vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am presently in a debt settlement program. One of my accounts in the settlement program is with JP Mortgage Chase. Chase relentlessly called me at home and on my cell phone at work. I was instructed by my debt settlement company to send a letter to Chase to cease contacting me by phone and especially by cell phone since I was not allowed any calls at work. I sent the letter around XXXX/XXXX/15 Certified / Return Receipt. I stated that I wished to be contacted either by email or home address only not by phone. I received the return receipt dated and signed on XXXX/XXXX/15. However, the phone calls continued ignoring my request to cease by contact by phone /cell phone at work. JPMorgan Chase has now turned my letter over to XXXX XXXX a collection agency which has called 3 to 4 times a day on both my cell phone and home phone. I received a letter from XXXX XXXX dated XXXX XXXX, received XXXX XXXX but I starting receiving these calls prior to receiving this letter. I am in the process of trying to settle my account with JPMorgan Chase. My next step is to contact this collection agency to stop harassing me by phone. But, I doubt that will end. Since, this XXXX XXXX has many complaints against it for its debt collections practices. But, I wanted to file a complaint with the CFPB regarding the 3 to 4 calls a day since XX/XX/XXXX and now into XX/XX/XXXX. I was informed that these collections agency may call you once a day. If this is true then is XXXX XXXX in violation of Fair Debt Collection Practices Act?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I tried to open a checking account. They said i was red flagged i couldnt. I was told to talk to the XXXX when i contacted management. I got the report and they had never even checked that sysrem. Then i got a letter in the mail that they had run my credit score. I did not apply for credit nor agree to allow them to run my credit score. They them denied me a checking account even though i have never had a problem with abank account. This was at jp morgan chase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a temporary account with Chase Bank ( set up in order to receive a payment from another Chase customer ). In XXXX of 2016 I received a letter saying that a credit card application in my name was submitted on XXXX XXXX and denied because it was a duplicate application. I never applied for this credit card. When I called Chase Bank to sort it out, I found out that there was an application submitted on XXXX XXXX as well, and that was accepted. Again, I never applied for this. I spoke with a cust. rep and cancelled the card. And told him this was fraud. They said there would be a private investigator who would contact me, and to this day, they have n't. The cancelled card ( which was apparently already in the mail ) came to my address. I am beginning to think that CHASE bank used my information that was in their system to fraudulently open a credit card. I have n't had any other instances of a stolen identity or odd things reported on my credit score or in any of my other accounts since that incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had several charges that I disputed on my debit card. Some were not me and some were double charges and one was service that I did n't agree to and was suppose to be an estimate to have my car fixed. After I did n't agree to the price I was charged {$150.00} diagnostic charge and I found out that the diagnostic was wrong after taking it to another shop. 
So I called Chase customer service Dept. and I was transfered to claims Dept. I told them about the charges and was told to file a complaint. 
So that 's what I did. I was told to cancel my Debit card and they would send another one. I said I would rather go into a bank and get one in person since it was a few days before XXXX. I went into a branch in XXXX CA. and was issued a new card and I also got 3 months of bank statements. The card worked that day but on XXXX XXXX I was getting denied after purchasing a XXXX on XXXX. The next day XXXX eve my card was still being denied. I called customer service again and I was on the line for hours and transferred to different departments to find out my account may be closed. I was told to call the next day and speak to the claims dept. and I spoke to a manager that told me my account was closed for having to many claims! She was very mean and could care less that I had no money on the holiday. 
I was told it would take 10 days before account would close. That would have been on XXXX/XXXX/16. 

My XXXX direct deposit check was returned because of the closing of my account and I did n't have enough notice to change it nor open another account at another bank. 
I still have n't gotten my check because it has n't returned to XXXX yet. 

