vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are now finding out we were sold a number of loans through WAMU that had liquidated all Heloc capital on XXXX homes, and pushed a refinance on to our real estate portfolio whereby we were sold more toxic instruments of lending. 
The full, detailed statement in one of the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the suggestion of the New York Department of Financial Services, I am filing a complaint against Chase for arbitrary and capricious denial of Loan Modification relief in violation of Chase Bank Settlement decree entered into NYS Department of Financial Services Settlement Agreement, XXXX Consumer Protection. After 60 days of processing loan relief documentation, the only offer given to me was to sell my property. Lastly, I just received notice from Chase stating I have reached the end of my fixed interest rate period and they now have the right to adjust my interest rate as they seem fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
There are no contracts or signature verified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: IL

Complaint narrative:
I was contacted at work by XXXX with Premium Asset Services, a collection company. He demanded I make a payment within the XXXX or they would automatically garnish my next pay check. I explained I have a garnishment currently in effect with another company, XXXX insisted he could enforce 2 garnishments at the same time. Not true. He called my work phone a total of XXXX times within an hour. Then today My General Manager states in an email he was contacted by another XXXX XXXX XXXX, insisting that I contact him immediately. I know this is illegal and they can not harass me at work. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i have a chase freedom card in which was opened in XXXX of 2015 with a starting balance of {$7000.00} within 6 months they raised the credit limit to {$12000.00} i am now carrying a balance of {$7000.00} whick i ussually do and pay off within two months when i recieve bonus checks i have never missed a payment and have always paid the card down which im assuming is the reason they raised my limit i now am in the process of opening a {$300000.00} home equity line of credit and out of nowhere i recieve a letter that chase is closing my account because i " cause issues to the banks reputation '' this now will drop my credit score and i am really confused, being that i have always paid them on time and EVEN recieved a credit increase without asking for XXXX and now they are closing the account. i called to ask what made them come to a conclusion that " i was a risk to the banks reputation '' and they said they did not have an answer to that just that " they can close an account for any reason at any time. I am just very upset that i work hard to be a good citizen and pay all my bills and keep a good credit score then chase just over a 6 month period gives my a {$7000.00} credit limit raises it another {$5000.00} then for no other reason other than " reputation " not for late payments or no payments because i have never done such a thing so i am looking to have them reverse this decision seeing that i am a good consumer. how can they do so much like open the account raise the limit then close it all within a couple of months and i would understand if i did not pay or if i have ever made a late payment but neither of those are the case they are playing games with my credit score. plus when they raised my limit i did not request that they raise it they just did it on their own. now for no fault of mine they are choosing to close the account and affect my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I submitted a Chase XXXX transaction to an individual. Unfortunately for some reason Chase routed the payment to the incorrect account that was not in the recipients name to XXXX, even though they had a Chase account and the associated phone number is with Chase. The payment was transmitted by Chase and accepted by XXXX. XXXX had that number associated with the wrong individual and accepted the remittance even though it was not in that person 's name and was not associated with the account. Chase is saying this is a " self-service '' tool. That is not a valid response ... a check is a self service tool. For example, if my XXXX was on check ( Aperio strategy ) but my LLC that is attached to XXXX Results, was not, Chase would and should refuse to cash that check. Even though the account numbers were correct and matched, the name did n't. The same happened here and the transaction should have been refused. I 've already contacted Chase and the recipient has contacted BofA and each are blaming the other ... to make matters worse, Chase is claiming 'because it 's a self-service tool they have no responsibility. As a courtesy they will try to recover the funds. '' They have not to date and i 'm contacting you, because i 'm sure i 'm not the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She XXXX in 2010. Prior to this her FICO was near XXXX. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming XXXX and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ XXXX to $ XXXX. This was not an issue, as she rarely used the card. 
My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. 
We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we could do considering she has never been past due, over balance or delinquent in any way. 
When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. 
I have been trying to repair my mother 's credit score since her XXXX. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. 
This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In short I was scammed, it was an over-payment set up. I was supposed to tutor this gentlemen 's daughter and his attorney was leaving for vacation so he wanted to send me a months worth of payment. His attorney had left in a rush and accidentally combined my check with the money that was payment for his daughters nanny. I was asked to deposit the check and send the difference to the nanny, thinking I would see her the next day at the first scheduled session I did n't think much of it and sent it via chase quick pay. The " father '' postponed the start date of the session and the following morning the original check I had been sent and deposited was returned because it had been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I paid my bill late on the due date late in the day & send a email. Asking chase not to charge a late fee. their did & well not remove. My name is XXXX XXXX my email address is XXXXXXXXXXXX. the transaction # XXXX on XXXX/XXXX/2016 It is a XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase, none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a Chase XXXX XXXX credit card and was turned down because of having XXXX new credit accounts open within the last 24 months. However, I have a credit score of over XXXX, make $ XXXX and many of the cards counting against me have {$0.00} balances and are from small retail stores ( like XXXX XXXX , XXXX XXXX , etc. ). There was no reason to be denied and applying for the card resulted in a credit pull which had a negative effect on my credit. Chase did not clearly advertise that having XXXX credit lines would result in a denial which I find is misleading and fraudulent. Two of the cards they are counting against me have been closed ( XXXX XXXX XXXX XXXX XXXX ) one of the other " cards '' is my ATM card!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Took a trip to XXXX XXXX XXXX in XXXX 2015. Was invited to a timeshare presentation by reps for " XXXX XXXX XXXX '' working in the airport arrival area. Attended their presentation, eventually they convinced us to sell our old underused campground membership to them ( at a profit to us ) in exchange for a timeshare condo product, discounted via various incentives, presently being built in downtown XXXX. They took a down payment of {$10000.00} on our Chase XXXX Visa for purchase of their timeshare. 
