vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was denied access to my funds at the Chase branch located at XXXX XXXX XXXX XXXX, NY XXXX. I was a victim of profiling and discrimination at this location and forced to use another Chase branch to conduct my transaction. This event has caused me a lot of pain and suffering and will be considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank keeps charging me fees of {$34.00} and it is becoming too much, if the money is not there they should just bounce the check, or take it from another account as I thought that is what we agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.

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

Complaint narrative:
On XXXX/XXXX/16 I visited a J.P. Morgan Chase branch located in XXXX due to an advertisement that was sent to my email. I asked a simple questions in regards to what would the requirements would be to open an account with this bank, they stated I needed two forms of I.D . and my social security. At that point I asked if my social security number was mandatory to obtain in order to proceed with the account, they stated that it was a type of U.S. Law that required me to provide that with any account. After I was verbally told that specific information, I pulled up this website that states that a social security number was not a requirement so they proceeded with asking more personal information, thereafter I was told to leave the branch due to not qualifying under their policy. This situation was embarrassing and made me feel discriminated against. No disclosure or acknowledgement where in the advertisement stating what they mentioned to me in the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a chase XXXX card. I was offered to " upgrade '' to a " premier visa '' for a higher annual fee. In return, I was offered XXXX bonus points after spending {$3000.00}. I completed the upgrade and spent {$3000.00}, but did not receive the points. When I called to inquire, I was told " I am sorry but our system will not allow us to award the points to an upgraded account ''. When I read the offer, the customer service rep said that they understood because they have received the same complaint from others, but the system prevents them from fulfilling their offer. My issue is that I met the terms and increased spending based on this offer, and now Chase is not meeting its end of the offer, and the customer service rep acknowledges that this is a problem where they are misrepresenting the offer. As a result, I informed rep to cancel my account on XXXX/XXXX/2016 and that I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
To Whom It May Concern : I served XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX, cumulating over 26yrs of faithful and dedicated service. I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

The Servicemember 's Civil Relief Act ( SCRA ) enables servicemembers to devote their time and attention to the defense needs of the Nation by providing protections related to such things as rental agreements, security deposits, prepaid rent, evictions, installment contracts, credit card interest rates, automobile repossessions, mortgage interest rates, mortgage foreclosures, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments. 

Recently, my wife and I received a letter from JP Morgan Chase, stating, " We 're writing to apologize because we may have charged you interest and/or fees incorrectly when you may have been eligible for Servicemember 's Civil Relief Act benefits or protection. 

In addition to being a JP Morgan Chase Credit Card member since XX/XX/XXXX, my wife and I financed our home with JP Morgan Chase Mortgage on or about XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, my wife and I sent a letter to the JP Morgan Chase, requesting the following documents/information : Audit ruling, interest rate ( s ) from XXXX XXXX, XXXX to present, charges, and fees from to XXXX XXXX, XXXX to present, interest rate increases and/or decreases from XXXX XXXX, XXXX to present, date ( s ) of increased and/or decreased interest rate from XXXX XXXX, XXXX to present, and an IRS Form XXXX ( Miscellaneous Income ). 

On XXXX XXXX, XXXX, I met with an XXXX Legal Assistance Officer. The Officer determined that Chase has settled a class action lawsuit regarding our SCRA situation. The Officer also contacted JP Morgan Chase to inquiry about the documents we requested. The JP Morgan Chase representative told the Officer that we needed to submit the request to the following address : Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. We mailed the aforementioned letter via certified mail to the address provided by the JP Morgan Chase representative on XXXX XXXX, XXXX. 

Based on the aforementioned discovery, we believe that our rights under the SCRA were violated because over {$100000.00} were charged to the card from XX/XX/XXXX-XX/XX/XXXX. Additionally, more than {$8000.00} was charged to the card during my XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

We are requesting that our SCRA matter be reviewed to determine if we are receiving an accurate refund for interest and/or fees accessed while we were eligible for the Servicemember 's Civil Relief Acts benefits. 

Your immediate response, time, and assistance in this matter are greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am a Colorado member of Chase bank and hold XXXX accounts with them : XXXX checking, XXXX savings, XXXX mortgage, XXXX auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other XXXX accounts since I do n't have a debit card directly linked to them. I recently noticed that a {$20.00} bank fee has been taking from my savings account monthly since XXXX 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My brother and I located an ad on XXXX offering discounted airfare. Contacted the ad, was advised that they could book our airline tickets at a discounted price. The other person booked our air, provide us with confirmation numbers, I even called the airline to verify. 

