vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I never opened a chace credit card in XX/XX/XXXX I 'm assuming someone else did with my information had a purse stolen back in XX/XX/XXXX from a bar ... This person stole everything I had in my purse from checks to my cellphone and all sorts of information ... just noticed the date on this knowing it was somthing I never did did n't have credit card at that time ... so idk what to do because it was n't me who applied or got a card at that time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2015, I placed a stamped addressed envelope in my mailbox to mail a XXXX check to our lawn maintenance person. The check was made out in his name. Somewhere, either out of my mailbox or in transit to his address the check was stolen and was altered to read made payable to my lawn man and " another name '' in the amount of XXXX. The check was forged on the back with his name and the thief 's name and cashed ( presented at XXXX ) and the money was taken out of my account. I immediately notified Chase bank and filed an Affidavit of Unauthorized Endorsement or Altered Item with Chase, filed a police report and tried to contact XXXX XXXX on my own. Chase bank told me they will not give me a curiosity credit while the investigation is going on, and they are at the " mercy '' of the other bank ( XXXX XXXX ) to respond to their inquiries. None of these entities will help me. I filed another investigation with the executive office of Chase bank, who informed me I have to wait a minimum of 90 days for a response from XXXX XXXX, then another 30 days after that, if no response is received my case is closed, and I may never get my money back. 
Being an XXXX on a very fixed budget and with very, very little savings, the loss of this money hit very hard. It caused me to incur a lot of debt, late payments, and fees. I feel as though I have no one really trying to help me not only get my stolen money back and find who stole my check, but that Chase bank is not taking any responsibility for their negligence with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Good dayToday i found out my bank account is frozen and ready to be closed. 
And i am victim here with have worked for a company whoi now realize send me a Bad or Fake check. 
for an ammount of XXXX dollars and XXXX ct. 
That my account will be closed because of this, i really do n't like.. I all ready needed to find out, that iworked hard and in the end not being paid for it. 
Because the Check is not good. So on that i am a victim of peoplewho hired me for doing a XXXX job. Got cheap labour. 
But the problem now is that i am also because of that about to loose my chase bank accountand that i do n't think is fair. 
So is there any thing, that can be done, to not have my bank account being closed? 
Hope that this problem can be resolved and that i can keep my chase account activeRegards

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Approximately 7 years ago, a " Penalty A.P.R. '' was applied to my Chase XXXX credit card account. Since then, this credit card account has been in good standing with on-time payments. Additionally, I have XXXX other personal Chase credit cards that are in good standing, I had a Chase bank mortgage for my former personal residence in XXXX, California that has been paid in full, and my business savings account has had an average collected balance of over {$25000.00} while earning virtually very little interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX, I had a dispute with XXXX regarding an internet services. I ordered 20mbps of internet speed, and XXXX only gave me less than 1mbps. So I refused to pay XXXX. I worried that XXXX might charge me on my credit card, so on XXXX 2015 I phoned my credit card company, CHASE ink, to block any charge from XXXX, and CHASE promised me the whole thing. But on XXXX/XXXX/2015, CHASE accepted a charge of {$360.00} from XXXX, and put it on my account ( my account ending in XXXX ), and had me to pay for it. I started dispute with CHASE since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Mortgage foreclosure/ Trustee Sale on XXXX XXXX, XXXX already faxed in the loan re-modification form to Chase. So far, there is no answer yet. In the mean time, we might precede selling our house or applying for Reverse Mortgage Program, or filing bankruptcy. Your prompt attention to help us postpone the sale date would be appreciated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXXChase XXXX. XXXX XXXX XXXX, OH XXXX : Chase Bank Mortgage Account # XXXX paid {$670.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX for above referred mortgage account monthly payment ; {$670.00} for XXXX and {$2500.00} for XX/XX/XXXX. But Chase Bank only credited {$2500.00} to our account and did not credit the other {$670.00} XXXX. It was cheating and violated the consumer law. A copy of payment record is attached. 
Chase Bank setup escrow account to pay for house insurance and property tax. The attached XXXX monthly mortgage payment notice indicates that Chase post {$1300.00} as our property tax payment. Actually, Chase Bank only paid {$410.00} on XX/XX/XXXX for the house insurance but not for property tax. Instead, we paid the property tax {$2300.00}. Fraudulently, Chase posted and charged us {$1100.00} and {$550.00} as current and next escrow account payment. It 's a fraud scheme. Chase Bank Mortgage Corporation violated the consumer law by unilateral manipulated and modified home mortgage policy without notify and having agreement from the customer. 
Unless you correct your mistakes and reimburse our loss within ten days ; otherwise, we would complaint to proper authorities. 
Truly, XXXX XXXX Attached : - Chase Bank Mortgage Corp. account monthly statement. - Recent Mortgage On line payment records. - Property Tax {$2300.00} Paid on line confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 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:
Chase bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase charged {$5000.00} in unneeded overdrafts things like charges going through twice can you demand that Chase open a new account with the XXXX in the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase abruptly restricted my checking account for 3 days preventing me from using my own cash because apparently they sent me a letter asking my wife 's employment status and we did n't respond to this letter. They restricted my account without giving me any notification for such a simple reason. I was very negatively affected by this dumb decision because I did n't have any cash for 3 days and I could n't pay my bills and I almost missed my mortgage payment on my primary residence. Which one is more important to Chase? My wife 's employment information or my life, access to food and housing?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase bank is charging me 17.10 % interest on this credit card.

