vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX I entered into a Coaching contract for Real Estate. The contract was a 12 month contract, however, there is a part in the contract that reads, if after the first 6 months, you may cancel your contract by phone call or email. So I emailed and said I wanted to cancel. ( Due to money and going in for XXXX I would be off work for 6 months ) I received a response saying I was denied. I sent another email saying I 'm sorry I am canceling the automatic withdraw. I contacted Chase, I believe XX/XX/XXXX also and explained the situation. At first they did n't let the money go. The next month they started allowing it again. I continued calling. Finally started disputed by mail. They allowed the company to continue to withdraw for 6 months, plus an additional month. They said the company sent them a copy of the contract. However, the company did not include the part that read you could cancel after 6 months. I sent that to chase. I had to send it XXXX times because they kept telling me they never received it. I have been disputing this for over a year. Letters after letters, phone calls after phone calls. They keep saying they will investigate, then send me a letter saying their sorry but they disagree with the dispute. I call to speak to someone about the matter and they tell me someone will get back to me within 7 days. No one, in a year has ever gotten back to me ... until this last time i called. She was very rude, said I sorry you are denied the dispute the investigation is over. Not only am I still paying on that money, I am paying interest. I appreciate your help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: CO

Complaint narrative:
This attorney named XXXX called my sister, spoke with her disclosing information about my debt and that they were taking legal action against me, then called her again and left a message seeing if she relayed the message to me. Then they called my brother, and he told them not to call again and hung up. They called him again recently and without confirming that they were speaking with who they called, disclosed information about my debt and about the legal action. They also implied that he was my husband. They called my Grandfather XXXX times and left messages. I called the number and left a message asking them to stop calling my relatives and that my attorney would be in touch with them. They continued to call my relatives. I called today and spoke with XXXX. He right away said he spoke with me XXXX days ago. I responded and said I had never spoken with him, only left a message. He was very unprofessional, and insisted that I did n't remember the conversation and that he spoke with me. I asked him what it was regarding and why he was harassing my family. He began yelling at me. I told him I felt this was a scam, and he yelled back at me that I am a scam by borrowing money and not repaying. He continued to yell, so I hung up. Something felt very wrong so I researched and found a law office that deals with harassing collectors. This attorney asked me what happened and for the collectors phone number. He called it and called me back saying he felt it was a scam because it was a mobile number and they did not answer stating the office they 're from and that it was an attempt to collect a debt. He then said he would call them via a conference call. He told me to ask this XXXX for a written letter with the companies letterhead stating the amount of debt owed, and told me he would end the call if he felt XXXX would not comply. So he called on XXXX way. XXXX answered asking if this was XXXX because that name showed up on his caller ID. I said " no this is XXXX calling you back ''. I then asked him for the letter, and he asked why I needed a letter. He stated they already sent out a demand with a lawsuit to my old address. I asked if they could resend that. He continued to ask why. I said I want an address to send payment to. He said they do n't accept mailed payments. He repeatedly asked me for my address but would not confirm sending a letter. He said I could pay over the phone only, and that 's when my attorney ended the call. My attorney advised me to report this collector as well as the company I borrowed from. He also assured me that they could not come after me and just to block the collector, and they will eventually move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Upon purchasing my vehicle and the meeting with the Finance Manager, he kept trying to talk me into buying the extra insurance protection & GAP coverage. After going back and forth on it several times because I did n't want it, I decided to purchase it so he would stop talking and we could get the paperwork done so I and my children could go home. I later changed my mind during the paperwork process and declined the insurance protection. So, he had to re-do the paperwork without the added " protection. '' Somehow my interest rate went up 1 % on the new paperwork when I decided that I no longer wanted the insurance protection & GAP coverage. When I accepted the added insurance my rate was 3.95 % but when I declined it my rate went up to 4.95 %. I feel like I was discriminated against because I did n't want to purchase the added " protections. '' I believe that this practice is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: OH

Complaint narrative:
Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for and received on XXXX XXXX, 2016, a Chase Sapphire Reserve credit card. A benefit of the card is that I receive a {$300.00} annual credit for travel charged to the account. I called Chase prior to the close of my first statement and was advised that any travel charges thru XXXX/XXXX/16 was eligible for the 2016 credit. When I tried to use the 2016 credit after the close of my XXXX statement I was n't able to do so. I was advised on a call to Chase that I that I had been provided with misinformation on my first call and in fact only travel charges through the close of the XXXX 2016 statement are eligible for the 2016 credit. 
I relied on the representation made on the first call that travel charges through XXXX/XXXX/16 were eligible for the 2016 credit and deferred purchasing travel till later in XXXX Chase does n't deny that I was provided with misinformation and says that my reliance on it will not change the result of denying me the travel credit for travel purchases thru XXXX. Providing me with misinformation, which Chase does n't deny and either confirmed by listening to the call or was able to do so, should not cause me to lose the benefit I am entitled to under the Sapphire Reserve card. this will result in overbilling me for my travel costs when charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I contacted lexington law in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the XXXX XXXX XXXX where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what Lexington Law had done, however, XXXX has not. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Hi, I applied online for a Chase credit card on XXXX XXXX, 2015, and I received a e-mail with some information regarding about my online application including that they will let me know about the decision of my application through mail in 30 days. 
After two weeks without any news or mail with the status of my application, I decided to call the Chase Bank through the XXXX number, and the mortgage department answer and told me that they need proof of my address so they can have a proof of my address to approve my credit card application, so we agreed that I am going to send them a color copy of my drivers license in a certificate letter through USPS mail. They received the letter on XXXX XXXX, 2015. After I received that day the confirmation receipt from the USPS I called them to ask if they received or need more documents, they do n't let me know if they received or need more documents. They told me that I need to wait that the processing department have to analyze my information so they will let me know. I called them several times last week and they told me that they do n't know in what status are my application, so they will let me know soon. Last day I called them was on XXXX XXXX XXXX in the morning. 
Today Sunday XXXX/XXXX/2015, I called them again to ask about my status, and someone with the name of XXXX told me that he ca n't found my application in the system and he cant provide me information about my application. 
I ask him his last name and if he is a Chase Bank employee from an XXXX company, and he told me that he is an Chase employee but he ca n't gave me his last name. I ask him to talk with a supervisor and he told me that there 's no supervisors to talk, that the only thing that he can do is run again with my Social Security a new application, and I refuse to do that because I applied before for that and my call to Chase was for that reason, and also I told him my credit score is going to be affected, and I paid for sending to them a certified mail with the information they ask for proof of my identity address. 
I ask him again if anyone there in Chase that could help me and said that I am not in the system and I need to apply again. 
Also I never received from them a letter or email with the status of my application. 
Please help me with this. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Credit card provided a credit card number to a merchant that I had not provided myself. I called and put the charge in dispute, Chase committed fraud by providing my credit card number without my approval to a merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Old account that is my ex husbands, I requested validation and received a response back which I am attaching for your assistance. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.

Company response to consumer: Closed with monetary relief