My brother thought it was ok since we had proof of our tickets. He wired {$5200.00} to the receipents bank. Two weeks later XXXX out of the XXXX tickets booked were canceled per the airlines due to fraud. I then contacted my bank and the receiving bank. The receiving bank advised to file a recall wire transfer, we did so. Plus the receiving bank wanted an indemnification agreement. Our bank refused saying that our situation was not classified as fraud. It is fraud. I have police reports as well as fraud reports to prove otherwise. The gentleman who took our payment for the airlines basically laughed at us telling us there was nothing no one could do even the fbi

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have XXXX credit cards with Chase Bank. In the past 2-3 years I have sent well over {$600000.00} using their cards. From the very beginning of using their cards, I have never been late XXXX single time for a payment during any month. When I make payments, it is usually in thousands of dollars done XXXX or XXXX or 4 times a month. They say I am a very good customer and thank me for making them so much money as a good customer. As they make their XXXX % on my balances, at the same time they are reporting to the credit reporting agencies that I am a risk of missing a payment and the reporting agencies have labeled me as a very poor credit card risk with a very poor utilization since I use so much money. They rate me very poor and this reflects in a lower credit score of about XXXX. With a score that low many underwriters take my application for growing my business and deny me the opportunity to borrow money to make more money. The credit card companies would like me to use not more than 15 % of the limit showing I am worthy, but then I ask what is the point of having a credit limit, especially if I can utilize that {$15000.00} limit and make those payments with no lose or risk to them. It appears the banks have it both ways in that they make a ton of money off me, get paid, never chase me for money and tell all creditors I am not worthy of any additional credit. What the banks and the credit agencies do not even consider is my mrtage payments monthly are about {$9000.00} a month and I have not been late in the past five years with any payments. The characterization of the credit card agencies does not give an accurate profile of what I can afford in a monthly payment. If you look at the payment history of my profile, not only do I make the monthly credit card payments, the mortgages, the loans and when all monthly payments in my life are totaled they approach {$30000.00} a month. BUT, the credit reporting agencies are telling everyone that looks at my credit that I am a poor risk because I utilize my credit with the banks. Since the banks are in business to make money, and they do make money off of me, how is it fair they can also tell any creditor who looks at my profile that I am a very poor risk. This is wrong, everyone I speak with tells me this is wrong and yet in the banks and the credit agencies continue to demonize me financially and should not be allowed to do that. I can not refinance anything or borrow any money due to the erroneous profile of the banks and the erroneous profile the credit reporting agencies give me. I am livid they have the power to get away this this sham and what makes me even more angrier that no bank will answer my concerns and credit reporting agencies use the rhetoric of " we only report what we are told ''. The XXXX agencies should be investigated by the government because XXXX out of every XXXX people will all say what they mess they make of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I reported identity theft to Chase bank for someone stolen my credit card and ATM / Debit card to go to Chase bank system and setup online banking changed my current home address, forward all my statements to somewhere and withdrawal all my chase bank checking / saving account fund from XX/XX/XXXX to XX/XX/XXXX. I have all evidence and identified as unauthorized. XXXX gave to Chase bank XXXX Id theft report case #, FTC id theft report case #, USPS Inspectors id report case # and Office of XXXX District Attorney id theft report case #, XXXX bank Faurd and Claims Dept. did not get deeply invstigate for my identity theft report cases and just denied all my claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I called Chase to find out if I could move my due date. The guy I spoke with was very nice, he told me I could not change my due date but what he could do was set up payment arrangements to avoid that XXXX $ late fee. I owe XXXX $ a month and was paying {$1000.00} every month before the end of the month, it was just after the XXXX of the month causing me to have a XXXX $ late fee. I was n't too worried about the late fee, just did n't like being late due to the way my paychecks fell. He proposed that I not pay XXXX to give me time to save up the extra payment then for the next 6 months pay XXXX $ that would end up covering the missed payment in XXXX and my payments would not be due till the XXXX. That sounded great. I said sure. I received an agreement in the mail that said no need to respond to continue on about this payment plan just make the payments as follows. I did and I paid the XXXX $ on time like i was supposed to do. Come XXXX I received a certified letter in attempt to collect a debt from my past due payment for XXXX for Chase. I called and they said yes that is correct, although I had a payment arrangement they were still required to turn in I was past due for not making XXXX payment. I was really really upset! Had I known this would effect my credit I would have continued to pay the XXXX $ late fee. That was n't bothering me!! I paid up my mortgage to get out of this plan and so it would not be turned into the credit burrow anymore. I spoke with a representative who said he would look into this. He called me back and said unfortunately they can not do anything to fix what had been turned into the credit burrow, he could however send me a letter saying I am up to date. That does not fix my credit! That also does not matter to anyone trying to give me a loan! I have never missed a payment until I was told NOT to pay XXXX. There is no way to go back and change this now, I would have never agreed to this payment arrangement that would save me XXXX $ a month but ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.

Company response to consumer: Closed with monetary relief