vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MILEND, INC.
State: PA

Complaint narrative:
I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed about a dozen charges to my Chase XXXX account beginning on or around XXXX/XXXX/15 in Pennsylvania, New York and California. I have never been to these states and never have used my card. I called Chase XXXX at XXXX and the person told me that my card had been compromised, but that they would immediately reverse the charges and send me a new card. I have now called XXXX ( XXXX ) additional times, each time the person told me that the charges would be reversed and a new card issued. I still see the charges on my account when I check online, and I still have no replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been attempting to close on a rate refinance with Chase Bank for over 3 months now. Their underwriting is AWFUL as I have to repeatedly supply them with the same information. It is almost like they hire people for as little pay as possible and then are surprised when their underwriters are idiots. The worst part about this is, CHASE HOLDS MY PRESENT MORTGAGE I AM ATTEMPTING TO REFINANCE!!! I have never seen this level of incompetance and I work in the mortgage servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage Homeowner urges Consumer Financial Protection Bureau to contact Corporate Office at : JP Morgan Chase Corporate Offices, XXXX XXXX XXXX, XXXX XXXX NY XXXX Be it known, homeowner, XXXX XXXX XXXX XXXX, has NOT received any cooperation from JP Morgan Chase since her first complaint to Consumer Financial Protection Bureau. JP Morgan Chase continues to hold homeowner and her home hostage by fraudulently manipulating their accounts, figures, dates, data and documentation. 
Please see attachment : " Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage '' as this description is rather lengthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/2016, I received a letter from Westlake Financial through CFPB stating that they would remove the double negative from my trade line. Per the letter, it stated that it will take up to 30 to 60 days to remove the double negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
" Contract was cancelled '' " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
this complaint is about chase bank confiscating my excess escrow payments during XXXX while not properly accounting for those payments from me and payments made from my escrow account during the period XXXX thru XXXX that violates the cfpb consumer protection regulations and the federal law known Mortgage escrow accounting act. this act allows for chase to provide an auditable escrow statement at least once a year that can be verified by the same information that appears on a mortgage statement. 
in my case chase has been making false charges to my escrow account that include a transaction known as escrow advance recovery of {$370.00} a month for the last two years. meanwhile I am paying at least a XXXX dollars higher escrow payments than is paid out for insurance and property taxes. 

if we look at this practice for chase XXXX XXXX mortgage loans being serviced by XXXX in XXXX ohio the figure amounts to over a $ XXXX dollars a year that is not accounted for or as in my case may not being retured to the homeowner and mortgagor. 

chase has continue to stonewall me on this issue and I have received documents from XXXX that show these discrepancies in detail that indicate that chase uses two sets of books to service mortgages. one set for financial reporting and one using allegedly the XXXX platform on a desktop pc. the XXXX systems are not compatible and put out false information. chase sent me a escrow refund check when I refinanced my home at the end of XXXX for {$880.00}. 
I paid into escrow almost {$4000.00} for the year and chase paid out almost {$3800.00} that means the check that check was almost {$8000.00} short from previous years where chase was charging me higher escrow payments. their computers showed I was five payments ahead in my mortgaeg that was paid to emc mortgage during a mortgage modifcaton that included escrow paymens in excess of {$9000.00} all of those payments and escrow funds disappeared and were not credited to my new mortgage with chase. the old account number was XXXX and the new account number upon transfer to chase from their subsidiary XXXX in XXXX the point here is that chase appears to be putting all these moneys into their pockets and not paying federal income tax on this undeclared income. I have objected of these chase mortgage servicing practices to XXXX and the head of chase banking XXXX XXXX and his replacement since his removal form that position. chase continues to stonewall me on this and use these methods to manufacture defaults by raising mortgage payments while putting escrow funds into their pockets allegedly. i demand as a j p morgan stockholder a complete accounting of my mortgages with chase including the second trust from the past and audit of XXXX about their alleged fraudulent mortgage servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband and I have had a joint account for 20 years at the same bank. We have been loyal customers and have a checking, a savings, and a couple money market accounts. Over the years, the services have become less generous and recently I have had two very bad experiences that I do not think are legal. First, my bankcard and access to my bank account was cut off because I had not activated a new card that they had sent to me 5 months ago ( that I never received ). When I realized I could not get access to my account, I called and they said they would send me a new card in two days. I had no access to my account electronically or physically and I was unable to transfer money to cover a property tax check. My husband had to go to the bank to do it. Which brings me to the next complaint. We used to have over {$14000.00} credit as an overdraft account. As a busy household with XXXX incomes and young kids, we used this overdraft account often for credit whenever we needed the flexibility for timing of expenses. We have paid plenty of interest to the bank for this flexibility. Late last year the account was reduced to {$300.00}. This amount for us covers very little when you are talking about {$12000.00} of activity during the course of a month. We did get a letter from the bank saying that they were reducing it due to " my husband 's delinquency '' ( there were none - it is a joint account under good standing ) ; " insufficient deposit relationship '' ; and I was listed as an " unqualified co-borrower ''. None of this made sense. When I went to the bank recently, I inquired about it and they said I would have to reapply for it like any other credit source. They also said the reduction was due to a low credit score and debt to income ratio. How would they know what my debt to income ratio was? They said we could see his credit report. Why did they use just his credit report and not mine for a joint account? My credit score and earnings are much higher. We have always paid our bills on time and do not have any debt under this bank anymore. ( I suspect we are being punished for moving our debt elsewhere. ) I believe these actions have been, at worst, discriminatory and illegal ; and, at best, very bad customer service. Reducing our credit line is the same thing as raising interest rates on a credit card. It has resulted in overdraft and several fees.

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 monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC
State: IL

Complaint narrative:
My daughter was contacted by XXXX XXXX of Worldwide Recoveries , LLC claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
Worldwide Recoveries , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.

Company response to consumer: Closed with explanation