {$580.00} DD. Purchases and payments do n't add up. Chase bank is stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC
State: PA

Complaint narrative:
Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mid-America Accounts Control Bureau, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I submitted a Deed in Lieu to JPMorgan Chase Bank , N.A . in 2011. It was received and accepted by the lender but never processed. To this day, I am still receiving notices from XXXX XXXX XXXX XXXX about assessment fees. This issue was supposed to have been settled between Chase and the HOA last year. The DIL was supposed to have finally been settled early this year. None of these things were settled and my credit score, along with threats of suit, is suffering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account with Chase bank. I funded the account and set up online banking. I attempted to login to my online banking and received an error message saying I had been locked out. I called Chase and was told that the bank had decided to close my account and that they were not obligated to tell me why. Since Chase is a creditor that uses credit reporting agencies - some specific to banking such as XXXX XXXX I feel like my rights under the Fair Credit Reporting Act have been violated. Given that JPMorgan Chase is a repeat offender of blatant FCRA violations I felt making this report should be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Our home flooded during the XXXX floods in Louisiana. Because we have a mortgage our insurance settlement money is being managed by Chase, our mortgage holder. They require a signed contract with a general contractor to release funds. We have already had work done to our home due to the delays in getting our settlement. Just like thousands of others we are displaced. If we did not have flood insurance Chase would not be involved so why do they have to be involved when it is OUR insurance money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fortune Title Agency, Inc.
State: NJ

Complaint narrative:
I used Fortune Title Agency 's Services for my closing. Six months later, after not receiving a tax bill I contacted my local tax office to inquire. I was informed that my taxes and water/sewer were both delinquent and the property was not even in my name. Tax liens and judgments were to follow based on non-payment. turns out that Fortune Title Agency failed to register the deed with XXXX XXXX, thus causing a litany of problems and subjecting me and my property to enormous liabilities. I am still considering suing them for breach of contract, negligence and negligent misrepresentation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i keep getting credit card offers from Chase bank acting on behalf of other companies like Southwest, Marriott etc, i have called chase and they keep telling me i wont get anymore but i keep getting them, i subscribed to XXXX etc to stop getting pre-approved applications how else can i stop this. it just seems that chase can do whatever they want with no consideration to the public 's wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for HELOC loan on my home in XXXX XXXX CA. with Chase Bank. I 've lived in the home for 19 years. My XXXX score when I applied was XXXX, I owe on the property XXXX. The appraisal of the house came in at XXXX which Chase gave me. My income is {$13000.00} a month which was verified. My loan to Value on the home is less than XXXX %, The requirement was could get an amount on the HELOC up to XXXX % of the value of the home so I could of applied for more than XXXX. I only applied for XXXX. The XXXX requirement was must be over XXXX. I was declined with no explanation then after inquiring and phone calls, I was then told verbally the reason I was declined was because my XXXX mortgage has a balloon payment at the end that is due XXXX. This is not relevant in that HELOC expires after 10 years which would be 2026, so I would n't have the HELOC at that time. I also explained that I make additional payments to my loan and that the balloon payment is greatly reduced because of that. I was asked what my demographic was for data purposes. I contacted Chase bank supervisor after decline to re-evaluate and tell me a valid reason and there was no courtesy of a response to my concerns. I have since gone to XXXX XXXX bank and it was a slam dunk approval and verification within 2 weeks since I met their criteria which actually had higher standards. I exceeded all of Chase banks requirements. The other requirement was 24 months of pristine perfect payments which I have had for many more years beyond that in the 6 year range.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today on XXXX/XXXX/XXXX, I went into the chase bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX and I was mistreated by XXXX the branch manager. I was told by Chase Loss Prevention to go into the branch to make my opening deposit and show XXXX forms of ID to the banker. I did this and called the LP department back to remove my online suspension. They said we need a banker to call us while you are at the branch. I go back and follow the LP 's instruction and XXXX the branch manager went into the system and lied and said that she could not identify me which is not true because video will prove otherwise and then she accused me of having an account with them in XXXX which is not true. I even explained to her that I had my credit frozen due to identity theft and she did not care. I told her that the only thing she was suppose to do is have me verify my external account from where my funds were transferred from along with my ID. I did everything I was told but because I am XXXX XXXX she flat out called me a liar and said I will make sure that my team closes out your account today because we do n't need your kind to have an account here. I have never been so embarrassed and treated so unprofessionally in my life. Now the bank is closing my account because of a deceptive practice that XXXX did in the computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I enrolled and attended XXXX semester of on-line schooling through XXXX to receive my XXXX. I currently owe over {$3300.00} in school loan debt for services that I did not receive, but also I NEVER received my degree! When we started our XXXX semester, I struggled in finance and was falling behind on my assignments. I scheduled a meeting with a teacher at the XXXX XXXX location in XXXX, WI to try and improve my understanding of this course. After four hours of waiting, the teacher still " never '' showed. It was after this experience, combined with the many struggles with unsupported staff that I did not feel I should pay anything more for a failing educational support system. I expressed this to the campus board and to the on-line contact representatives. I wanted to make something of my life and improve my education and status in life ... .instead, I have another outrageous bill with nothing to show for it and felt there was nothing I could do ... .I just want to be heard and to know if there is any hope of filing a Class A Suit against XXXX or become another individual to enroll in the " mentioned '' Class A Suit that is being filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.

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 2015-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was a rapid rewards credit card customer, issued by Chase cards. I received an unsolicited mailer offering XXXX points if I upgraded to the premier card, disclosing that the annual fee was XXXX the fee of the regular card that I was using. I called the XXXX number listed on the mailer, and upgraded the card. I met the conditions of earning the points, and began reviewing my rapid rewards statement for the points that were to be awarded. When I contacted the bank, they claimed that only new card holders were eligible for the reward points. I feel that the bank pulled a bait and switch on me by offering the points for upgrading the card with the increased fee, which they were quick to charge, but now refuse to grant the points. When I inquired about the issue, the bank admitted that they send unsolicited mailers to current card holders, but meant for them to request an additional credit card. This is a bad banking practice and should be reviewed. They also refused to refund the higher fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The bank. had a legal hold on the funds in my checking account. I am in court challenging the validity of the hold on funds that should be considered disabilty payment. On XXXX/XXXX/16 the bank made my funds available in the savings account so I transferred all the funds to my checking account and subsequently withdrew the cash from my checking account. I did believe that I had won my case and that was why the funds were released. There appears to have been a glitch in the system because the bank says they never meant for the funds to be available to me. I contend that this is a mistake on the bank 's part and they are responsible for the mistake. The bank reversed my transfer on XXXX/XXXX/16. There was no longer any funds in either account at that time except for my paycheck of approximately {$150.00}. Now my account is {$3200.00} in the red which is not correct. I do not have a credit line with Chase so this reversal is contrary to my account access for over the limit withdrawals of which there are none.

Company response to consumer: Closed with monetary relief