I had over {$1300.00} in my Checking account at that time. I was told I could n't use a debit card but could write checks and withdraw funds at any time. So I wrote one check that did go thru but when I went in to make a withdrawal there was a freeze on all my funds and was told I now needed to call the fraud dept. I was now told it 's gon na be an additional 10 days before I can get funds out. I was also told that I was a victim of Identity Theft from a use to be friend. They knew about this 4 months ago when there was a charge from XXXX. I 've spent almost 5 hours on the phone left on hold for very long periods with many of the customer Reps being incompetent and/or poorly trained and giving wrong information. I have been a customer with Chase Bank for over 5 years and was treated like a criminal during the holidays. I have been traumatized by the treatment and even 2 managers agreed. One said that my account should n't been closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COAST PROFESSIONAL, INC.
State: MN

Complaint narrative:
This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This claim is related to claim XXXX. I submitted a XXXX insurance check in the amount of {$44000.00} on XXXX/XXXX/15 related to my original claim.! XXXX of that was to be released to me immediately which as of XXXX/XXXX/15 has not happened. That was the subject of my original complaint. Now, my home has passed the 50 % inspection and Chase was to release the next XXXX of the original claim ( which they have done XXXX plus XXXX of the {$44000.00} which has not been done. I need this money to order materials and make necessary payments to the contractor so that I can move back into my house. I am incurring significant additional living expenses because of the delay in these payments of my money. I have complied with all of Chase 's documentation requests and they have done nothing to resolve the situation since they received the original complaint at the beginning of XXXX. I do n't no where else to turn to get my money and fix my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Our law firm leased XXXX safe deposit boxes, going back, according to bank records, to 1997. The bank has mismanaged our account records, so that now they do not recognize any of the partners as authorized for safe deposit box access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We tried to have our mortgage loan modified through Chase and they are refusing to help us. We began to struggle last year after I suffered an injury which sidelined me as a police officer and caused us to fall behind on our mortgage payments. Our expectation was that they would be receptive to helping us since they received XXXX dollars in bailout funds to help homeowners and still have XXXX dollars left to provide assistance for those in need. Instead of getting assistance and a lending hand, we were not provided with a full review for retention options on our property, but given a streamline medication on our FHA loan. We were never provided with a review for assistance based on our household income, but rather just offered an off the shelf modification that is a bit beyond our threshold to pay. What about offering us a true FHA Modification, or a Special Forebearance, or a Partial Claim? We are qualified for ALL of these programs, but Chase just has taken the easy route and thrown us the worst offer they could muster. The worst part is that they gave this modification in XX/XX/XXXX AND WE HAVE NOW MADE FIVE TRIAL PAYMENTS, BUT THEY WO N'T GIVE US A FINAL MODIFICATION OR EVEN TALK TO US!!! We are absolutely stuck and feel as though we are throwing good money after bad while Chase is winding up their process to foreclose on our home. We built our house from the ground up in 2004 and want to spend the rest of our lives here. However, we can not get any traction or a straight answer from and have been denied us access to government programs designed to help homeowners. They simply refuse to speak to us and we have not heard from our assigned single point of contact for months. We have no idea where we stand and what we need is a permanent solution to our mortgage problem, since our home is in jeopardy of foreclosure. Life was fine and we had a very strong mortgage payment history until I was injured and then it appears that Chase has turned their backs on us. We are scared and would like your assistance to ensure Chase knows someone is overseeing what they do. We desperately need help to get our loan back on track and keep our home. Shame on Chase for how they behave.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
My girl friend and I, XXXX and XXXX years of age, went to a car dealer asking for a cheap reliable vehicle that we could afford. We explained that we only had a joint income of {$800.00} per mo. Just having a baby XXXX XXXX XXXX and no real credit, we were at their mercy. After a protracted period of time, they talked us into a new last year model car that would be a year old the minute it hit the street. We ended up with a 72 month contact at almost {$600.00} per mo. They suggest that if we would make at least one years worth of payments, we could rewrite the deal and drop the payment in half. We are now in default. There is no way we could handle such a payment and are now looking at bankruptcy. We really got taken to the cleaners. It should be noted that we are not able to drive the car in that we can not afford insurance and plates. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Complainant is a partner in a small Ohio-based business, XXXX XXXX, XXXX. My federal XXXX is XXXX. I am filing a CFPB complaint because in setting up ( credit card ) merchant services via their wholly-owned XXXX entity, Chase Bank is improperly attempting to mingle my personal credit information and creditworthiness with a business endeavor that has no relationship with, nor is dependent upon in any manner, my personal credit history and personal information. XXXX XXXX, XXXX has a 14 year unblemished history of business and financial performance, and as a corporation stands on its own, and is legally considered a " person ''. Their attempted co-mingling of disparate attributes will damage my personal credit score, and are discriminatory against small businesses owing to the prima-facie truth that Chase Bank provision of identical services to XXXX XXXX companies would never include provision of a " date of birth '' and " social security number '' to support running a personal credit report/score. The practice of requiring personal DOB and SSN for provision of small business merchant services is discriminatory against a properly formulated business, represents an unnecessary burden not applied to large entities, and is particularly galling because in the specific case merchant services, contorts the entire process SINCE THE DIRECTION OF MONEY FLOW IS FROM THE BANK ( XXXX ) TO THE SMALL BUSINESS. Given this money flow reality, conducting a personal credit check is not only discriminatory and abusive, but fraudulent, since there is no provision of credit arising from performance of the credit review, notwithstanding the rare circumstance of a charge-back, which for the undersigned complainant has never occurred in 14 years of accepting credit cards. The postulated charge-back scenario is tenuous, since Chase Bank themselves have handled the business banking services for XXXX XXXX, XXXX for approximately 10 years. Furthermore, if charge-backs are the basis for concern, the examination of capacity to reverse fund charge-backs still remains with the legal entity, since it is the business account from which charge-back funding must be captured. In closing, this complaint is a " Consumer Financial Protection '' issue on behalf of all similarly situated small businesses and their Principals owing to the discriminatory practice of requiring an onerous and frivolous " credit check '', which imparts an additional burden as well as a tangible negative factor on the Principals credit history and score. In the event that the CFPB deems that this complaint more appropriately belongs with another agency or within another forum, the CFPB 's assistance in re-routing this complaint is appreciated in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: USA Cash Services Management, Inc.
State: NV

