vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XXXX at approximately XXXX PM I received an email from American Express, asking me to confirm I changed my email address. After reading the email I immediately called American Express to explain I did not change my email address and that it appears to be suspicious activity. After having me on the phone for about XXXX minutes they reviewed the recent transactions with me. The only XXXX I disputed was the transaction in the amount of {$900.00}, which appeared to be either a e-check or wire transfer written to someone 's personal name. I 'm 100 % sure I did not authorize this transaction and do not even know who the individual is. 

As we were reviewing the account I noticed the information they had on file was not the information I entered when originally setting up my account. My email, pin, and even my security question was all changed. They then had me reset everything back. I asked if they should just send me a new card and or at least change my account number. They said that would not be necessary. 

They informed me that the dispute would take up to 10 business days. After terminating the call with them I then received a voicemail ( on XX/XX/XXXX at XXXX ) confirming the call and giving me my confirmation number which is XXXX and a number to call if needed which was XXXX. I still have the voicemail on my phone. 

Today on XX/XX/XXXX I received an email from American Express stating my dispute was declined and they have determined no error occurred. I will attached copies of the emails mentioned. 

I 'm not sure how they can come up with the conclusion that no error occurred, when I 'm clearly stating I did not make or authorize this transaction. If someone can change an email address then later change their pin, and personal security question, then be allowed to transfer money to someone, that is clearly a lapse of security on American Express. 

After receiving the email stating my dispute was declined I called XXXX, and spoke to XXXX at XXXX who then transferred me to Account Protection Services to someone named XXXX XXXX I went through explaining the whole process with XXXX only to be told she could not help because she did n't have the information they used to determine how their decision was made. She said I would have to write them to get more detail. 

This whole process is interfering with my ability to pay my mortgage and bills. It 's not fair for an institution as large as American Express to simply state an invalid charge was valid and tell the consumer, we ca n't help you. 

Any help you can provide to expedite this process would be greatly appreciated. I tried to be proactive in reaching out to American Express as soon as I received the email stating my email was changed. 

Again I did not change my information or make the charge of {$900.00} Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: MI

Complaint narrative:
My student loan servicer, Nelnet, harasses me and threatens me with default even though I have made regular, steady payments. Often more than one payment a month. On my credit report, my loans are reported as XXXX different accounts. When my payments are made, Nelnet applies them to just XXXX accounts. The other XXXX accounts appear to have no payments at any time. I have inquired to Nelnet and they have never responded. They continue to send me letters, emails and leave phone messages requesting additional payments..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Recieved a letter from XXXX XXXX with XXXX XXXX Stating that i owe a debt for a bank account with Providian National Bank which ive never held an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next day to confirm that payments were sent and returned and correct info sent to credit bureau 's. That never happened and they are still notifying credit bureau that i am late. I filed a complaint with the XXXX but as of yet nothing resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had applied for refinancing my apartment loan with Capital One Bank. 
After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. 
They indicate that if the COOP would pay a little more of insurance, than they would approve. 
They also told me that I will not find another financial Institution that would refinance it. 
I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. 
I do not think this is right and apparently there is nothing that I can do about it. 
I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: SC

Complaint narrative:
They have called my sister three times in one day, on XXXX/XXXX/2015!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went into Chase bank to cash a check from one of their own accounts. They told me there would be an XXXX charge to cash it. {$8.00} on a {$65.00} check is ridiculous, not to mention the check was from one of their accounts. It is a promissory note from their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I disputed a claim with chase. They did not properly verify the information and when it explained again with them viewing documentation they still denied the claim. My facts were based on a written contract that they were provided and I was told it is not there job to look at all the details. I dealt with XXXX from the disputes department. I will be reforwarding all the information again and this time I clearly have to circle the facts I was stating because chase did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello! I receive a Social Security direct deposit at Chase Bank for {$440.00} and I paid XXXX pay of {$160.00} and XXXX XXXX XXXX for {$57.00} all paid on XXXX/XXXX/2016 that left me with {$230.00}, i made a withdrawal from the ATM for a {$220.00} then that left me {$7.00} and some change, then I made a {$140.00} payment to XXXX XXXX XXXX, I knew I was going to be charged {$34.00} overdraft fee for this payment, and then I see {$34.00} overdraft fee for the {$57.00} which was paid out of my direct deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Yes I had a bank account in 2014 with JPMorgan chase bank I deposit a check that a company gave me to in they told me it was fraud. And they was going to end there relationship with me for go in they reported me to XXXX I contacted XXXX by mail told the to remove me. They write me back and said they had started investigation in it might take 30 days to complete the investigation after 30 days they write bank in said they are removing me from XXXX because JPMorgan bank ca n't verify it so need this to be fix ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed to them today and I am disputing with you now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has impacted my credit by sharing and selling my student debt with a third party company such as XXXX XXXX XXXX. This information reported by Chase has been inaccurate. My account was transferred from Chase to the XXXX XXXX Loans. This in turn has led to XXXX XXXX XXXX to continue to collect on my account even though it was never under their ownership. The XXXX has taken ownership of this account when it was with another other holders Chase, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped XXXX from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. In addition, Chase has reported negative errors on XXXX occasions on each credit report. This appears that I have XXXX accounts with Chase on my credit reports which is inaccurate. My student loans were consolidated into XXXX loan for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This compliant is related to CFPB CASE XXXX AND TO PREVENT FORECLOSURE SCHEDULED ON XXXX XXXX, 2015. J P Morgan Chase Bank purchased Washington Mutual. Home Owner of Property servicer XXXX XXXX XXXX reported to be the servicer of XXXX XXXX XXXX. XXXX XXXX XXXX denied being lender. XXXX XXXX Bank reported XXXX ( loans service by others a department of XXXX XXXX XXXX was the actual lender. XXXX XXXX XXXX denied any department exist in XXXX XXXX XXXX. XXXX XXXX XXXX is foreclosing of home owner without proof of ownership. Chase Bank reported XXXX XXXX XXXX is lender but has not provided document of purchase, document of sale, document of notice of servicer transfer and document of FDIC LOAN PURCHASE. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX continue to threaten home owner with foreclosure of property without any proof of foreclosure deed and deed under power. No validity of signature of documents but robo signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Mother passed away after battling several illnesses including XXXX. As her Executor I have been made aware of a lien from XXXX for a debt they purchased from Chase. Thus far I have been unable to get anyone from plessler and pressler or XXXX to provide first hand knowledge of this debt and to prove it is not part of the recent CFPB XXXX Consent Order with Chase. Every communication has been strictly an effort to get the Estate to pay it without regard to my duty as the Executor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Mortgage has refused my request for mortgage assistance. I have repeatedly requested a modification. Since Chase received a bailout, Chase promised to help consumers stay in their home. Chase has a pattern of not granting modifications to XXXX residents. 
Now that I am back working, I can afford my mortgage payments. Chase is trying to force me to sell. This is unlawful and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to XXXX XXXX XX/XX/XXXX-XX/XX/2016 stayed at XXXX. Made a complaint, I used my Southwest Chase Credt Card, the room was nasty I took pictures of hole in ceiling, dirty carpeting, and ottoman with XXXX stains on it. They moved me to another room and told me by email the charges was going to be comped off. I got my bill which was disputed by Chase and was told the charges was remain, I have email from XXXX stating they comped off the charges which was not. Was told to send email to XXXXXXXXXXXX, then told to send to XXXXXXXXXXXX. well no one has responding and I have a charge on my card for {$160.00} which I was told in email they would comp off.

Company response to consumer: Closed with explanation