vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Amazon Rewards credit card a year or so ago, and I 've been wanting to close it. I 've had difficulties using the Chase site, which resulted in a few late fees, but that is n't the problem. The problem is that the card is XXXX paid off, no pending payments or transactions, and that there is no way I can find on their site to close the account, which I no longer need. When I called the XXXX number, I just had someone ( probably a recorded message, because it sounded the same each time I called ) that says " Hello '' and just hangs up. While I 'm no longer accruing interest on this card because there is no balance, I just do n't want it anymore and I 've searched the site everywhere for a place to close the card or information about it and I have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Loan # XXXXIn reference to the above account and my refinancing under HARP. I started this process in XXXX 2015 by going to my local branch and calling and speaking to Chase agents on telephone..where I was ultimately told at all times that it was not possible to refinance my 30 year loan to a 15 year under HARP. I had to write a letter of complaint, before Chase would respond to my request. Their response was to send me several letters stating that they were " researching the issue '' .. ( I attached XXXX of those letters to this complaint ). It took Chase over 4 months to process my request for a refinancing and in the interim, interest rates rose substantially. As a result on the delay on the part of Chase, I am requesting that Chase offer me a lower " discounted '' interest rate than the 4 % rate currently allocated to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Mortgage banker was deceptive in rushing through the process providing inaccurate information and stating that I had to sign documents more quickly than I actually had to review them. Suggested that I did not need to review documents prior to signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had gotten a loan in XXXX, pd mort. Then our Mort. went up so deleted pmnt of {$400.00} to {$410.00}. They did n't send out XXXX pmnts XXXX or XXXX. In XXXX, they took both the {$400.00} and the {$410.00}! My bank manager helped me delete the XXXX. pmnt until Chase put $ $ back in acct. I did n't know I had to restart pmnts and no pmnt went out for XXXX. Now I am behind on Mort by 1 month and they r threatening us with foreclosure when we already have sent the pmnt agreed upon which was {$50.00} extra/mo. We sent {$460.00} in XXXX and XXXX. We r working to get this taken care of. We r not in good health as it is and this is causing more health probs from stress. I was getting calls from XXXX to XXXX at night, XXXX times a day. I think that is stopping but now sending pre-forclosure papers. This is utterly ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
ONCE AGAIN I COMPLAIN. I AM SURE YOU WILL DO NOTHING ABOUT MY COMPLAINT! YOU ARE MY GOVERNMENT AND YOU DO NOT PROTECT ME FROM CHASE BANK THE MOST SCANDALOUS BANK THERE IS. EIGHT YEARS OF LIES, DECEIT, THEFT, COMPLETE INCOMPETENCE, AND RECKLESS HANDLING OF MY FINANCIAL AFFAIRS.CHASE HAS TRIED TO GET ME TO COMMIT PUGERY BY ASKING ME TO SIGN DOCUMENTS ON A MODIFICATION THEY TOLD ME I QUALIFIED FOR.THEY ILLEGALLY FORECLOSED ON MY PROPERTY IN 2010. I HAVE SPENT {$37000.00} IN LEGAL FEES FIGHTING THEM. THEY TOOK MY PROPERTY BUT HAD TO RETURN IT DUE TO THEIR NEGLIGENCE. BUT BEFORE THEY DID, WHILE I WAS IN THE REDEMPTION PERIOD OF THE ILLEGAL FORECLOSURE, THEY BROKE INTO MY PROPERTY AND DID {$2500.00} WORTH OF DAMAGE, CUT MY UTILITIES OFF, CANCELLED MY UTILITIES. ALL ILLEGALLY. AND YOU STAND BY AND DO NOTHING. NOW I AM BACK TO SQUARE ONE. I MUST ACCORDING TO THEM SEND AN APPLICATION AND MORE PAPERWORK. IVE DONE THIS AT LEAST SEVEN TIMES. IT IS A SHAME OBAMA OPENED YOUR OFFICE TO HELP PEOPLE BUT YOU DO NOTHING. I WANT TO BE CONTACTED DIRECTLY BY YOU AND BY XXXX XXXX TO FIX THE NIGHTMARE THEY HAVE CREATED FOR ME. LIARS AND CHEATS. THEY HAVE DESTROYED MY EXCELLENT CREDIT RATING OF XXXX. IT NEVER ENDS. I JUST KEEP HAVING TO DEAL WITH XXXX EMPLOYEES OF CHASE BANK.WHO DO NOT FIX ANYTHING.FILE THESE COMPLAINTS WITH YOU AND LIKE I SAID YOU DO NOTHING.THE ONLY REASON I GOT BEHIND IS THEY TOLD ME I HAD TO BE BEHIND IN ORDER TO GET THE MODIFICATIONS. I HAD NEVER BEEN LATE WITH ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear Sir or Madam, XX/XX/2016 I traveled to XXXX and used my Chase credit card during my travels. Of particular concern was a double charge on my card that was from a bar that I visited. However, I only authorized and signed for a single charge from this bar. I contacted Chase about this extraneous charge and they immediately reversed the charge of {$130.00}. On XX/XX/2016, I received a letter from Chase stating that they contacted the vendor, XXXX, to dispute the charge. The vendor provided XXXX sales receipts and thus, Chase considered the charge valid. Chase provided these XXXX sales receipts to me in the same letter. However, what is apparent is that the signatures on the sales receipt clearly show XXXX different signatures, one which I had signed and authorized and a second signature which I had not authorized or signed. None of my party signed or authorized the charge as well. If you focus on the signatures on the attached sales receipts, it is clearly evident that the signatures are clearly different. After noticing the discrepancies in the signatures, I contacted Chase again about this fradulent charge, speaking to at least XXXX people on the matter, all of whom were unhelpful and bounced me around to different departments. Eventually, I was then instructed to write a letter to Chase explaining the charge. On XX/XX/2016, I sent in a letter to re-dispute this matter. A month later, I received a letter from Chase on XX/XX/2016 stating they consider the charge valid because they are unable to find a " billing error. '' Again, I, nor any of my authorized users, authorize this charge. Just because I was present at the same establishment does not mean that the charge is valid. My credit card was swiped twice and someone else signed for it. I can only speculate that this charge was an error on the part of the bartender and the establishment, however I should not be the one liable for this charge when the vendor mixed up the sales receipts. Chase refuses to acknowledge this. I recently paid off the amount of {$130.00} because it was the remaining balance on a closed account and I no longer want to have a balance on it. However, that is not a justifiable reason and I would like Chase to refund me the amount of {$130.00} that was fraudulently charged on my credit card. If you would like, I can provide all correspondence between Chase and I on this matter, including the sales receipts that was provided by the vendor. I appreciate your help on this matter and please feel free to contact me at any time to discuss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have XXXX mortgages. XXXX, XXXX XXXX and Chase. I was refinancing with XXXX and incorporating XXXX into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with XXXX and XXXX was going to Chase. The payment with chase went from {$300.00} to over {$900.00}. I had claimed bankruptcy in 2010 but have been up to date with them. If they do n't approve subordination i will not be able to refinance and I certainly wont be able to continue making new payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.