Complaint narrative:
My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2016 while checking my account I found out that there was an unauthorized XXXX $ withdrawal in my account, it was used to pay a Credit Card that was n't mine. I immediately proceeded to make a complaint and got a complaint number ( ticket ). I got my online account disabled. The XXXX $ were then added as a credit note while they made their inquiry. Then, while they were in inquiring, XXXX more unauthorized withdrawals were made ( XXXX $ and XXXX $ ). I immediately called again to report the situation and asked for a complete bank account and cards blockage. They made another XXXX credit notes. Those last XXXX credit notes are still waiting to end it 's process. 
Then, the Bank told me I HAD to travel back to the United States to open a new bank account. I made so and spent about XXXX $ on airplane tickets, hotel, food and transportation inside the U.S.A. to get my bank account back and being able to use online banking again. 
The problem is that I told the manager of the XXXX XXXX XXXX XXXX XXXX, XXXX, FL agency the situation about all the money I had to spend traveling to the U.S.A. and he told me that, according Chase 's Bank Policies, those expenses are on me, but the fraud or scam was n't imputable on me, it 's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Got my initial mortgage refinanced in XX/XX/XXXX. 
Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. 
Though XXXX owns my loan as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Second instance. 
I paid my mortgage electronically last night and checked my bank today and it had not been processed. I went to Chase.com today and it showed that the payment had not been made. I was in the process of paying again when I saw a button to review transactions. On this page my payment showed. The last time this happened I ended up paying my mortgage twice and several checks bounced as a result.

Company response to consumer: Closed with explanation