Incidentally, because this was a very good deal for us ( sale of our old campground membership covering cost of new timeshare ), we actually called Chase before committing to ensure that if things fell through we could be protected ... and we were assured they would cover us. 
Long story short, " XXXX XXXX XXXX '' never provided funds via correct/save/valid escrow process to purchase our old campground membership, we never got any timeshare product from them at all, and they still have our {$10000.00}. The down payment was never returned *despite* a signed contract addendum saying monies were to be returned to original parties if transaction fell thru. 
We later found out it was all a money-laundering scam ( via XXXX ), many other parties have been defrauded in exactly the same way, by the same guys. ( Documentation is attached ). Disputed transaction with Chase, they disagree that it was fraudulent and/or not valid. However we never got a timeshare, we never sold our campground membership to them, no money was returned to us, we are out {$10000.00} and we have nothing. This was a scam. 
After we made a dispute/fraud claim with Chase Visa, Chase denied the claim. ( XXXX XXXX club simply provided " evidence '' showing a receipt of the transaction ). 
So we attached more documentation and re-submitted. Chase eventually replied with a letter stating they simply " disagreed '' that our claim was valid. Despite the transaction being a definite scam, we were " jacked out '' of {$10000.00} for NOTHING. 
Not sure how Chase can rationalize that we received a " valid product or service '' for our money. 
Chase should honor their card fraud protection guarantee with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was married and in a abusive relationship. On XXXX, XXXX of XXXX I was called in court and had my divorce granted getting my divorce degree. I then had to travel out XXXX 2 days later and left my wallet at home. Later on I found out that my ex-husband which was still in the house and had been asked and given some time to move out friendly since our divorce was consensual from both parts. He stole my debit card from my wallet and made deposits and withdraws without my permission or knowledge. Since I was out XXXX and sick XXXX I was not looking at my bank account often. I contacted the bank as soon as I was able to, less than 60 days of the happening. I was back in the XXXX XXXX, XXXX still debilitated due to the XXXX. I put a fraud alert on XXXX, XXXX of XXXX. At this occasion the fraud Claim department issued me a new debit card to prevent additional fraud and so my pin number was changed. I am a chase customer since XXXX/XXXX/XXXX, being the account solely mine. I think the bank institution not properly handling my case. since for The transactions I disputed was not authorized by me at all and they are not properly handled up to this point. When I was still married with this abusive person I did help depositing his checks on my account ; however, when we got divorced I was clear to him not to use or get anything that belonged to me at all. XXXX XXXX opened an account with XXXX 's XXXX and He had no need to get into my bank account to make any deposits or even withdraws. I was divorced at the occasion my ATM card was used. It was an abusive person taking advantage and not acting in a good faith. The bank has not given me clear answers on why the fact I was not longer married being overlooked. Even after several phone calls to the bank they still have not removed his deposit from my account neither gave me a solution for the withdraws right after in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to dispute the following information in my credit history regarding my Visa Chase XXXX MileagePluse Select number XXXX XXXX XXXX XXXX. I have noted these items and I disputed this matter more than once with Chase directly with no response or further communications. 
I have been a loyal customer of Chase Visa for the last 17+ years. My wife and I used only this credit card and utilized the strong benefits. After years of on-time payment, a payment was missed during my work transfer to XXXX, XXXX. 
On XXXX XXXX, 2013 my family and I moved from California to XXXX, XXXX. Before leaving the United States, we activated the mail forwarding services through the US post office. We paid all our bills and made sure all balances were XXXX for credit cards, utilities, telecom, XXXX and Internet services. I retained my US cell phone number XXXX XXXX XXXX, and have it on file at any utility, bank, credit card providers, etc. I made phone contact with my credit card companies to flag the impending change and possible usage of the cards abroad. The representative at Chase, in particular, assured me that will be fine, and I will be notified via mail and email if there is an outstanding balance. 
As is evident from my credit report, I was able to clear all my bills on time, except for Chase, because I was not alerted through direct communication via email, phone call or text message from Chase that there was a payment due. I firmly maintain that this does n't justify reporting me to the credit bureau and closing the account without any communications. 
Attached copy of the report I received from the credit bureaus recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Annually in compliance with regulators requirements, I receive notifications from all the credit cards I possess. Invariable hidden within those notifications is language which allows the issuers of the cards to change their rates and increase the service fees. In an economy struggling to recover and the significant loss of jobs, it has affected me and consequently the service charges and adjusted interest rate is equivalent to what the XXXX was allegedly doing that put a number of individuals in prison. Yet nothing is done to stop the banks and institutions issuing credit cards and raising the interest rates to more than 15 %. Instead of Congress and States authorizing the issuers of the credit cards to increase rates, they should prohibit any interest rate that when applied to the balance would exceed a payoff balance of no more than 60 % of the balance. Please initiate legislation that prevents banks and card issuers from exceeding 15 % in interest rate and no more than {$15.00} for any type of service fee and limit cash transaction fees to no more than {$1.00} per transaction.

Company response to consumer: Closed with explanation