vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CONTACTED CHASE AFTER AN UN AGREED CHARGE AMOUNT FROM A RENTAL CAR BUSINESS XXXX. CHASE MANDATED A FORMAL LETTER AND POLICE REPORT NUMBER. XXXX WERE PROVIDED FOUR MONTHS LATER AND AFTER A PHONE CALL CHASE WAS CONTACTED AGAIN FOR STATUS UPDATE. CHASE PROCEEDED TO INFORM ME THAT THERE WAS NO RESOLUTION AND THE DISPUTE HAS BEEN CLOSED NO ONE CONTACTED US NEITHER BY LETTER, EMAIL PHONE CALL NOR TEXT. THE VEHICLE THAT I RESERVED AND AGREED TO PAY WAS BROKEN PER THE RENTAL OFFICE AND THEY UPGRADED MY VEHICLE. OTHER OPTIONS WERE AVAILABLE SUCH AS PROVIDING ANOTHER SAME CLASS VEHICLE AND BEING XXXX THAT WOULD BE A POSSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased the residence in XXXX with no escrow account. Chase inserted an escrow account when they paid my XXXX property taxes that I also paid, affecting the accrued interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I set up bill pay with Chase and asked the payment to be delivered by a specific date. It was not delivered on time and I got a late fee. When I contacted Chase, several times asking them to do something about it, such as contacting the payee, they refused. They would not even contact the payee to explain their error to have the payee reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
As a result of a disputed and re-disputed transaction with XXXX involving XXXX credit card companies, Chase Credit card company deemed the transaction to be valid and now bills me for the disputed amount {$5200.00} plus interest which I strongly disagree with. The XXXX credit card company credited the amount of the disputed transaction submitted to them and has closed the matter. We never used any member product or member service at XXXX XXXX XXXX despite numerous attempts to book travel with them online because of dramatic inconsistencies with what was presented to us compared to online illustrations for actual bookings. The transaction resulted from a sales presentation that used bait and switch tactics representing prices and services that were not offered or available to members who tried to book services online after membership enrollment. These tactics were used to consummate the sale and smack of fraud. After membership enrollment, I could not access any services online at prices remotely represented in the sales talk. In fact, online XXXX per Diem prices were two, three and four times the average daily rates described in the sales pitch. Actually when NOT booking through XXXX, I found the same vacation stays priced more economically than online prices quoted by XXXX to their members. Also, incentives included in the membership such as a " dream vacation week '' were impossible to to reserve as dates and destinations could not be accessed as far as 1 and a half years out. Flight discounts excluded non-stop and one stop flights and air discounts touted were off the full price fares not wholesale rate discounts described in the travel club sales pitch. Once I digested all the issues connected to XXXX membership, there was no economic advantage to continue the relationship. The membership was sold as prepaid discounted vacation stays and instead would be travel costs were spiked to well beyond reasonable and totally outside the scope of the offering in the sales pitch. In fact, actual rates make the offering cost prohibitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint is with Chase Credit Card Balance Transfer Offer. Please see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I live overseas, and I 've been dealing with JP Morgan Chase, who closed an account overdrawn and due for a refund, which they would not process from a vendor due to microtransaction withdrawals being denied. They then proceeded to close my account after 60 days as " charged off '', even though I received confirmation from the vendor the refund went through, meaning I had a positive balance of US {$310.00} in my account. Chase refuses to re-open the account, nor will they mail me a check for the balance owed. I 'm currently living overseas, spent over an hour on the phone with their Deposit Account Recovery Team, who said they are unable to help any further and referred me back to Customer Service, who repeatedly tell me to contact the Deposit Account Recovery Team, despite my continual reminder of their inability to serve my needs. They 've trapped me in a loop of referrals in which no one will serve the complaint, and they owe me money, while continually charging me fees and interest on my credit balance, which has accrued by over {$200.00} since the issue began.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed an application with Chase for a loan modification due to a hardship in the in the family. All papers were filed appropriately and the " results '' were to see a very little reduction in my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I 've called and called and called and called and called sooooo many times about this account, still no luck. This account was opened fraudulently and I 've reported it several times and called about this credit card dozens of times. It seems that I get put on hold for long times, transferred around to different departments, my calls get disconnected, I get told different answers/responses, and so on. This company is going to have a lawsuit if they can not process a dispute correctly. I am so lost and do not know what to do, I ca n't get through to anyone. I 've been dealing with this for almost two years now. I ca n't seem to get a solid answer about this account nor will this bank remove it from my name. They claim I opened it because of payments that were applied to this account that I did n't make. I 've made a large payment recently to pay off the balance but they returned my check because there was no account found to the check, false. I have a checking account with XXXX and it is open, they just refused the check. So either way, I guess I ca n't pay off the balance. I made a large payment because they told me that I am going to be rebilled for some transactions and to prevent this from hurting my credit. Sometimes I am even told by Chase reps on the phone that my account is not accessible by them and that they have to get me to a different dept. that ca n't access my account either. So it 's like I am stuck in a hole and ca n't get out! At this point, I feel that Chase does n't want to assist me with this matter and that they do n't want to take a loss. But I have every right to request for this to be removed from my liability since I did not open it. Furthermore, my drivers license ID was stolen around the same timeframe for this matter. I 've even tried disputing the charges to get them removed, still they denied it. Just because the information on credit card applications and ID 's match does NOT mean that it is me, it could be someone that looks like me. WHICH IS ID THEFT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Per the exact wording of the letter sent to me, electronically, dated XX/XX/XXXX. your direct quote is " As we have explained, the Assignment of Mortgage transferring the mortgage lien from XXXX to Chase occurred in XX/XX/XXXX. You have been provided a copy of this document. Your letter contends the date on which the Assignment occurred adversely impacted your ability to refinance your loan prior to that point. We assure you this document would not have prevented you from pursuing a refinance of your loan or pursuing a sale of your home. 
Further, the recording of the Assignment did not impact the foreclosure process initiated on your loan because the process did not result in a completed foreclosure and sale. As you know, you sold your property through the short sale process ; you were approved to sell the home for less than the amount you owed on the loan. The short sale was completed in XX/XX/XXXX, at which time the loan was due for the XX/XX/XXXX, payment. Accordingly, the foreclosure was canceled and the property did not go to foreclosure sale. 

