vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Visa Debit Card # XXXXWrongful use of debit card : XXXX Police Report # XXXXPlease be informed that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute. 
Location Address Date of Occurrence AmountXXXX-XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX/XXXX/2015 $ XXXXCHASE XXXX XXXX XXXX XXXX XXXX , TX XXXX/XXXX/2015 $ XXXXI noticed these fraudulent activities when I went online to check my account on XXXX/XXXX/2015. 
Please review my attached transaction activity log as it vividly shows my pattern of using this UCARD Debit card since XXXX, 2015. All transactions over {$200.00} are done either inside a local Chase Bank or at Chase ATM location or transfer to my other Chase Bank account in my City of residence ( XXXX ). 
Before the fraudulent activities of XX/XX/XXXX & XX/XX/XXXX, I used my card in my City of residence XXXX as I 've marked all in the attached transaction activity log. After the unknown fraudulent activities of the said dates, I made transaction in my City of residence in the morning of XXXX/XXXX/15. The question is who stole my money from those XXXX locations in XXXX, TX? Did Chase Bank duplicate my Debit card with my information? 
As I was talking to Chase customer service agent, I was meant to understand that a video snap shot caught a male and female drivers of a minivan committing this fraudulent activities. In response to that vehicle, I own and drive a BMW X5. Since the video caught a minivan, I ask Chase Bank to please make the information available so that the suspects will be apprehended and credit my account ASAP. 
For my whereabouts a day before the frauds occurred, I attended a wake keep for a dead relation in the XXXX XXXX XXXX on Friday night ( XXXX/XXXX/2015 ) and was home in XXXX, TX all day Saturday and Sunday when these illegal activities happened. 
I want to make it very clear to Chase Bank that I did not authorize anyone to use my name or personal information to withdraw money from any merchant or ATM machine as described in this dispute, I do not have a suspect to this crime other than to say that my Visa Debit card credentials were compromised and the sum of {$1100.00} ( XXXX XXXX XXXX XXXX and XXXX Dollars ) were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
requested credit report from XXXX on XXXX/XXXX/15 found that chase was reporting negatively on my report as of XXXX/XXXX/15. i am attaching a copy of documentation reflecting timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I arrived home late tonight from a long trip and found that my internet cable connection and landline telephone service had been knocked out by a neighbor 's tree that fell in my yard. So I tried to get into my bank account through a mobile wifi device. However, despite the fact I have not asked JP Morgan to identify my computer, it insisted that it " did not recognize '' my computer and demanded that I call a phone number to get a code. I did so and wasted a lot of time answering idiotic questions, allegedly from " public records. '' Because I did not provide the answers that it wanted, they would not provide me the code to get into my account. I have been denied access to my account and money at JP Morgan for two or more weeks now. The data sources JP Morgan uses in this stupid little game are inaccurate ; I have no way to guess the right answers they want. 
JP Morgan should not be allowed to deny its customers access to their accounts by their fake " security '' procedures that do little to protect me from real cyber crime but reliably deny me access to my money and accounts. This is the worst kind of bad faith pretense of something that provides JP Morgan with an unreliable excuse for its bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.

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 2015-09-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Paid the balance due in full and then was charged interest - they claim it was because interest accrues daily and the statement balance is not the real balance. NOTHING stated I should call for a payoff figure this is not a car or house loan it was a credit card. The balance due is the balance due I paid the balance shown on-line on XXXX before the due date of XXXX. Why are they allowed to charge more interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I recently applied for a home equity loan-my first time doing so. One of the reasons I was n't approved was that I had a charge off on my chase credit card account in 2005. According to the fair credit reporting act information over 7 years old is not to be reported unless is a bankruptcy, and then it 's 11 years. I contacted chase, and they refuse to take it off. The response I received was that they did n't want to affect the integrity of the reporting procedures. So a mistake I made XXXX will affect me the rest of my life? I have 10 years now of no negative marks on my credit, and this is still haunting me. I do n't know what else to do! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX hard inquiries on my credit report. For both companies, I did n't apply for credit with them. 

