vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank USA continues to try and collect an unverified debt that, per their own records, they are no longer attempting to collect. In XXXX, Chase Bank won a judgement against me in the amount of {$38000.00}. This is after I sent debt validation letters and received no response until I happen to check Virginia 's circuit court case information on my own. This violated the Fair Debt Collection Practices Act as they never verified or validated this debt during the 30 day window, improbably served me court papers, and the only response after my debt validation letters were court papers -- no facts, just underhanded schemes and fiction. 
Years go by, it 's been a struggle, financial life ruined, credit destroyed, and I still have this unverified default judgement on my report. As a result of the judgement appearing on my credit report I 'm sure I lost out on numerous job opportunities once potential employers saw such a massive amount of debt. Then in XXXX, Chase sends me XXXX for the bogus debt. They explain that they are no longer attempting to collect the debt but the total amount on the XXXX sent, {$39000.00}, does not match default judgement which further proves that they never verified this debt and just pulled numbers out of thin air. On XXXX of the XXXX, I have never idea which account they are even referring to -- it 's probably not my account. It does n't even appear on my credit report or in the bogus default judgement. In the letter it states, they are only reporting principle balances and not interest and fees, but this is still inaccurate based on the numbers from the default judgement. They also stated that they will still report to the XXXX credit reporting bureaus any account information. This furthers harms my credit because of the difference between the judgement and what Chase Bank discharged, the principle and interest that continues to be reported, and the default judgement amount and credit balances appear separately so it looks like I owe Chase Bank a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been charged late fees XXXX times recently by Chase, ( XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 ) even though I have paid the due amounts ; will upload records of payments, but have shared with them too. 
I wrote them to ask to reverse the fees, but they reverted only a XXXX XXXX, for payment made due XXXX/XXXX/15, because my checking account online record ( from XXXX ) shows the payment was indeed completed on XXXX/XXXX/15. 
Yet a XXXX late fee was applied even though I paid the regular due amount before the due date XXXX/XXXX/15 ( I attach if possible to upload all records and correspondence ). 
A new XXXX late fee was applied now on XXXX/XXXX/15, even though, again, I paid the due amount, even including their artificially increased amount of {$100.00} : {$53.00} ( delivered on XXXX/XXXX/2015 ) and then {$50.00} ( delivered on XXXX/XXXX/2015 ). 
I understand Chase desire to increase revenues by applying late fees, but in my case these were not justified : payments were submitted to reach them on or before the due dates, and they did. 

On the other hand, I have asked my checking account bank, XXXX XXXX Bank, why it takes even 5 days sometimes for an electronic payment to travel from them to another bank for which there is already an established payment route.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been unemployed for the past XXXX months. I just started work this week, and got funds going back into my account. I had {$30.00} set aside ( the only funds that I had ) for my bus ticket from XXXX to XXXX to visit my elderly parents for XXXX. Chase bank gave me without warning a {$12.00} fee because I have not been making the direct deposit amount. Which I understand, I did not ask to waive it just to postpone it, they refused because they have waived it in the past. {$12.00} to Customer Care Specialists XXXX XXXX of XXXX Ohio is nothing, but to me it is me not able to go home now for XXXX. She told me not to take it personally but to make other travel arrangements. I just have myself, and my edler parents can not put money in a chase account in XXXX because there is no Chase branches in XXXX or Maryland. She kept telling me over and over to make other XXXX Travel arrangements. I can not bike to XXXX from XXXX, I can not walk. So maybe she is suggesting that a Chase Client hitch hikes to XXXX? I asked very nicely if I could speak to someone higher on the food chain then her, she refused and to " comfort '' me it is nothing personal. Yes it is, for XXXX 2015 I am not spending it alone because Chase bank has trained their employees to not even show some compassion to any degree on a holiday. 

