vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 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 receive at least one advertising letter in the mail a month from Chase bank. I do not have any accounts with Chase. I have not had any accounts with Chase. I do n't want anything to do with Chase. 

XX/XX/2016, I called Chase and spoke with XXXX. XXXX from Chase took my address and assured me the advertising mail from Chase would stop. It did not. 

On XX/XX/2016, I called Chase once again. I spoke with XXXX XXXX from Chase, and then XXXX 's boss, XXXX XXXX, supervisor at Chase. XXXX XXXX took my address and assured me that these mailings from Chase would stop after three weeks. 

I also filed a complaint with the California Attorney General 's office on XX/XX/XXXX, but all I got back was a form letter which did not address my problem. 

On XX/XX/XXXX, after getting the useless letter from the California Attorney General 's office, I filed a complaint with the Federal Trade Commission. 

On XX/XX/2016, I called Chase yet again after getting more ads in the mail. I spoke with XXXX XXXX from Chase. He transferred me to a supervisor, XXXX XXXX at Chase. XXXX XXXX was very condescending by saying things like he understands and " no worries ''. Very insulting and untrue. After XXXX XXXX 's bad behavior I asked to be transferred higher up. I spoke with XXXX XXXX at Chase 's executive office. XXXX XXXX took my name, address, and phone number. He verified my address down to the spelling and punctuation. He said someone else at the Chase executive office would contact me within two business days. 

On XX/XX/2016, I received a voicemail from XXXX at Chase 's executive office. XXXX said in the voicemail that I would no longer receive marketing from Chase but it would take 90 days for the mailings to stop. 

Today, XX/XX/2016, I received still another Chase ad in my mailbox. I called XXXX at Chase 's executive office. I left her a very long and angry voicemail because she and everyone else at Chase I spoke with either lied to me or can not do simple business tasks like removing me from their mailing list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX, have been trying to Modify my XXXX mortgage Thru Chase for the past XXXX years. They take a long time and we keep providing all the information that they require in a timely manner. I keep being told that its under review and then I am told to resubmit everything all over again because the file is too old again. I keep getting the run around and not the help I need. I have been having financial troubles XXXX and a severe reduction in work and pay. However, I feel that I can save our families home with a Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I moved from XXXX to XXXX XX/XX/2016. And I did not move in to the new house until XX/XX/XXXX because attorney had to straighten up titles of our new house. I was late paying Chase credit card for XXXX because I never received printed statement. I have expressed to have both On-Line-Statement and Printed statement before, but I have never said that I wanted On-Line-Statement only. I called Chase XX/XX/XXXX and paid my due and they removed {$37.00} late fee. 
I made sure that they had my new address and asked them to mail me printed statement. That was XX/XX/XXXX, so they had a time to send me a printed statement so that I do n't forget send my check to them on time. But I never received printed statement for the XXXX payment. So I was late for XXXX payment. Chase added {$37.00} late fee and they refused to take it off. I told them I was late because they did not send me the printed statement which I asked them XX/XX/XXXX. But they insist that they can not take {$37.00} off. Now they are saying that they sent me a statement but the mail must have been lost. I have difficult time to believe that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
After my mother passed away, I was executor of the estate, my mothers home mortgage was paid in full but unknown to me there was a HELOC and I could not find the account information anywhere. When I called CHASE BANK they said their was still a mortgage, and that they had to do a title search, in the mean time they would not talk to me because I did not know the account # and/or the original line of credit. I called the columbus branch and they went into the account and could not find any of the information. The loan originated from Bank One, then to CHASE and they could not find the paperwork. While they were doing a title search they put the house into foreclosure for around {$1500.00} they served me the papers and when I called they would not talk to me because my name was not on the account - yet they had my name on the papers that was served to me. I made a formal complaint to the XXXX office, faxed all the information five different times, and there was no response and {$16000.00} later in legal fees for the foreclosure they are doing the same again. I feel this is entrapment, and an illegal processes that CHASE Bank takes advantage of for people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received an email from XXXX offering a free credit score report. When I replied and thus submitted the request I unwittingly must have agreed to a continuing charge, etc. which was hidden in the usual flabberjabber but which was not clearly stated or I would not have submitted the request. I only discovered this when I found a {$39.00} charge on my Chase Freedom card. They have made cancelling the " membership '' difficult by not providing for an opportunity to cancel online and have only provided a telephone number with limited hours. According to online complaints actually canceltion is often ignored. 
I received an email from them on XXXX which I did not read telling me that I had until XXXX to cancel the membership of which I was not aware or desiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
The practice of people that use credit charge " Chargebacks '' MUST stop. It is entirely criminal, as said people are able to call in to their bank and very easily and simply ask them to " Reverse Charges '' against a merchant, EVEN WHEN THE PRODUCT HAS NOT BEEN RETURNED, and AFTER SERVICES WERE PROPERLY RENDERED. XXXX is allowing this type of practice to occur on a constant basis, costing merchants and consumers alike many millions of dollars per year. In this particular case which I am reporting at this time, all the customer had to do was tell them that we " charged them XXXX '', and they got away with it!! We did NOT charge them XXXX. They made XXXX PAYMENTS. XXXX payment was a 50 % down to RESERVE the rental services, and the other was final payment toward the BALANCE OWED. The customer simply told the bank that the XXXX charge was a DUPLICATE, while it in fact, WAS THE FINAL PAYMENT ON THE BALANCE. This is hurting people very badly AND MUST BE STOPPED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Case number : XXXX This is the submission of XXXX XXXX disputing the response " Explanation of closure '' of JPMorgan Chase Bank NA of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Well I have a loan with chase bank that I have had for at least XXXX years it is 9.25 percent interest and the loan they gave me was more than the house is worth. I have made all my payments and as you no i ca n't get the loan paid down cause I 'm paying all in interest.I have tried numerous times to refinance the loan thru chase but they wo n't budge and no one else will work with me cause I owe to much on my house. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. 
The interest rate is almost 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to a local Chase Bank, in XXXX to find out what I needed to do to surrender my XXXX property back to them. I had tried to sell the property when I got new orders to my next assignment in XXXX. Unfortunately, the housing market was extremely poor for sellers. Thankfully, I have had tenants. But, now 3 years ago, my mom 's health was steadily declining, so I retired back to XXXX to see after her. She passed away this past XXXX XXXX. My retirement pay had to supplement the XXXX mortgage, etc as well as take care of me here in XXXX. I tried to keep up, but the stress was mounting so I decided to give the XXXX property back to Chase. The bank got me a copy of the letter to surrender instructions. I followed it. I contacted my tenants, through my property manager XXXX XXXX XXXX, to vacate the property as of XXXX XXXX XXXX so that Chase would receive the property as of XXXX XXXX XXXX. I made it clear that I did not want any monies from Chase, even though the property was worth more than I owed. Chase has yet to receive the property. They are continuing to try to keep me connected with the property, overlooking their error. I am stressed and tired and disgusted. Please help Chase to honor what was originally sent me. I complied. I released my tenants. There is no rent. Up to the XX/XX/XXXX, I had the monies to pay the mortgage. As of XXXX XXXX, no rent to pay for a property, I in good faith, turned over to Chase bank. The original instructions gave no hint that anything else was required. Please help. My retirement pay is just barely enough to take care of me in XXXX. Please do n't let them harass or bully me. Thank you for any help and guidance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: KY

