vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had making payments to another Chase banking client via Chase Quickpay for a motorcycle payment. The recipient of thee funds were not paying the note and stealing the money. I had called customer claims and disputed these transactions on their internal advice that this was fraud. Only to have the credit reversed and my account in debt and sent to collections. The biggest act of fraud was done by Chase. I will pursue a lawsuit for these actions if not reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Never recieved replacement card got excuses and cancelled card without telling me was always paying on time poor customer service at chase visa

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX of XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in XXXX Bankruptcy Court in XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against JPMorgan, he said, " The complaint sets forth a cause of action that Chase is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by CHASE that appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a Chase card reporting on my credit report as a derogatory account. I have contacted Chase Card to inform them That i did not open a credit card account with them and wanted them to provide me with my signature requesting to be added as an authorized user on the account. Chase sent me a letter with no verification that requested that I was listed as an authorized user on the account. I want this account immediately removed from my XXXX, XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Several months ago, my XXXX cell phone XXXX was hacked and for two months I had charges of over {$5000.00} on my bill. Now I am a XXXX year old senior citizen who never texted, and rarely even used my phone, and my phone bill rarely exceed {$55.00} a month. After two months of back and forth with XXXX the charges were determined to a result of someone in the XXXX, area, where I have never been using several numbers on my account. I have lived in XXXX for XXXX years. When all was said and done, XXXX sent me a bill for {$110.00} which I do not owe. I have since moved on to XXXX. In addition to letters and a recent phone call from Sunrise Credit Services trying to collect this debt. I do n't need this harassment at my age and fixed income.

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 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My house was current on payments. Another person 's bankruptcy took my house, held it for about 30 months, then gave it back to me. During that time they did not make any payments but collected the rent. I attempted to refinance but my existing lender would not cooperate with escrow and my new loan fell apart. I have asked for a loan modification but Chase again refuses to cooperate ( no returned calls, etc ) Now Chase has filed a notice of foreclosure sale but did not post the house and did not mail anything to me. I can not catch up on all the back payments that were started by the bankruptcy that was not my doing. All I want is to keep my house after working out some kind of loan modification with Chase. I feel this action by Chase may be due to me having a XXXX name or that I am a woman owning the house alone. 
This is urgent as the foreclosure sale is scheduled for XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: FL

Complaint narrative:
I am repaying my loan since 2014 on time all the time. I have a 6.125 % interest rate on the loan. Well the loan has not gone down in two years of making payments and I wanted to start paying extra amounts to be applied to the principal of the loan. Nelnet said that is not possible, they will take the extra amount, but they will apply it first to the interest and then to the principal. I seems to me that is an unfair practice since they will be making more money out of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I HAVE PAID MY CAR LOAN. 
I DO N'T OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
We paid OCWEN the final balance owed to them on XXXX. The original loan was with GMAC who sold it to OCWEN. My husband and I are trying to get a loan against our house. The original loan was paid in XXXX XXXX. The second loan was paid on XXXX XXXX. We currently do n't own anything on the house. The only thing keeping the loan from being approved is ... ..OCWEN NEVER sent a lean release to the County, nor did we receive anything from them. I 've called at least 5 times, getting a different answer every time. The most recent, I was told that a copy of a letter stating that the loan had been satisfied would be emailed to me on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, XXXX XXXX Central time I have yet to receive it. The person I contacted today told me it would take 5 to 7 days to get the email. I asked why it took so long and was told that 's how long the process takes. We need to have the remodeling complete by the end of XXXX XXXX in order to sell our house because we will be moving out of state. Is there anything I can do to expedite this process of getting the lean removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I 'm currently working on a short sale because I was given no other option BUT my Realtor has n't been sucessful in getting in touch with my XXXX loan which is with Litton Loan Servicing, none of the numbers provided work because they just send you on an endless survey about XXXX, auto insurance, {$10.00} XXXX gift cards and other XXXX they are selling ( numbers are XXXX, XXXX and XXXX ). I need them to contact me Loan # XXXX in order for my transaction to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Asset Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. I obtained my home mortgage in XXXX. OCWEN is the third holder of the mortgage but the first and only to contact me repeatedly with various demands since they took over the mortgage in XXXX. 
2. OCWEN asked for and I sent them a copy of my SSN and XXXX. I had to send it to them about 5 times total by mail, fax and email because they kept calling me non-stop including Sundays despite assurances otherwise claiming not to have received them. 
3. In late XXXX, OCWEN asked for my evidence of insurance. Although, I had never been asked for this evidence by any of the prior mortgage holders, I dutifully sourced it from my HOA and uploaded it to their designated website. This month OCWEN has come back to say that my insurance does not include " Betterments and Improvements '' coverage and as a consequence they have purchased the XXXX coverage for me at {$630.00}. 
4. In XXXX XXXX, OCWEN notified me of increase in my interest rate from 7.125 % to 7.500 %, hence my monthly mortgage from {$710.00} to {$730.00}. 

I believe that OCWEN is incompetent and fraudulent based on the preponderance of similar complaints against them online. I seek your protection from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
As of XXXX XXXX, XXXX, Ocwen again changed the reporting of my account. They now report that I missed a payment and paid a balance less than the full amount. My credit score dropped considerably. I 'm filing another complaint with the XXXX XXXX XXXX XXXX. I also emailed XXXX XXXX with Ocwen Obudsman. 

There were never any missed payments. This must be corrected. 


Closed No Missed Payments {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name OCWEN LOAN SERVICING Account Type Second Mortgage Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$24000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times XXXX/XXXX/XXXX Days Late XXXX Remarks Account paid for less than full balance Paid charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
This is in addition to complaint # XXXX against OCWEN Loan Servicing LLC . They have just sent me a letter threatening foreclosure on my home if I do n't pay a disputed accounting failure on their part. No specific date or month of the bill was mentioned ... .absolutely no specifics were mentioned just an extortionate threat to pay. I would gladly pay my bill only if they ( OCWEN ) could provide a definite hard copy bill of month and year in question .So far they have sent computer print outs with numerous omissions ... .I have signed up for their payment conformation program and they have not sent me a conformation in 3 months. This is a unscrupulous company running out side of the USA ripping off and strong arming / exhorting millions from it 's clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation