vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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:
Bank 's on-line statement says I have money currently available, but the bank denied my request for a XXXX transaction increase to my debit card maximum daily limit ( well within my checking account balance -- approximately XXXX % ), because the funds were " available '' but not " collected. '' This is inconsistent statements appearing on the Bank 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was an authorized user for a Chase credit card. I am not the owner. Chase put that this card is mine and I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi, Chase made a new policy about printing bank statements. I went to my local branch in XXXX XXXX ( though I believe it is now a company policy ), and they claimed that they will charge me {$6.00} for a monthly statement printout. I believe this is unfair, both the amount charged and the fact that they are willing to charge this amount. I am basically requesting a printout of a receipt for which they are charging me .... This is especially vexing as it is not a closed transaction. What I mean is that my bank account is always active, vs. a transaction at a store. I would like something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: UT

Complaint narrative:
When I contacted the broker, I was told loans could process in as little as 8 days. When I asked if they could insure 21 days I was told absolutely yes. I am now being told 30 days at the best. 
Initially, XXXX % down was agreed upon. After committing to use their program, I was informed that XXXX % would need to be placed down. 
EVERY SINGLE PROMISED DATE HAS NOT BEEN MET. There has been delay after delay, all blamed upon other entities but, it seems to me there has been little or no sense of urgency to resolve until I get a hold of them at the end of the day and then it is too late for that day. I constantly receive promises that are not kept. The loan processor does n't work every day so there are days where no updates are forthcoming. 
In summary, I feel I was led into a loan and once I was vested in it there has been lack of communication and no sense of urgency to fulfill their promises. 
I advise anyone working with this office to be cautious about what they are promised.

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 2016-06-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had gone through a divorce and my ex-husband was to be responsible for the balance on the cc as per the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I Have been getting repeated calls from Chase auto loans at my work number for several weeks. If I pick up the phone, they hang up. If I do n't pick up, they let the phone ring. I know it is Chase auto loans because they have left several recorded messages as well. I do not have a loan with Chase auto. I have never had an auto loan in my life. Clearly they are trying to reach someone else - they never say who the call is for in their recorded messages. The number one of the callers has used is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a loan with Chase Bank. I was denied they say based on credit report from XXXX. They stated ( 1 ) serious delinquency ( 2 ) Number of accounts delinquent ( 3 ) Too high revolving or revolving accounts ( 4 ) length of time since accounts delinquent. This is false. # XXXX Public record ago paid. I have no accounts delinquent. I have no high credit balances as XXXX dollars was in my Chase account. Length of time?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! 
The loan is over the statue of limitations.

Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase company did not properly credit the payments that I made XX/XX/XXXX in the amount of {$950.00} and XX/XX/XXXX in the amount of {$950.00}. This payment should have been credited to : XX/XX/XXXX payments. I spoke with XXXX XXXX in escalations on XX/XX/XXXX and request that our recorded conversation be referenced if you have any questions. XXXX stated at the end of our call that once XX/XX/XXXX payment was credited to our account we would be current. XXXX was aware XXXX payment in the amount of {$950.00} was already sent by my bank to Chase and stated she would " watch '' my account over the next few days to be sure it was credited. XXXX payment was received by Chase XX/XX/XXXX. My financial institution, XXXX XXXX XXXX XXXX, sent a payment history from XX/XX/XXXX to present to Chase on multiple occasions during this process to aid in their error processing. 
Chase failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. Chase 's letter dated XX/XX/XXXX stated our payment would change to {$950.00} as of XX/XX/XXXX due to an escrow review. I spoke with XXXX in Chase Customer Service last week and she stated that the " system did n't update to show the lower payment '' and that she was fixing the system to reflect the lower payment and that our account would be current and due XX/XX/XXXX. 
I have attempted to contact my customer service representative XXXX XXXX via voicemail and fax, I have not received a return phone call or answer to my concerns from her. Chase sent me a letter stating XXXX XXXX was my customer service representative. I did speak with the escalations department and they stated to " ignore '' the " acceleration warning '' I received dated XX/XX/XXXX as he showed the account to be current. 
Today I spoke with XXXX XXXX at Chase Escalations department to verify the situation was resolved and our account was due for XX/XX/XXXX. XXXX stated she " was n't sure what happened '' and that the escalation department, XXXX, " closed out the case '' and the error remains. I have called Chase multiple times over the past few weeks and was told the error was being corrected and that I did not need to do anything additional to have the error corrected. XXXX stated today that she opened another case in the escalations department and that it takes " at least 5 business days '' to fix the error. XXXX did not see the escrow payment change XX/XX/XXXX in the system however could see the letter Chase mailed to me reflecting the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last year I filed a Chapter XXXX Bankruptcy to reorganize my real estate debt in XXXX XXXX County ( Case No. XXXX ). 
Chase bank attorney XXXX XXXX representing all Chase bank for my case. On XXXX XXXX you have denied my motion to stay and my appeal and approved. XXXX XXXX filed his own plan to liquidate all three of my properties, those that were underwater and those that were not. 
On XXXX XXXX the final plan was issue. XXXX XXXX XXXX, an attorney, was named the disbursing agent of XXXX XXXX plan. Two weeks after XXXX XXXX plan of liquidation was confirmed, XXXX XXXX drained all the funds in my XXXX debtor in possession bank accounts for total of more than $ 50K, without left any money left for my foods, gas, and bills pay. 
If I had not filed the Chapter XXXX and sold the homes myself I would have approximately {$500000.00} because of the equity. Now when XXXX XXXX 's liquidation plan is over my XXXX family members will be homeless with XXXX kids from XXXX yrs old, elder parents and XXXX sister-in-law. 
My attorney was intimidated by the Judge, Chase attorney XXXX XXXX and XXXX XXXX, and did not file an appeal. I have no recourse. I am desperate ; I do not know what to do. As this point I even do n't know if I still have a patience continuing to wait for my BK attorney can do anything to help me. 
As a normal person who 's is not in law profession would ever think to filed chapter XXXX can turn their life from bad to worse. I only think chapter XXXX where they allow debtor to reorganized my debts to affordable payment plan so I have a chance to keep my properties and back on track with my financial hardship. But after the court approved Chase plan they 're intentionally to push me to ended of the road, where all my family and I to be living on street and without pennies to survived. 
My attorney and I are trying to work with Chase so I can bring in certain amount of funds to settle for all of my XXXX properties but Chase attorney did not want to accepted. Rather than to put my house on the market for sale and want to eviction me out of the home if I do n't cooperated with them to sale to my property. 
I trusted the system to be fair and unbiased, and that the outcome that I would achieve through the United States Bankruptcy Court would be better than the outcome that I could achieve on my own. I was surely wrong. The outcome of this case has left me stunned and in utter despair. I can not function and do not know where to turn next. If you have any suggestions, or may have thoughts on what we could do, it would be greatly appreciated. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC
State: OR

Complaint narrative:
Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed a complaint prior to this XXXX asking Chase Bank ( the holder of my credit cards to lower the interest rate on my cards ( I have a perfect payment record on all my cards ). They did nothing. Since that time I have paid off my credit card debt, have XXXX balances on my XXXX Chase cards and have a XXXX Credit Score- an excellent score. I have since contacted this bank and was told there was nothing they could do. The interest rates range from 19.99 % to 29.99 %. I appreciate the fact that we have the CFPB, but I also believe that this bureau needs the muscle to force these banks to do the right thing. They respond immediately when a complaint is filed, but do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Unifin Inc.
State: AZ

Complaint narrative:
Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Upon trying to setup my account information after my loan was sold to Chase, I was informed that my external account was in use by Chase, however I nor any family member have a Chase account. After calling I was informed that I simply need to add XXXX to the account number. Upon trying to deduce exactly why my external account information was being used the senior online associate continued to avoid the question and upon further requesting information the senior associate disconnected the line. After calling back and being routed and rerouted I was told to send an email. Im astounded by the lack of concern with system noted fraud and identity theft

Company response to consumer: Closed with explanation