vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}, otherwise I was advised that I could not stay there. The following day when my business associate arrived, the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team, I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes, I re-checked the account and the funds were not restored, I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday, the funds had still not been restored. When I called Chase on Monday, I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive " emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition, at no time was I ever contacted by Chase to communicate those changes. In totality, all I was given was incorrect information from the representatives. As a result, I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a " specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet, they were not available to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I used my Chase XXXX XXXX card to purchase a dumpster rental for my roof replacement. I called and spoke to the dumpster company ( XXXX ) and asked what size would accommodate. They told me the XXXX yard, I asked if there were any additional charges, they said no. Then after they picked up the rental ( 2 days later ) I was told I have an overage charge, which I said I should n't since I called and the rep told me the size was adequate. I then disputed, chase said they could n't help me after XXXX calls telling XXXX the same thing over and over again. I asked her if she even understood what I was disputing and she could n't formulate the words to explain back to me ... .so CFPB please help me with my FACTA and consumer credit rights!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i had a chase card more than XXXX years ago i get a summons to appear in court from XXXX XXXX/nearly XXXX later i received a garnishment from MAGISTRATE COURT OF XXXX COUNTY enforced by XXXX COUNTY SUPERIOR/only to hear today it may not have been processed properly/anything to help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have beyond a shadow of a doubt communicated to Chase Bank that my mortgage loan is under MY name ONLY the original co-signer XXXX XXXX ( XX/XX/XXXX ) has been deceased since XX/XX/XXXX and Chase told me and the CFPB!! that they updated the records to reflect this. My home is in a Trust and a Homestead under MY NAME ONLY his name was removed and the records were supposed to have been updated, but for some sick reason Chase Bank is STILL sending mailings to my home. Please stop the emotional abuse!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
When I signed up for my Chase Freedom Visa credit card on XXXX XXXX of XXXX there was a promotional offer of a bonus, if I spent more than a certain amount of money. On XXXX XXXX XXXX after or close to what I thought was three month mark from the time I opened the account I contacted Chase to see when or how this would be applied to my account. The customer service representative said she would forward this to a specialist and they would get back to me in writing. On XXXX XXXX I received a letter by mail from Chase stating that I did not meet the spending requirement of the promotional offer. The offer they stated in the letter was I would receive {$400.00} or XXXX points if I spent {$3000.00} in the first three months from the opening date of the account. I certainly have complied with the requirements in the first two months of opening this account by spending over {$4000.00}. I contacted Chase on XXXX the XXXX XXXX and spoke to a XXXX XXXX a supervisor in the XXXX XXXX, TX call center and explained to him what has happened. XXXX said at the time I opened my account there were no offers available and that they would not be honoring the offer. He went on to state that had, I called in on or before XXXX XXXX they would have applied the offer that they stated in the letter. I assumed that when I signed up for the card this offer was to be applied and that there was no more action needed on my part or any reason to have to contact Chase to receive the promotion offer. When I called in on XXXX XXXX I asking when the offer would be applied to my account and at no time was I informed that I would have to contact Chase to activate the offer since the implication was that it would applied when I signed up for the account. The letter they mailed me clearly states the offer and the documentation of my account statements enclosed with this complaint clearly states clearly I have meet and exceeded the requirements set forth in their letter. No where in the letter or when I signed up for this account does it state that I was required to contact chase prior to the three month mark of activating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Open a national bank account with Chase Bank. After a few months I started getting excessive unknown charges from a vender of a fitness club I was not aware I was sign up for. Turns out the account I closed shortly after I opened my Chase account was never taken off direct deposit. The bank told me it was the gym but the gym showed me they were n't taking money. Long story short a XXXX account was mistakenly opened by the gym which caused a XXXX charge to continue for months. When I figured out the issue I addressed the bank manger about my concerns and she opened a fraud claim which was going to fix it. Three months later I 'm in XXXX no bank accounts now and chase wo n't help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: MO

Complaint narrative:
I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: FL

Complaint narrative:
This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: MS

Complaint narrative:
This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Services, Inc.
State: CA

Complaint narrative:
The collection agency named ACT Account Control Technology intercepted my entire tax return without proper notice of their attempt to collect any debt. They were collecting for a student loan and sent the letter of intercept to my old address intentionally to make it look as if I was ignoring their request. The party they were collecting for had my new address since XXXX XXXX, I was receiving mail from the original party regularly. However ACT maliciously sent the intercept notice to my prior address on XXXX XXXX, XXXX which I still have never received or seen. I moved from my previous address XXXX XXXX, XXXX. If this company was collecting for a Federal Student Loan and sent a notice to intercept on XXXX XXXX, XXXX to a place I no longer resided and have n't resided for over 3 months at time of alleged mailing. Why and how did the original party have my current new address and the collection agency did not? Do they not communicate with each other? The company ACT Account Control Technology is a very crooked company and will fabricate and or deceive by any means necessary to take peoples money without proper notification and or mailing. I also told them via telephone that I disagreed with their approach and or action to collect and requested appeal information and or documents. I was told the company ACT Account Control Technology would email me the needed documents that same day and I never received anything via email on any day pertaining to my request. This company stole almost {$2500.00} from me and my daughter, yes I am a single parent and yes {$1500.00} of the money they stole was supposed to go toward my daughters dental work that we had to cancel because these crooks deceived the Internal Revenue Service making them believe I was ignoring their attempts to collect when in reality I have never even seen one of their letters or notices to collect ... even to this day I still have never seen this notice that was supposedly mailed to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: ID

Complaint narrative:
In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.

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