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 2017-02-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase has new ATM machines outside that can give money in 5, 10, 20 's etc, with these new machines they have automatically linked all of a customers checking accounts to be accessible from the ATM when only one account is setup to be accessed from the debt card. 
This was confirmed by branch manager that Yes only have one account linked to my Debt Card, but when accessing my accounts with one of the new ATM machines all the checking accounts show up. This should have never happened like this. 
I as a Customer manage my accounts and keep limited fund in the linked account just incase there is some type of fraud, or card stolen or what every might happen. 
Would like to know when this will be fixed? 
Reported to a local Chase Branch over 30 days ago, but yet issue is still there. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was recently charge {$75.00} fee on my checking account at Chase, because of a questionable tax debt owned to the State of Indiana by a debt collection agency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently applied for a CHASE SLATE card and received a letter stating that they needed government ID to verify my address. I provided a copy of my driver 's license and Pa Voter 's ID card to verify it along with a copy of my Social Security card to verify my identity. When I called back today, I was told these were n't sufficient under the " Patriot Act. '' There is a Post Office connected to my building and I explained that XXXX credit reporting has put an incorrect warning in my file that my address is a mail drop location. I advised CHASE of this but they did n't seem to want to review things further. I 'm very legit, I work in Law Enforcement and offered to provide copies of additional credentials but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
We applied for a mortgage loan from JP Morgan Chase, and got approved and given a commitment letter. However, the underwriting asked for supporting documents a few at a time, and never reviewed timely. We were not able to close on the original agreed upon date of XXXX/XXXX/2015, and were delayed again to miss the second closing date of XXXX/XXXX/2015. When I try to contact their underwriting processors, they would not even pick up the phone, or reply to my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24 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: M. G. Credit, Inc.
State: FL

Complaint narrative:
I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase is reporting a balance due on XXXX credit card accounts they charged off that is impacting my credit score. Chase is reporting 146 % utilization on XXXX card and 134 % on the XXXX card, both are charged off credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank has charged me interest on a credit card that I had set up as an online payment to pay the full amount due

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( Chase Bank ) and their collection company XXXX funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a debt that was settled and my mortgage on my home is clear of this debt - the lien is clear as in the attachment you will see all has been cleared. I owe this creditor nothing. There are continued XXXX shipments and letters sent to my home. I have sent them the lien release documentation many times.

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

Complaint narrative:
I have a payment receipt from XXXX for {$77.00}, on my statement I see that I was charged {$120.00}. 
Where is the fair credit billing act when needed ( XXXX )? 
Contacted Chase, they have a person with a accent I do n't understand contact me. I complained multiple times but Chase is was did not understand my XXXX. After multiple complaints that I need to speak with a proper XXXX speaker ( I am XXXX ), they sent me a letter and asked for a response using a fax.Ii have sent several faxes but did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, I submitted a cheque drawn on a XXXX bank to JP Morgan Chase for payment. I was paid {$820.00}. On XXXX XXXX, Chase recouped {$890.00} from my account ( plus another {$8.00} fee ) saying the XXXX bank had refused the cheque. 
After many phone calls, on XXXX XXXX, I submitted to Chase evidence that the XXXX bank had honored the cheque. I sent this by fax and by email. 
Today when I talked to Chase, there was nothing on their file and he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I received a call today from premium asset services. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a XXXX time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.

Company response to consumer: Closed with explanation