vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 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:
In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made a deposit into the night deposit. The signage at a certain branch states that deposits made after XXXX will be credited the next day. That is false signage. The night deposit is checked by a bank employee after the bank closes each day, at XXXX. So my deposit made at XXXX on a Wednesday would not be credited until after close of business on Thursday, even though the signage states it will be credited the next business day. Crediting at the end of the next business day is at minimum misleading. Branch manager told me he would change signage 3 months ago to reflect what time the night deposit is checked. 
This occurred at the Chase Bank, XXXX XXXX, XXXX, CA XXXX and I spoke with manager XXXX XXXX three months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have been contacted by Premium Assets regarding an account with XXXX. The person contacting me was XXXX XXXX and her supervisor XXXX, this man called my work repeatedly harassed me and screamed at me. I asked him to not call my work and he disregarded me. 
He spoke to my boss about my account. And threaten me about garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I Bank with chase and have n't had any problems with them. Loved how many locations they had and was very satisfied with them. Recently I got a phone call from a Kanas # at XXXX and I did n't answer. Then the same # texted me saying they going to deposit XXXX transaction in my account and the first one I need to withdraw and send back to them at a XXXX. I call the number back and told them they have the wrong # and he said are you XXXX XXXX and he told me all my info. Account # s.s # address everything. I told him not to deposit anything in my account and hung up. I get text messages after I hung up say if I do n't return the money have my attorney ready. I checked my account and it 's a tax refund check deposited in my account in the amount of {$1400.00}. The very next morning I called chase at XXXX and I get told my account is restricted and closed. I don'the have access to any of my money. I have rent my car payment and house hold to take care of. I just got paid Friday and they are holding my pay check. I have no gas in my car. I missed work. My son does n't have bus fare to go to school. I have people calling asking when I 'm going to pay my bills. It XXXX as a customer of chase to be treated like a suspect instead of a victim. I thought that was the point of putting your money in the bank to be protected soon as they have to do a little work to help their customer they just freeze and close their account not thinking about what we have to do with our money. I was told they will reevaluate my account after the check returns. At this point I do n't even want their services anymore and I will never recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My debit card for my husbands business account had expired by a month and I went to the branch to have a new card ordered. At the branch the teller told me that I would have to call the number on the back of the card to get a new card. Once I called the number, we established that the address on the account was to our old address and that is where my card went. She told me that we needed to change the address on the account and to call in when that was done and she would order me a card. My husband went on line and change the address for my card. He also tried to order the card, but since it had my name on it they would not allow him too even though it was for his account. So I called the number on the back of the card again and then they told me since we changed the address that they could not issue me a card for 30 days or that I could go into the branch and have one ordered. That afternoon I went to the branch and asked them to order me a card and again they told me they could not issue me a card and I had to call the number on the back. I proceeded to tell them that they told me to do it in the branch. Then the teller said well the personal banker would have to do it. On that day there was only 1 personal banker in the branch and that it would be an hour wait. We could not stay that long and so I am still without a debit card. My card expired in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank refused to add my spouse to my checking account with proper identification because the ID presented on two visits did not meet their standard of " legal and proper. '' All IDs presented are legally permitted ; temporary DL issued by Florida, XXXX XXXX credit card, valid XXXX Passport, Temporary work authorization issued by US Immigration, Social Security Card. None were accepted. On a second occasion, when planning a trip to XXXX with my spouse, the bank refused to put a travel notification on my debit card because they consider XXXX at risk for financial crimes. I have come to the conclusion that they are discriminating against us based on his country of birth and origin. All complaints to the company have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and XXXX , XXXX has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX/XXXX/XXXX my cell was spammed as I rec 'd nonstop texts/emails. XXXX I began to receive nonstop robocalls as well as texts, emails & voicemails. XXXX advised me to use my phone in airplane mode and wifi. I could not use my phone via cell tower until XXXX when, for some reason, the spamming stopped. XXXX a thief using a fake unauthorized debit card in XXXX withdrew {$3000.00} from XXXX of my bank accts from a Chase branch ATM ( no cameras ). thief answered my " highly secure '' questions and was recognized by the Chase electronic voice to be me. I did not receive a text/email alert b/c my phone was inoperative. the XXXX withdrawal transactions were approved. thief then requested Chase transfer by phone ( XXXX ) {$2500.00} from XXXX different accounts & thief withdrew the rest of my money down to the last XXXX in a XXXX check cashing store ATM in XXXX NY. the XXXX transactions took 27 minutes. on XXXX my phone was working. I checked my accounts and immediately alerted Chase and the police to the fraudulent activity and theft of cash from my accounts. XXXX Chase rejected my claim of the {$5500.00} loss and I am appealing. combo phone spamming/debit card theft is something " Chase had never heard of ''. they are accusing me of sharing my information with someone, including my debit card, PIN and all of my secure information. I did not share any of this information. I have my authorized debit card in my possession at all times and I certainly did NOT give out my credit reports to anyone. the " highly secure '' questions are asked randomly by the bank and taken right off a person 's credit report. there have been no credit card purchases or accounts opened in my name - this crime was specifically for the theft of cash money. as of this date, XXXX XXXX, XXXX, Chase is not cooperating to reverse their conclusion that I am a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My name is XXXX and i am writing this on behalf of my father XXXX XXXX. On Sunday, XXXX/XXXX/2016 at approx XXXX EST, we called Chase bank at XXXX to activate his chase card. My father is XXXX years old with XXXX. He needed my assistance in this activation as he did with the the submission of this application for this card. when we called, i identified myself to the chase employee who said that there are translator services so that i could not help him with this activation. the translator beeped in and my father was having a hard time understanding him. i explained to the chase employee that my father was having a hard time understating the interpreters dialect and that spoken XXXX is not all the same, she asked what was thew preference, i told her XXXX. she put us on hold again and another translator beeped in and he could not understand him either. the chase employee failed to see that this was a recurring problem and would not allow me to help him translate. the mistake that happened initially was that when he read the credit cards number, he misread it due to his limited vision and that appeared to be a soar point during the call. this call lasted about 50 minutes with 2 different interpreters whom we could not understand. after a point of frustration from my father, i could not stand to see him be abused like that, i ended the call and told the chase employee that he is nor longer interested in the card or working with chase and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: AL

Complaint narrative:
I have ben receiving calls from XXXX XXXX saying they were representing Providian National Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.

Company response to consumer: Closed with explanation