vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have medical Ins and this and my co-payment is XXXX and then people are playing game with my credit and it cost me an apt . any way I filed a bankruptcy in XX/XX/XXXX. I have a bill that was put on my credit in XX/XX/XXXX there is no way that I have a medical be that high ... for a co-payment for XXXX when its only XXXX los t looked back on my credit report and the y put things back on there for a Bankruptcy from XX/XX/XXXX. that not legal. so I am file this with you and if they do n't remove that off my credit I will take them to court for there dirty fraud and harassment. there was a person from this company who called me one day and say if I did n't pay this that they were going to keep calling and get me fired from my job. well my supervisor was sitting there so I gave there the phone and they stop calling and now there calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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:
I have been charged numerous overdraft fees because, according to Chase Bank, I did not uncheck the overdraft protection box. I now owe {$350.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: NH

Complaint narrative:
Worldwide recovery in california has been harassing me continuously at my work and calling my cell phone. They have gone as far as to tell my employer that they are sending someone to arrest me at my work if i do not contact them. I have asked for them to send me information in the mail and they refused. I want them to stop harrasing me. If i owe a debt snd me a letter with proof and we can work something out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around the end of XXXX, 2016, I received a Chase ( Amazon Rewards ) credit card with a {$9000.00} limit. I did not order nor apply for this credit card. I contacted Chase to find out what was going on. They told me they knew about it and had received other cards. The woman at Chase gave me XXXX credit alert line. She said she would cancel the card. I was not told who applied for the card. I was given NO information at all. She also mentioned that they may have applied for more than one card in my name. To date, I have not heard from Chase except to receive in the mail a notice of their privacy practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear XXXX On the morning of XXXX XXXX, 2015 I got in my e-mail box an alert from my bank JP Morgan Chase that my account was overdrawn by {$41.00}. I was waiting for a transfer from a retirement account to my other bank account at XXXX XXXX XXXX. This transfer was available to me only at about XXXX or XXXX in the afternoon as on my XXXX minutes break from work, I rushed to check again. I had gone during lunchtime to a XXXX XXXX XXXX branch to check if that transfer was available. It was not. Therefore, I was unable to rush, at about XXXX or XXXX on a short break to go make a deposit to JP Morgan Chase. It against work policies to leave the immediate locations of work place. Off of that first job, I went to my newly found second job and did not get off until XXXX. On my way bank, I stopped at the branch of JP Morgan where I bank to make a deposit of {$260.00}. But before doing this, I asked the ATM machine for a statement which read : " Available balance - {$41.00} ''. I then made the deposit and mentioned above and got also a receipt for it. To my biggest surprise, I received, yesterday, on XXXX XXXX, an alert from Chase which was confusing to me, stating that " There was insufficient funds to complete the deposit ''. Alarmed by this message, I went online to check the status of my account and was dumbfounded to XXXX that Chase charged me a {$34.00} fees for those {$41.00}. I found this abusive and this is not the first time I had this sentiment about the fees Chase charged me for overdraft. I readily accept some of the fees, some I contest but this latest is XXXX of the most unfair, outrageous that Chase charged me and that I would like to review and ask Chase for its reason for doing so as it also charged me fees, still, whereas, I transferred money from a saving account fees that I have with the same bank to a checking account. 
I would like a review of all the fees Chase has been charging me since I bank with it and a refund for those fees that have been charged abusively and any other action your agency deems appropriate. 
I thank you for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We talk auto lender to extend time to pay my monthly payment and thay agreed but before time thay repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Something in the last 30 days has been changed regarding receiving XXXX through Chase Bank. They implemented a new automated procedure that disallows the recipient to 1. not receive a payment and 2. to choose what bank account will receive the payment. I would like the option to accept XXXX at my leisure AND at the same time have the option to choose which account the payment will be accepted ( as was prior to the last 30 days ). I have multiple accounts of which receive payments each month. In the past, I had the option to change the " default account '' to accept the payment into the chosen account. With the Chase Bank new set up in the past 30 days, this is NOT possible. The solution would be to have an onLine option to CANCEL the NEW automated feature so that those who need to cancel automated receipt of XXXX, that option would be available. I also can not believe that it is LEGAL to mandate that a recipient MUST receive electronically any payment. Makes no sense to mandate any recipient to receive funds. Please advise and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received a Balance Transfer offer from Chase Bank which explained the terms of 0 % interest for several months and a XXXX % transaction fee. See uploaded documents. I used the on-line transfer mechanism to complete the transfer of an account balance from a XXXX 's credit card of {$15000.00}. The Offer documents contained no reference to any special repayment terms ( method of calculating ) that would be implemented if I took advantage of the offer. I have been a long term customer of Chase with an 18 year experience base with payments regarding my credit card account. At no time during those 18 years did I ever encounter any minimum repayment terms that were more than XXXX % to XXXX % of the account balance. When I checked my account several days after completing the transfer I saw that a payment was due of some amount ( was not in excess of {$150.00} ) which I promptly made a payment of {$150.00}. several days or maybe 10 days later I looked at the account on-line to make sure that my payment had been recorded wherein I discovered that the upcoming minimum payment due was {$750.00} ( by memory ). I was shocked but thought that since I had just recently completed the transfer and had made a payment that maybe there was some type of glitch that caused the unheard of minimum payment. I thought that I just needed to give it a few more days to sort out the obvious error. But the Minimum Payment has not changed. The situation prompted 2 or three phone inquiries to Chase where in I was first told that the minimum payment calculations had recently been changed to be XXXX % of the unpaid balance. I asked that to please tell me when and how such notification occurred. To which I was told that a letter would be mailed to my home address. I was not told that these new terms were made known to me or that they were included as part of my account or that these re-payment terms were a part of the Balance Transfer offer. On my last call ( today XX/XX/2016 ) the man who looked at my account began by telling me that minimum payments are calculated at 1 % of the unpaid balance plus interest and any late fees or penalties. He then stopped after looking at my minimum payment and said that the rate was XXXX %. This is a clear case of unfair and deceptive consumer practices. An offer was made, of which I accepted and then new terms are applied to the transaction which will put my account in default and result in additional fees, penalties and charges. 
I want the repayment terms to be established at no more than XXXX % of the unpaid balance and any extra fees, penalties or interest charges to be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase united mileage plus credit card unable to redeem award points XXXX plus points