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:
Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had my accounts with Chase for years. I got a letter stating they decided to close my account and I called which at that time was told they did not have to disclose why and I requested to speak to a manager and was told nobody had to disclose why they decided to terminate our relationship. I was then put on hold for a hour which at that point I hung up the phone. I even have my auto loan with them. I am a great customer and feel like there is no reason my account should be closed with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 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: PA

Complaint narrative:
This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Auto Finance did not post my payments, has been charging me late fees for years and now repossessed my car. Do not do business with these crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK MORTGAGE LOAN # XXXX WAS NEVER AGREED UPON AND MODIFICATION NEVER SIGNED, CHASE HAS SINCE AQUIRED XXXX TO TAKE OVER LOAN WITH A NEW MODIFICATION XX/XX/XXXX, CHASES AND XXXX HAS COMMITTED DUAL TRACKING FOR OUR PROPERTY XXXX XXXX XXXX , XXXX CA XXXX WE RECENTLY RECIEVED OUR FIXED NOTE ( PAID IN FULL ) WITH THE CHASE LOAN # XXXX AND A FULL RECONVANYCE WITH THE XXXX LOAN # XXXX BOTH LOANS HAVE DIFFERANT LOAN NUMBERS AND DIFFERANT XXXX # FOR THE SAME PROPERTY. THEY STOLE OUR PROPERTY OF OVER 23 YEARS AND WE WERE CURRENT WITH OUR ! ST LIEN HOLDER, AND NOW THEY SOLD OUR PROPERTY UNDER OUR NAME FOR XXXX, BUT SENDS A RECIEPT FOR {$150.00} WE WERE EVICTED OUT OF OUR HOUSE IN XX/XX/XXXX BY FRAUD AND THE PROPERTY IS STILL IN OUR NAME IN XX/XX/XXXX WITH CORRESPONDANCE OF FEES AND INSURANCE CLAIMS ON PROPERTY, BUT WONT SEND OUR FINAL CLOSING STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid {$980.00} for a website, logo, & web hosting on XXXX/XXXX/XXXX on my Chase Visa card. I indicated that I wanted the website online by XXXX XXXX. XXXX agreed. I made repeated requests to XXXX to see the website, even if it was unfinished. Those requests were repeatedly denied and ignored, verbally and via email. After emailing, calling and texting XXXX for a week, I decided to terminate the business relationship on XXXX/XXXX/XXXX. I did a charge back with CHASE Visa for {$980.00}. Days later, I reached a settlement with XXXX where I would pay {$360.00} for XXXX to finish the logo ( unfinished at time of termination ) and for web hosting ( completed at time of termination ). I indicated that I would not pay for a website I had never seen, despite repeated demands to see an intermediary or final website product. XXXX agreed. Months later, CHASE Visa ruled in favor of XXXX and sent the {$980.00} back to XXXX, explaining that XXXX proved work had been done on the website. XXXX and I both know that a website has never been produced or delivered to me as the paying client. I did n't pay money for XXXX to allegedly work on a project and never deliver a final product. I, the paying customer, have never seen any work that was allegedly done on the website from XXXX XXXX to XXXX XXXX. There is no signed contract for this agreement to provide services. XXXX has been unjustly enriched to my detriment and Chase facilitated this fraud by returning my funds to XXXX, who failed to deliver the agreed upon service and product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: MD

Complaint narrative:
Called my supervisor and harassed my supervisor about me, leaving threatening messages on my cell phone and work phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I wanted to express my frustration with Chase Bank process of processing claims and managing security of customer funds ( checking accounts in particular ). On XXXX XXXX, 2016 I mailed XXXX checks to pay monthly bills. Both envelopes stolen from mail box, checks altered to someone 's private name ( same name in both cases ), amounts altered as well ( same amounts of {$350.00} written ), my signature left intact. Both checks were cashed on the same day XXXX XXXX, 2016 in XXXX closely located Chase branches in XXXX XXXX, WA for the same amount of money by the same individual. This is outrageously out of my pattern of spending which is not monitored at all. I also held Chase visa card and I had similar pattern of forgery which was INSTATLY detected and fraud stopped without financial losses, why same bank does not apply same rules for different accounts? The computer programs are in existence to determine account activity pattern and anything out of ordinary must have raised red flag. Besides that, even looking at electronic images of my checks I can see forgery not to mention originals which BANK has in its possession. It was an easy thing to detect as criminal was not very wise. But the bank clerks were even more stupid to allow for this. When I filed the claim clerks stated it was my responsibility to monitor my money. REALLY? Why would I be so stupid to deposit it in the bank then, I will keep it at home. As a result of submitted claim I now have to wait up to 120 days to get the money back. Really? Bank instantly issued my money to a criminal and law abiding citizens have to wait 120 days? I must have my money back as soon as claim is accepted and affidavit signed. When I requested claims clerk to explain what would be done as corrective action in this case she stated nothing, there are limitations what they can and can not do. Are you kidding me? So there is no quality Assurance function there like everywhere else? Wait for another financial crisis then, nobody will deposit money into your bank soon. Chase must perform preventative and corrective measures like any other industry does for consumers safety and financial stability. I work for XXXX. I can not imagine we blame our customers to monitor their own XXXX. This is outrageous and must be monitored by government. The processes today eventually do not preclude bank form accepting fraudulent checks. The must change then. And quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX XXXX-paid in full with XXXX balance need to come off credit reportXXXX XXXX XXXX XXXX paid in full XXXX balance need to come off credit reportChase Card -paid off XXXX balance needs to come off credit reportXXXX XXXX-XXXX balance need to come off credit reportXXXX XXXX paid off need to come off credit reportXXXX XXXX- Recent balance not updated-paied monthly payments

Company response to consumer: Closed with explanation