vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new CC account on XXXX/XXXX/2015. It is a chase XXXX XXXX card. They arbitrarily ( apparently computer generated ) assigned a billing cycle closing date of XXXX/XXXX/2015, so that my first payment would be due on XXXX XXXX, instead of in late XXXX. I called them on XXXX/XXXX/2015 at about XXXX. They agreed to change my billing cycle going forward to the XXXX of every month ( with another short cycle to XXXX ) but would not change the current bill. 
This is very unfair. They ought to either inform me up front about this, or be required to give the full XXXX day cycle. If they ca n't do that, then it should be a LONGER cycle for the XXXX bill, not a shorter one. For example, in my case if they wanted to end my cycle on the XXXX of every month, the XXXX cycle should end on XXXX XXXX, for XXXX days, not XXXX XXXX, for only XXXX. 
I also purposefully wanted a cycle that allowed this payment due date to be later in the month. My main CC due dates are early in the month, and I thought this CC would come due later in the month, to " spread the pain. '' Even though they changed it going forward, XX/XX/XXXX will now be difficult for my budgeting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
As of my XXXX/XXXX/XXXX Chase Visa statement, my only balance was {$6900.00} which was entirely related to a 0 % APR balance transfer I had processed thru my Chase Visa account in XXXX. This balance transfer includes a 0 % APR that does n't expire until XXXX/XXXX/XXXX. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I added {$3800.00} in new purchases to my Chase Visa card. Since I knew I would incur finance charges ( at my regular 10.24 % APR rate ) immediately after these NEW purchases were posted, I paid off these new purchases a week later by paying {$75.00} on XXXX and {$3700.00} on XXXX ( Total= {$3800.00} ). Rather than applying my payments to the higher interest rate balance, Chase applied most of my payment to the 0 % APR balance. I wrote a complaint to Chase Visa, but got back a messy canned response that repeated several sentences ( obviously a bad copy and paste job ) that claimed that all postings to my account were done correctly. Should n't Chase have applied my payments to the higher APR such as is mandated by the CARD Act of XXXX?

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

Complaint narrative:
On XX/XX/XXXX, I saw {$760.00} was taken out of my account via XXXX. I did not authorize this nor was I aware of this. The XXXX transaction was made on XX/XX/XXXX and was paid to a person saved on my XXXX contact list ( XXXX XXXX ). I then immediately checked the emails attached to the XXXX and it did not match with my contacts list. I have XXXXXXXXXXXX as her email, but the fraudulent XXXX went to XXXXXXXXXXXX. I then called XXXX XXXX and she verified she did not receive any money nor does she recognize the hotmail email address. I then went to a Chase bank and told them of this fraudulent activity. We then immediately closed and reopened my checking account and reissued all my credit cards. I was also told there was a login on my account in Michigan, and since I live in XXXX and have never been to Michigan, I was assured I would be reimbursed. After this, I field a police report at my local police, called XXXX to put fraud alerts on, filed a report with FTC for identity theft, and now filing a report on Chase with CFPB. On XX/XX/XXXX, I received a claim denial from Chase. I visited a Chase branch and called them again, and they refused to provide me with documentation as to why my claim was denied. They also called me a liar and told me they truly believed it was me that sent the XXXX. I told them it was definitely unauthorized, as they can see the emails did not match as well as the fraudulent email was part of XXXX which I have no idea what it is, but I asked XXXX XXXX if she was part of it and she did not know what it was either. 
I have made XXXX payments to XXXX XXXX in the past, and I told them to cross-reference the emails and they can see it does not match. I even told them they could call XXXX and verify everything I said, but they still stated I was lying. I gave them my police report but did not look at it and told me there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Home Equity was modified under XXXX ... CHASE HAS NOT UPDATED SYSTEM AND KEEPS CALLING SAYING THE LOAN IS IN ARREARS ... .SPOKE TO THEM TRYING TO CORRECT AND TO NO SATIFACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Mortgage serving was bought my chase after Washington Mutual failed. Since then I have had much trouble in securing information from Chase. Every time I ask for information from Chase they send it to my old attorney ( XXXX XXXX ) who is off the case since XX/XX/2015. Some information has been received that is incomplete and inaccurate. XXXX XXXX assures me that he has written to Chase many times asking for this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase Bank " Slate '' credit card. The interest rate used to be somewhere around 16 % ( perhaps lower - I do n't remember ). I have had this card for several years. Two years ago, I was late with 2 payments. Chase bank immediately jacked up my interest rate to 22 %. I have made my payments all on time since then and my credit score is now XXXX. But Chase refuses to lower my interest rate to something more reasonable, telling me that 22 % is the lowest 'available ' rate and that 's all I 'm going to get. Women ca n't pay those kinds of rates - we do n't make that kind of money! And I 'm over XXXX! I always pay my bills. I 've never filed for bankruptcy. I 've never defaulted on anything. I feel like I 'm getting truly rotten treatment - and this from a bank that was bailed out by my taxpayer dollars - to the tune of XXXX dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Unifin Inc.
State: WI