These are the companies : XXXX, TX XXXX ( XXXX ) XXXX XXXX, TX XXXX ( XXXX ) XXXX

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: TX

Complaint narrative:
JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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 am a long time JPMorgan Chase Bank Customer, and enjoyed many accounts ( credit, checking, etc ) with the bank for over 10 years. 

On XXXX XXXX, I opened a joined account with my mother ( my mother lives in XXXX, OH XXXX ). Savings account Account # XXXX ; and checking account number # XXXX. Since I live in XXXX and my mother lives in XXXX, we were looking for a bank with locations in both cities. The purpose of these accounts was to assist my elderly mother with financial services. As part of opening a new account, Chase had a {$500.00} offer - 1 ). I was required to deposit {$15000.00} within the first XXXX business into savings and 2 ). to initiate a direct payroll deposit from my employer. If I was to satisfy these requirements, Chase promised to give me a {$500.00} bonus after 90 days.. At the time of the account opening my mother deposited {$200.00} into the accounts. ( {$100.00} into each account ). 

On XXXX XXXX, I deposited {$15000.00} into the chase savings account # XXXX. I also had my mother initiate her first deposit into # XXXX ( scheduled for XXXX XXXX ). 

On XXXX XXXX, I my mother received a letter stating that both accounts will be closed on XXXX XXXX - reason not given. 

On XXXX XXXX, I called to Chase call Center XXXX at XXXX XXXX to understand the decision to close the account. The representative informed me the a decision was made by Chase, the checking account and savings accounts are closed. There is no reason for this action. 

This action by Chase to close my account makes me feel very uncomfortable for the following reasons : 1 ). There appears to be discrimination against my mother, who is elderly and requires assistance with financial decisions. 
2 ). Chase refused to honor the offer of giving {$500.00} for opening the account. This is false advertisement. 
3 ). My mother and I are both foreign born ( something the personal banker opening the account asked me ). I feel like Chase closed the accounts because the personal banker did not want to have business with someone born outside of the USA. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card services received my properly documented dispute within the 60 day window. Chase admitted to erroneously ruling against me and closing the case without even reviewing any of my supporting information. Chase allegedly 'reopened the dispute ' and immediately reissued their decision to deny my dispute, despite documentation from the vendor clearly showing the disputed {$4000.00} was an excessive and unauthorized charge. Chase then pressed me to provide evidence of fraud by the Vendor in order to continue the dispute. I researched and provided Chase with documented proof of fraudulent charges proving the vendor charged me for approximately {$12000.00} of services that they never delivered and I obviously did not receive ( XXXX 3X the amount I disputed ). I did not change the disputed amount and kept it unchanged at {$4000.00}. Nearly 7 months after alerting Chase to the erroneous/fraudulent charges, Chase refuses to make the 'provisional credit ' permanent. I believe they unintentionally ( but nonetheless damaging ) created a bias against me due to their mistake of ruling in the Vendor 's favor even before they reviewed any of the case details. I am preparing to hire an attorney to pursue arbitration/litigation of these actions by Chase Member Services. I will likely spend many times in excess of the {$4000.00} defending myself and repairing my credit. I am pursuing this to help others because Chase is wrong to abuse it 's power to ruin one 's credit simply because of errors they are unwilling to correct, apparently because it means they would have to go back to the Vendor and say, " Sorry, you know that dispute we allegedly researched and ruled in your favor ... .well, we screwed up and we need to take back the {$4000.00} we gave to you. '' I believe Chase will rely on the following for their defense ; the vendor told me they would reverse the erroneous {$4000.00} charge prior to me disputing the charge. I relied on this ( fraudulent ) statement by the vendor and paid my monthly balance in full as I usually do. Chase may win on this technicality, but there is no denying that Chase is complicit in the Vendor 's fraud. Chase 's action to knowingly allow the Vendor to use its relationship with Chase to perpetuate an act of fraud is something that can be 'rectified ' with organizations influential enough to 'get Chase 's attention. ' It is a testament to Chase 's arrogance that this is necessary for a disputed {$4000.00} charge that Chase could have and should have reversed long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In late 2015, I received a mortgage modification from Chase Mortgage. At that time the mortgage payment was set at {$850.00} and a special Chase bank account linked to the mortgage was set up for direct payroll deposit so the mortgage could never fall into arrears. Since that time, Chase Mortgage has consistently failed to debit mortgage payments from this linked account per the terms of the modification, thus causing the mortgage to fall into arrears. Now Chase is threatening to foreclose due to their own failure to comply with the terms. 