This is considered as new and material evidence : : : : please research this matter .... 

There was an instance when I attempted to conduct a VA Streamlie with you. Upon receiving the documents, I found them rather confusing and unable to understand the language within the documents. Also, I was informed by a representative within your company, the second mortgage would NOT be subordinated. I am well aware there are logs of every call I made to you. I am well aware any incoming calls to an " XXXX, XXXX, XXXX, etc Area Code, has an internal system that logs calls. I will await these logs, to match my logs from any and all telephone numbers bearing my name with you. aLSO, THE MORTGAGE WAS NOT ASSIGNED TO YOU, UNTIL after the short sale proceedings were commenced. Am I correct, or do I stand corrected?? Also, the servicer of the second mortgage is aware of the subordination clause commenced by you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC
State: DC

Complaint narrative:
Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I sent Chase bank a certified letter XXXX XXXX stating that I want a disclosure pamphlet of there policy that you are allowed to make a when there is a discrepancy with your mortgage account.. I asked that it be sent and call me when its sent off. Including a tracking number. It is my right to them. It is a federal law. They are not providing them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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 had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX credit card accounts I had with Chase are still being reported in error as charged off with a balance owed when in fact they have been canceled and I have already included the cancelled debt as income on my federal taxes and paid any taxes due on that income. 
I received XXXX XXXX forms along with form letter XX/XX/XXXX. The both XXXX has event code XXXX. According to the IRS, code XXXX is used to identify cancellation of debt as a result of a decision or policy of the creditor to discontinue collection activity and cancel the debt. The form letter states " We recently cancelled an unpaid debt on your account ''. 
To this date I have been unable to get Chase to update the information on the credit reports for XXXX, XXXX and XXXX. As a result of their inability to properly update my credit reports I have been denied a car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Went to a new Chase Branch in XXXX CA on XXXX XXXX XXXX, was greeted by the branch manager, was trying to deposit a cashiers check in my business account and was told because it was addressed to me personally that I was not allowed to sign the check over to my business which I have done over a 1000 times with every other representative at chase over the last 7 years I 've had this account. I asked if she can ask a supervisor and she said she was the supervisor and that she will NOT be depositing this check into my business account. I felt I was being discriminated against based off how she was responding to me and how unprofessional she was behaving on a simple request. 3 business days later, the completely closed my business account and no one at chase would give me any reason as to why. I have been with them for 7 years with zero disputes or issues and my account has always been in good standing. this was strictly done in spite because the manager was discriminating against me and had no justification for treating me this way and ultimately banning me from this institution. I will fight this until justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.

Company response to consumer: Closed with explanation