vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I would like assistance in disputing the following charges {$7900.00} made on XXXX paid to XXXX XXXX XXXX and {$7400.00} made on XXXX paid to XXXX. These are XXXX companies who contacted us after we purchased what we thought was a legitimate online, home business. XXXX XXXX XXXX was supposed set up a business entity, create a custom business plan, corporate credit building and training. They did not provide the services that we purchased other than setting up the XXXX and submitting the wrong information to XXXX XXXX XXXX. This company took advantage of us by price gouging us for services we did n't need and did n't even deliver. XXXX was supposed to do social media pages, XXXX marketing and product sourcing. They sent us an awful XXXX sample video. Bottomline is we have been taken by these companies and would like Chase to help us obtain a refund of the money that they have unjustly received. I think based on the time that has lapsed, these guys are never going to deliver and at this point it is clear that they were not going to in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC
State: KY

Complaint narrative:
Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Finance is charging a {$10.00} " return payment '' fee for not being able to process an automatic paymentThis fee was assessed AFTER Chase had already been notified that my account had been closed and to cancel automatic payments. Chase had also already deposited checks I sent for paymentIt is clear that Chase is blatantly charging consumers fees for NO reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I noticed that Chase will charge an NSF fee to make it seem as if it is an opportunity to charge a fee, but I also noticed that upon making a purchase with lots of funds yet it stays in the pending status for a day or two. Also, I notice when my deposit check and purchase at the same time, within a few hours or same day, the bank will charge a fee, making it seem as though due to less funds they have to charge a fee which is a not so good advantage as they can see the funds in their systems, and take it immediately out of the pending status and the merchant did not even request it that fast. I feel this help keep the bank funded at the consumers ' expense, as this economy is very stressful. 

My deposit was made before the cut off time but yet I was charged a XXXX dollar fee in my account. This also happened before. I was charged another XXXX dollar fee. I work hard to keep my account in correct form because I have been a Chase customer for 45 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: VA

Complaint narrative:
On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Being charged late fees when multiple payments were made during the month and once was before due date. Several times this yr I have made payments during the month that are being credited for the previous month. This has caused my payment for the current month to be late. Example in XXXX I made a payment that was accredited to XXXX because the payment was mad XXXX XXXX. Also in XXXX I made a payment on XXXX XXXX and it went towards XXXX, meanwhile I made a payment XXXX XXXX that went towards XXXX however I still got a late charge for XXXX. My XXXX Payment was made on XXXX XXXX however if I dont make another payment I will be considered late in XXXX. If this issue were clearly explained at any time, it could have been corrected months ago. I am certain Chase Credit card company is charging many people multiple late fees when payments were made more than once a month but considered late due to date received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a fraudulent transaction on my checking account. I called Chase the next day about the fraudulent transaction. After two months later, I was told that the claim is denied because the merchant provided that the packages were delivered to an address.I do not know how the theft stole my information online. It was an online transaction and the theft used my name, address and card number to made the purchase. However, the shipping address is not mine. I am living in XXXX and the delivered address is in XXXX. I did not receive any package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an XXXX and my wife is an XXXX. I actually used to XXXX. We went homeless two years ago after my wife contracted XXXX and all our savings was used on copayments for care that ended up doing nothing. We live out of an RV. I can not get a bank in XXXX to open even the most basic checking account because I have no proof of a physical address. Can you assist? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I made monthly payments on a Chase credit card via auto pay through their website. The payments showed made each month when I logged in as well as on my monthly statements.Then in XXXX of 2016, they reversed every payment saying my bank refused them. We are talking years worth. My bank said they never returned any payments. Since I could n't see the payments coming out of my bank, I paid Chase very soon after each time they hit my account with returned payments. They did that in about XXXX batches totally almost {$5000.00}. Then, they reported to the credit bureau that I made these payments late! I do n't know what happened in the inner workings of Chase Bank and my bank XXXX, but to my knowledge those payments were being made each month in a timely manner, my proof is my statements from Chase. In all those years I have n't been late on any payments. As soon as the problem arose, I paid Chase. They should n't have reported me as willingly making late payments, when I had no knowledge there was a problem with my payments to Chase until XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have been a Chase Credit Card customer for XXXX and the former XXXX airlines miles club for over 10-years. On XXXX XXXX, XXXX my credit card valid through XXXX XXXX because I pay a yearly fee ceased to be accepted by at point of sale companies. I called Chase and they stated that they stopped accepting the credit card because I had not used a chip enabled card since XXXX XXXX. I stated that I had not received it and through exchange with the Chase, the chip enabled credit card was never in use. Chase stated that they have to send me a new chip enabled credit card with different account numbers. I stated to chip enable a credit card with my current account as I have all my utilities and banking transactions based on this card and to reactivate my old card ( re issue ) as the previous chip card was not used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
we have a rural development loan for a home that got sold to chase we got it 5 years ago, than recently i had XXXX XXXX XXXX and we incured alot of medical debt and we fell behind on are mortgage payments. we have tried to do a loan modification 5 times and keep getting denied they loose paperwork and keep giving us the run around we want to stay in our home and are doing everything we can to get caught up, but chase seems unwilling to work with us. they say we only qualify for a short sale and keep threating us with foreclosure

Company response to consumer: Closed with explanation