She was clearly low or middle management, I was polite the entire time on the phone she refused to let me even try speak to her supervisor. I did not raise my voice, said please/thank you. Again, I understand it is a fee that needs to be paid since I am not making the direct. But All I needed was XXXX more week to pay this {$12.00}. Again this was my bus money to see my family in XXXX for XXXX XXXX, an overnight actually because I am WORKING again late on Fridays. 

It is XXXX XXXX and I received no warning at all from Chase that I would be receive this {$12.00} fee. NO WARNING. If I knew this, I would have bought my bus ticket yesterday and would be able to go home for XXXX XXXX. 

XXXX XXXX, https : XXXX, located in the XXXX Ohio HQ . If are you get her on the phone. It is best to politly decline any help from her and call back to get another CSR on the phone. She is not willing to help. 
I now have alot of time this XXXX XXXX to research policy and let fellow consumers know that it is more important to Chase Bank that they have {$12.00} from you because you have been poor the last month then a customer going to their only family on XXXX or to hitch hike down XXXX for XXXX to XXXX hours because that is the " other arrangement ''. 

I am closing with that I did not want it refunded. Just waived for one week so that I could go home. XXXX XXXX of XXXX Ohio ( https : XXXX ) Happy XXXX XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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:
XX/XX/2016, I was notified by local SSA office the trust account SSA was investigating found {$160000.00} missing and was told it was a loan. I phoned suspected person, and was told additional {$12000.00}. was taken from son 's trust fund also. 
Below, I have attached documents, and will be filing separate claims with this agency in an effort to have trust account bank 's cooperation in verifying all accounts associated with major trust account, to return all of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I was never contacted about this debt on my own personal phone, they contacted my brother, mother and sister in law, and spoke to them all about why they were calling, all gave them my cell phone number to call, instead they called my work and talked with my boss about what they claim they are going to take me to court for if I do not and stated that they were going to fax my boss over some documentation that I would need to fill out and send back to them. Never once speaking to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Collected payment for 1 year, but unable to give memoradon or title so I could get license. Refuse to refund pymts, due to breach in contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged interest on a recent credit card statement of XXXX which was onerous given that I had sent XXXX checks in the same envelope for the entire balance minus XXXX. XXXX check was for XXXX and the other check was for XXXX. I had made an error in my math as I normally pay in full which is why I noticed an interest charge. Given there was only XXXX balance remaining I was mystified that I could have accrued XXXX interest charge. After much repetition of their policy of charging interest on the average purchase balance I finally got the supervisor to tell me how that average purchase balance was calculated in my case. They applied the check of XXXX and for whatever reason, tho they posted having received the XXXX check as well on the same day, it was not included in the adjustment to my balance owing. Meaning, they calculated interest on a liability they did not have as they calculated it as tho the XXXX had never been received, tho it is clearly posted. They immediately credited me back the interest, but I was upset for all the people less fortunate than I who could have been unfairly charged, or do get unfairly charged all the time. Isn't it fraud to charge interest on a liability they did not have?
How could they do this? The resolution is not my being credited----they did that. Resolution for me is having someone explain to me how this is not fraud. And who and how and what gets to decide to credit the XXXX and not the $XXXX----if they were only going to credit one check before calculating interest, is it legal to only credit the check with the smallest amount paid in? What's up with that? The whole thing screams of fraud to me and made me sick to my stomach. Again, I am blessed and have the resources to pay in full and get "credited" when something snarky is done as I am a good customer, but what about all the others who are not so blessed, nor persistent, or just plain careful when they read their statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a chase XXXX Mileage plus club card that has a hefty {$400.00} annual fee. The credit card agreement promises various benefits including purchase/return protection. I had purchased an item on XXXX and unfortunately could not return it since it was pssed 30 days and my credit card return protection allows this benefit & lt ; 90 days from purchase. I called chase to make a claim according to the promised benefit l, however after nearly 2 hours and 8 transfers I am being told by chase that I did not have this benefit. Which is clearly not the case. They still advertise this still on their website and in the credit card agreement that hey had sent. The customer service and the responses that i got from the benefits adminstrators was absolutely horrendous.

Company response to consumer: Closed with explanation