Complaint narrative:
Called to collect on a debt from 2006 that I have no remembrence on for a credit card from XXXX XXXX XXXX Bank which according to the internet is no longer in business. Offered to do a XXXX settlement if I paid today for {$500.00} odd dollards instead of over {$1500.00}. When I asked for validation documents they said they would send and then hung up on me. I called them back to get the name of the company calling, etc - it sounded something like XXXX or Unifen- and the representative refused to spell the name when I asked for clarification. They asked me to confirm the last XXXX digits of my social which they had and I refused. When I kept pressing and calling back, representatives would hang up on me or put me on hold and never come back on the line. They could tell who I was by my phone number on their caller ID so they also had that on file as well as my birth date. The number they called from was XXXX and said it was case XXXX. I have been getting at least one call a week for the last year from companies trying to collect on debts that are no longer valid. I am constantly monitoring my credit report and this particular company indicated they would remove this debt from my credit report but it does not show.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was looking through my account and noticed that a transaction that was suppose to be {$70.00} to my XXXX was a {$100.00}. I called the bank to file a complaint that was when I realized that they had taken out XXXX {$100.00} transactions that I did not authorize. I filed a complaint immediately and the Customer Service Representative stated that they would be removed. Well I just found out today that they reversed XXXX on the {$100.00} transaction even though they all XXXX transactions were from the same company and I did not authorize any of the transaction in the letter they sent they stated to found the transaction to be correct when it was not. I asked them to tell the name of the company and they do not know. How am I suppose to get my money back if they do not even know to whom and where the money went. I strongly implore that Chase put back my {$100.00} and any transactions fees because the transactions all came from the same company and I notified them as soon as I found out the transaction was not the the XXXX. Or the bank give the information on where and to whom this {$100.00} went to. They owe me that at least so I can try to get my money back and if Chase does not know who they are then it not a correct transaction and Chase needs to give me back my {$100.00} I never received notification by email of by mail that they were going to charge back the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Called collection to make payment arrangements. Was asked year I was born, from where the monies would come from and they needed bank information. They would do payment plan but I needed to give bank information so they can withdraw monies directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase caused my credit to be damaged by telling me to not make payments while they modified my loan then when I tried to catchup reported my payments as lates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2016, my husband drove my son 's XXXX to XXXX in XXXX, NC. I followed him so we could leave the car there. After receiving a call from XXXX, the owner, that the car was ready, we went there, paid the bill, and left. Over the next few days, the car began to run nearly as bad as it did when we initially dropped it off. My husband and I went to XXXX to ask XXXX XXXX about the repairs. This is when the problems began. We agree the radiator repairs were completed satisfactory, but there have been consistent issues with how poorly the car runs. Since our initial claim with XXXX and Chase, we have consistently been denied any form of resolution. Chase finally indicated we needed a third party appraisal. My husband contacted XXXX other repair facilities, but after receiving Chase 's final denial letter, my husband called the XXXX repair facilities and no one indicated that Chase had made any form of inquiry. My husband requested that Chase provide us with written documentation explaining their findings as to why they denied my claim. My husband finally spoke with XXXX, a female at Chase. She denied any additional information and stated that since I had received the final denial letter, she would not discuss the issue any further and refused to provide any verbal communication or written documentation explaining their findings as to why they denied my claim. I have provided additional documentation with this claim. Chase has provided no help to me, the consumer, but had rather defend the business rather than their customer. Additionally, XXXX claimed we had not contacted him about this issue after the initial repair and he also told this to Chase. I have included a copy of the XXXX 's certified receipt where my certified letter to XXXX was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: CO

Complaint narrative:
My debt was sold to a third part called Worldwide llc. This company called my husband threatering to take our home. They then called my job and I asked them to stop. They are now calling my companies corporate office threating to sue them. They call over XXXX times a day on my husbands phone and my work phone hanging up when we answer. They have also discussed the debt with both my husband and employer. I have notified them I am in the process of filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase claims that I am two months behind in my mortgage when I have proof that my mortgage was paid every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.

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

Complaint narrative:
Want to transfer my high balance of {$1900.00} to another account. Chase informed me it was not being " offered '' at this time, which does n't give me a choice in HOW I pay my account off.

Company response to consumer: Closed with explanation