vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please Help! I believe I am being discriminated against by JP Morgan Chase while trying to refinance my home. 
On XXXX XXXX, 2016, I started the process to refinance my home. After checking my credit and sending all the appropriate documents to determine eligibility for the refinance loan, I was approved. I sent all the appropriate documents to the underwriting department ; each time I send the paper work that is being asked. The underwriting department comes back with something else that needed. 
The underwriting has documents and proof that prove I can afford the loan and will pay the loan promptly ; however the underwriting department with JP Morgan Chase bank continues to make the process difficult for me. I am not asking JP Morgan Chase for a favor ; I am just asking to reduce my interest rate through the XXXX program. With my credit score, equity of my home, and mortgage payment history, the interest rate for my current mortgage should not be 7.11 %. 
It has been almost three months since I have been going through this nightmare. I feel I am being discriminated against because I am XXXX. The Bank has proof I can afford the loan, because I have been with my employer for 20 years, and pay all my bills on time. For the past month, every time I check my XXXX XXXX it is above normal. The underwriting department is request information that does not pertain to me paying my mortgage. I have never encountered such discrimination in life. The underwriting department should not judge the consumer by XXXX their skin on the identification card picture sent to them ; but instead by the individual financial status and history of repaying a loan. 
Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Beginning XX/XX/XXXX and into XX/XX/XXXX, my account was fraudulently and repeatedly charged a large sum of money over the course of a month by a company called XXXX. On XXXX XXXX, I filed a unauthorized charge claim with Chase and was denied because I had logged into my account a number of times during the month of XXXX. I noted to the claims specialist that I had n't noticed the charges earlier until the largest fraud occurred and only logged on to pay my credit card bill. Because I had logged on during the month of XXXX, my claim was denied. I asked to appeal the claim because it was fraud. Chase never even investigated the claim with XXXX and I was stiffed out of money that is rightfully mine. Upon hearing the decision, I asked to appeal the decision and was rudely treated by their claims agents who could seemingly never connect me to a claims specialist, despite my repeated attempts at contacting the company. In addition, I was told I would need supporting information that would state that I did n't make these online transactions to even have a chance at overturning the ruling. How am I supposed to have information saying I did n't make these transactions if I did n't make the purchase? This is easily the worse customer service experience I 've ever had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
bought a cell phone on XXXX withing chase credit card .but we found the item was used and damaged instead of as described brand new unopened box. so we contacted XXXX and chase credit card company right away, XXXX XXXX and seller admitted the fact the item was used XXXX agreed to change the charge, but had to go through chase credit because XXXX XXXX wont handle the transaction. so we contacted chase many many times they didnt do anything to protected customer instead they sent this transaction to credit agency.to lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: OH

Complaint narrative:
Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
For over a month now ( today is XXXX XXXX, 2015 ) I have been getting credit card offers for XXXX XXXX XXXX, XXXX. I have requested by phone and have mailed back each mailing ( about XXXX ) that this person is DEAD and has NEVER lived at my address!!!!! It is DISTURBING and DISRESPECTFUL and EMOTIONALLY TRAUMATIZING to continue to receive these credit card offers in the mail!!!!!!! The amount of offers sent is ridiculous to begin with. The fact that my phone and mailing requests to STOP is beyond disturbing! I WANT THEM TO QUIT MAILING THIS TO MY HOUSE!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: DC

Complaint narrative:
There is a phantom account at XXXX that the company keeps trying to bill me for. In XXXX 2014, I communicated with XXXX regarding the phantom account and XXXX acknowledged that the debt was erroneous. I have e-mail communications to this effect. I recently received a new communication from XXXX 's debt collection agency attempting to collect the debt. Evidently, they switched the account numbers but its the same debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance Group & Associates LLC
State: OR

Complaint narrative:
I have received multiple calls from this agency looking for a XXXX XXXX. I am not XXXX XXXX. I have corrected them on this multiple times when they have called, but today they stated that I am the correct person and it was n't for XXXX XXXX. They could state who the bill was from " XXXX XXXX '' but not what the bill was for. They threatened to send the bill to my credit report if it was not paid by XXXX today.

Company response to consumer: Closed
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Kenneth E. Davidson, Attorney
State: CO

Complaint narrative:
Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Roosen, Varchetti & Olivier, PLLC
State: AZ

Complaint narrative:
I was sued at an address I no longer live at and have not lived at in 6 years. I was not aware of the suit and was unable to show up to court. My bank accounts have been garnished 3 times by the same collection agency with the same paper work from a suit filed twice for the same amount of money. I tired to tell the collection agency the 1st time they did it but they threatened to tell my employer and continue with even more litigation. I was scared and started to pay on a debt that I did n't even understand. I stopped once I lost my job and then another suit was filed where I do not live and that caused this most recent bank account garnishment.

Company response to consumer: Closed with explanation