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was ripped off by Chase. Over the past weekend I sold some tickets to a musical event and was asked by the buyer if I accepted Chase XXXX Pay. I said yes and then called the Chase customer service line to inquire if there was any way that the buyer could cancel the transaction or if I would not receive the funds because of fraudulent activity. I was told that the only way this would happen is if I were to decline the funds. Once I received the quick pay email I then accepted the funds and handed over the tickets to the individual who had just paid me, in my mind, via Chase Quick Pay. I was also informed that the quick pay service could not be used if the person buying the tickets did n't have enough funds or credit to purchase them. Chase 's policy states exactly that sufficient funds or credit is required to initiate the purchase. Wednesday I saw the funds posted into my account and felt a sense of relief. About an hour later I received an alert stating that the transaction was cancelled due to insufficient funds. I said how could this transaction even been initiated if there were insufficient funds? They told me that I needed to wait until funds posted to the account and that it was not their responsibility to insure these transactions. I again asked how the transaction could even be initiated if there were insufficient funds? After 4 hours on the phone they said the executive branch would look into it. Three days later they left a voicemail stating I was out of luck. Should n't Chase be responsible. Their policy states that the funds must be there to initiate the transaction similar to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank agreed in XXXX, 2016 to a closing date of XXXX/XXXX/16 for a house we bought. They were unprepared on XX/XX/XXXX, but said ( daily ) they only needed another day or so. The seller let us move in anyway, as they had moved out and were enroute to Colorado to close on their new home. I called and emailed XXXX or XXXX different people at Chase daily, and almost never got a return call or email in reply. Chase delayed day by day, not closing until XXXX/XXXX/16. We had to pay our sellers ' out-of-pocket expenses of {$4600.00} to get them to extend our purchase contract past XX/XX/XXXX. We have asked Chase repeatedly to refund the {$4600.00}, and they have hinted that they will, but they are ignoring my calls and emails. We would like Chase to pay the {$4600.00} cost we incurred because of their delay. In addition, Chase 's rep, XXXX XXXX, promised to get our loan origination fee of .XXXX % waived at closing, but it was not. We would like that amount refunded, too, because of the promise they made AND the ordeal they put us through. Our sellers called us " squatters '' and even told some neighbors of our problems getting financing. It has made moving into the neighborhood uncomfortable, all because of Chase 's incompetence. Our credit, income and assets are very good - Chase is the entire problem here. I have dozens of emails and recordings that document their failures to perform, respond and make repeated requests for documents already supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Service fees on checking accounts? Really? I did n't realize they had even started doing that till I was out of work. Then I was penalized because I did n't have enough money. I did n't even over draft. I simply did n't have the minimum balance to avoid a fee. The logic on this is backwards - if you have money, your checking is free, but if you 're barely scraping by, we 're going to penalize you by taking even more money out of your account? I bank with Chase. If I can find a bank that does n't charge me simply for keeping my money in a checking account, I will change. But this is usury. This is what monopoly looks like. This is what no regulation looks like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was an account holder at Chase Bank in XXXX. WA. I went to an ATM and saw I had about {$240.00} extra in my account. I thought it was strange so I immediately went into the bank to consult with the teller who was also a branch manager. I told her that I thought there wasnt money in my account, but it was a possibilty as i had just gotten a large deposit and wasnt sure if I had miscalculated my account. I explained this to her and she repeatedly told me that all my payments went through and this was my left over available balance. She then proceeded to list all of my transactions to make sure we werent missing anything. After I was sure we had went through all of them, I said I might as well withdraw the money. I withdrew around {$240.00} in cash and proceeded about my day. About 2 weeks later, I get a notification my account was around {$240.00} overdrawn and my account was being closed. I called immediately with little to no help. I went to another branch and the branch manager from another branch said he would give me a call to clear the air and get this resolved. Here we are about 6 months later, no phone call. I believe it is Chase Banks responsibility to notify and explain all account over drawn info. Also the fact that I was in the bank when i withdrew this money and was repeated told by the branch manager that I was in the clear and I was more than okay to withdraw this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The above mentioned account is being reported as severely derogatory on my credit report. 

Late payments being reported : 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 

7 ) All address change requests and the fulfillment of the payment change.

Company response to consumer: Closed with explanation