vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
My wife was in a branch of Suntrust Bank to pick up my debit card that accidentally left in the ATM machine. When she stopped at the branch to pick up my card, the branch manager and bank teller asked my wife if she wanted to earn cash back on our debt cards. She said, " talk to my husband, he handles all of that. '' They did n't take no for an answer, asked her a couple of questions like " where did you go to high school? ", etc. With that very basic information, they opened XXXX credit cards, XXXX in my name and XXXX in her name. I had no idea that this had happened, until my credit monitoring service alerted me that an account had been opened. After learning that these accounts had been opened, I immediately tried to find out how this happened, because at first I thought it was identity theft. I later found that it was n't identity theft, but it was the people at the bank branch, that opened an account and NEVER even spoke to me. With that tiny bit of personal information about my wife, they claim that it was appropriate that they opened XXXX new credit card accounts, XXXX in her name and XXXX in my name. Now, I 'm trying to get the account closed and removed from my credit report, but I am having a very difficult time.

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 2016-06-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank continues to practice unfair, deceptive, abusive acts and business practices by failing to comply with Regulation X. 

Chase Bank sent a Request for Mortgage Assistance form dated XXXX XXXX, 2016 that was received from XXXX on XXXX/XXXX/2016. The Request form was forwarded to my attorney. 
The letter stated that the forms needed to be returned by XXXX XXXX, 2016. ( 39 days prior to a foreclosure sale ) Regulation X requires servicers to maintain policies and procedures reasonably designed to achieve specific objectives that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ), ( b ). 

Chase failed to provide accurate and timely information and documents in compliance with the servicing rules that provide a borrower with accurate and timely information and documents in response to the borrower 's requests for information with respect to the borrower 's mortgage loan. 

Chase continues to abuse their customers by keeping them in the dark about available options to avoid foreclosures. Chase delivered the forms and requested the return of the documents on XXXX XXXX, less than 45 days before the foreclosure sale to avoid notifying the borrower that a loss mitigation application was received and proceed with a foreclosure sale on XXXX XXXX, 2016. 

Servicing rules now require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday evening, XXXX XXXX, after XXXX ET, I made XXXX transactions to my Chase Bank Checking Account, which put into overdraft. Today, Saturday, XXXX XXXX, I was preparing to restore the balance in my account, when I discovered that I have XXXX overdraft fees. I called the bank, and they informed me that they define the closing of a day as XXXX ET, rather than the closing of the branches. This is contrary to baking regulations, which according to those I read, define the business day for a bank as the time of closing of the branches, not XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A debt that was confirmed not to be mine in XXXX has once again been resurrected. XXXX XXXX contacted me numerous time threatening to take this action to court as well as " ruin my credit '' if I did not pay the balance as well as interest since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My savings account went from {$42000.00} to XXXX in 60 days. I do n't know what happened. 
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me, they did send me a letter, which was a joke! Chase is denying the claim dispute for transactions from XXXX, but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it, he paid bills with credit cards and made our finances appear equal with debts/assets. He placed the house title in his name & took XXXX hidden mortgages out on the home. I learned this on my own while divorcing him. My savior was my grandmother who passed away two years ago & left me this money to help me stand on me feet again. Now I am probably going to be homeless within a year. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
We received a bill in XX/XX/XXXX with a New balance for the month. We paid the full balance before the due date and did not use the card for any additional charges for the month. When we received the XX/XX/XXXX bill, which we expected to be {$0.00} since we paid the full amount, we were shocked to see that the company, Chase Card Services was charging us {$80.00} for interest. 

Obviously, we want the charges for the {$80.00} additional in interest removed from our bill, as we paid the full amount due before the due date. I am not sure why they would show you a new balance and expect to be able to charge you interest on it when you pay it in full. 

We contacted Chase and spoke to 4 different people about the issue, and all refused to remove the amount due from the card. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with Chase XXXX about a contractor who did not and would not complete work that I paid him for. After filing the dispute, with photographic evidence, detailed descriptions of work not completed, letters from the subcontractors who were working on the job confirming the work was not done and invoices from other contractors we had to hire to complete the work, Chase XXXX still sided with the merchant on the matter. Chase sited that the merchant, with NO EVIDENCE, stated that they completed the work and I was satisfied with it, that is it. that is all they had to say to win the dispute. Needless to say, if this is the way Chase backs their customers, NO ONE should do business with Chase, ever. It is pretty much a CC with no protections for their consumers and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I. Did not request or authorize chase card to make any inquiries on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!

Company response to consumer: Closed with explanation