After being notified in writing about this accounting error with a NOTICE OR ERROR followed by a QUALIFIED WRITTEN REQUEST, Chase has failed to remedy the problem, and has merely responded with form letters. I even hired an attorney to send Chase a letter demanding that they fix their accounting errors, and Chase once again responded with a form letter. 

To resolve this matter to my satisfaction Chase must : *Cease and desist all foreclosure actions and threats. 
*Timely post FROM the linked bank account TO the mortgage a sum of {$850.00} on or about the due date in compliance with the terms of the modification. 
*Move any and all alleged missed payments to the end of the mortgage without the need for a full mortgage modification. 
*Notify all credit bureaus that my mortgage has been " current '' since XXXX of 2015 and remains so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a complaint # XXXX on XXXX/XXXX/2016 I got a reply from the back today they stated they called me on XXXX/XXXX/2016 yes Chase did call me only to request I go to the branch to prove who I am and after I did that they maybe I could get the insurance money. I did that on the XXXX I did not hear from Chase again until XXXX/XXXX/16 at that time I was told a decision on if I could get the funds I needed to repair my home would be made on XXXX and someone would be calling me. As of XXXX on XXXX no one from Chase has called. In the reply it states they are reviewing it and will made a decision within 60 days. I have a forbearance on the loan that ends on XXXX XXXX I need to start repairs now so I can get back in my home and not paying rent and be able to get caught up on the loan. Also the damage is water damage and with nothing being done it is causing mold to grow and now the mold is going to have to be removed. Chase is doing everything they can to prevent me from repairing my home is it their plan to delay this and delay this so they can foreclose on my home. What they are doing is so unfair and not right at all! I have done everything Chase as asked and I did it within an hour of when they requested. I call Chase and email Chase on a daily basis and Chase goes weeks without contacting me when Chase says they will do something it is not done. I need the money to repair my home what they are doing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Homeowner has had a financial hardship and after exhausting all modification attempts they have come to accept the fact they can no longer retain the home. Therefore deciding to short sale the home vs. losing the home to foreclosure. A complete workout package including all financial documents and offer has been submitted to Chase on XXXX XXXX 2015. After several XXXX of follow up and multiple escalations requesting the file to be assigned to a negotiator nothing had been done until XXXX XXXX, 2015. On XXXX XXXX, 2015 they homeowner was finally assigned to XXXX XXXX. The XXXX lien is ready to fund with the rate expiring on XXXX XXXX, 2015. If the loan does not fund the buyer will walk away from the home. We will lose this buyer entirely. We have expressed the urgency several times to Chase verbally and escalated the file still nothing was done to expedite the process. Since extensive time has passed since submission of the short sale request and the file has yet to be approved or denied we are filing a formal complaint to escalate the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: WA

Complaint narrative:
This collection agency contacted me about a debt. I questioned the amount they were telling me and am willing to work something out, but not at the amount they said I owe. They then mentioned that they are going to garnish my wages, take me to court and that they guarantee they will net a better return than trying to work something out. They also intimidating adding that because they are in XXXX and I am in XXXX, they can have someone within arms reach in a matter of hours. They also spoke on me owing the state of XXXX a huge sum of money, which is not true. They insinuated they have connections in XXXX that will know where I am at any time of the day. I feel threatened and uneasy about the conversation that took place. I mentioned that I want to come to an agreement, but the amount they said is not what I owe. The representatives I spoke with are XXXX and a XXXX or XXXX.

Company response to consumer: Closed with explanation