Complaint narrative:
westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/XXXX, Chase lowered my home equity line of credit from {$160000.00} to {$100000.00} without my consent and this was against the Truth and Lending Act as verified with the lawsuit with other people in my situation. Chase made a settlement with them but they did not settle with me because I was not aware of it at the time. XX/XX/XXXX under Chase suggestion, I applied for a loan modification with one of their mortgage bankers at one of their branches. I supplied the representative with all the information required and completed all the paperwork. Chase received my application on XX/XX/XXXX and the proof is they stamped the first page. Since then I received all kinds of excuses that they never received it, that they lost it, and that they needed more info. Finally on XX/XX/XXXX they discovered the paperwork I had sent them in XX/XX/XXXX. But by then they said it was aged. Since then, I was under an 'inquisition ' and it is still going on with no end. I applied for Step Forward MI ( Hardest Hit Fund ) as well and supplied all the documentation required. I am also working with housing counseling agency XXXX University Extension and they are refusing to accept the documents that I provided to them. I am trying to do everything I can to allow Chase to ask for any updated information they needed but they continue to ask for more and more without end. They offered a repayment plan for {$650.00} a month for 20 years. They said this amount can vary because of the variable interest rate. I offered to pay {$550.00} because that is what is affordable to me ( not including taxes/insurance ) and I could even go up to {$600.00} but I need a fixed rate. I even suggested the loan go to 30 years. Chase was unwilling to consider these terms. They suggested I apply for a modification but I 've been trying to do that for over a year and half with them with no results. I am trying to work with them but they refuse to meet me halfway, give me an answer, or be reasonable with me. I get a different representative every time I call them and consequently I am not able to accomplish anything. Even the person that is assigned to you is never available and I have to talk with a random person every time.

Company response to consumer: Closed with explanation