vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE USING XXXX I deposit a check on XXXX/XXXX/2016 and Chase decided to put a hold until XXXX/XXXX/2016 when the check was from the same institution, yet on the XXXX/XXXX/2016 received confirmation from the check issuer proof that the check was cash and clear their account. 
I find this very deceiving not a good business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a checking account, savings account, and a credit card with Chase Manhattan Bank, using XXXX of my company 's check 's totaling {$1900.00}, and I put a {$4200.00} cashier 's check in my savings account. They then told me it would take time for the checks to clear. After the checks cleared they refused to release my funds stating they need to verify the signer of the check. The signer of the company 's check went to the branch twice, and along with the bank representative did everything the fraud department requested. At that tine the bank rep. requested the funds be released. Later that day we found out that the fraud department still refused to release my money. I 'm disgusted, and told them to close my account and return my money. They said it would take XXXX to 45 days to get my money after the account closed itself funds would be released. XXXX XXXX days later they still had my money. Chase had closed my account, took the funds out my account, and put it in a special account. Chase Manhattan Bank stole my money and refused to return it. When I went back into the bank I was back to square XXXX, where they told me they still needed to verify the signer of the check after 45 days. If they thought this was fraud why did n't they return the money to my company?????? instead the just kept the money ... .what if my company closed and I could n't find the check signer ... would they just keep my money. Luckily the signer of the check is getting a copy of her signature from my company 's bank. If we are successful it will take another XXXX business days ... the saga continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Visa did not properly protect my rights as a consumer when I disputed a charge by a XXXX '' company. I had to call CHASE numerous times to get the information card mailed that provided the instructions to dispute. They were not very cooperative until months later. Thankfully I had clear cut email documentation of the vendor failure AND I provided email documentation from the XXXX '' Company that proved they had not provided services as advertised to CHASE. 
Chase summarily found in the vendor favor. I FIRMLY BELIEVE THEY NEVER REVIEWED THE DOCUMENTATION Until I escalated the complaint to Chase Visa " EXECUTIVE '' Office and fought for my rights. They finally agreed to dispute properly. I followed up with Chase Executive Office and was never called back to discuss my treatment. I gave them plenty of time. WATCHING THE XXXX SPEECH by the widow who was a victim of the scam reminded me that CHASE was more than willing to give me NO SUPPORT with my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
Person by the name of XXXX XXXX has consistenly called my place of work asking to contact me ( XXXX XXXX ) on an urgent message, even though I told them I do not wished to be called further, as has my work 's receptionist. They continue to call even after I have told them I do n't know what they are talking about, and to call ( XXXX ) XXXX. The number varies from time to time, as does the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed all of my accounts without providing a reason. When I ask for an explanation all that I 'm told is, Chase has decided that they no longer want do business with you and we have terminated our relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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 XXXX XXXX, 2016 I opened up and account online with Chase. After I submitted my online application I received an email telling me that I was approved and I have to verify XXXX small deposits that they made into my current bank. Two days later, I verified the trial deposits. At that time, I was giving a checking account number and a savings account number and also received a visa check card in the mail. A few days later, I go online to logon to see if the transfer from my current bank of {$50.00} had been posted to my Chase account, since it cleared my current bank and Chase required a minimum of {$25.00} each to fund the account. When I tried to logon, I was given a message to call an XXXX number because I have been denied access. At that time, I was told my accounts were shut down and I would not give me any more information. I call Chase and ask them about my refund and they informed me that it would be deposited back into my account. On XXXX XXXX, and after not receiving my {$50.00} into my account, I called them and was told they were not allowed to give me any information and I will be getting him a check in the mail but that 's up to the discretion of Chase on how I will get refunded. This is completely unacceptable how they pick and choose what customers they want to. If they did not want me in the first place, they should not have taken my {$50.00} and sent me a check card or given me too account numbers and a direct deposit form to give to my employer for payroll. These improper business part says by Chase is discriminatory. Their customer service agents wanted me off the phone as fast as possible and refused to answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Fail to reverse unauthorized charges - fail to real email indicating I have no dam phone - fail to mail or email - all details were submitted per bank request - still have not reversed charges or send new cc card. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have several credit care accounts managed by Chase. I had taken a balance transfer offer from Chase upon opening XXXX of the cards. The balance transfer came with a 0 % finance rate for about 9 months. I made payments on time and before the promo rate expired, I paid off the remaining balance. Within 1 week of paying it off, Chase reduced the credit limit of all of my accounts with them. I went from a combined limit of about XXXX down to about XXXX. 

I believe Chase arbitrarily reduced my credit limits as 'punishment ' for paying off the balance and avoiding finance fees. 

This action by Chase severely degraded my credit limit to balance ratio and resulted in a very negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An employee, " XXXX XXXX '', from XXXX XXXX XXXX tried to get me to pay for a debt that was already paid. He had all of my personal information regarding the debt. However, this debt was paid. When I asked for valid paperwork, I was transferred to his manager who explained I would be taken to court. 

Previously this company called me about a different debt that I was suspicious of. I did give them {$1500.00} for that debt. 

This time they wanted me to pay {$2700.00}. They are obviously a scam. The number they called from is XXXX and " XXXX '' is at extension XXXX. 

The more questions I asked and suspicious I became, the more they became aware that I was not going to pay their debt. They are con artists with access to many people 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have NEVER been late with a payment on this loan. 

Yet, Chase bank routinely harasses me with collection threats that they state are required by Federal and State law. 

Not all correspondence contains these threats, only some of the correspondence I receive. 

Provide the Federal law, State law, rule or term of the note that Chase routinely refers too that affirms the threat contained on some of the banks correspondence and made during some of their telephone calls : " This communication is an attempt to collect a debt and any information obtained will be used for that purpose '' ; " Any payment you make on the account is voluntary, but we still have rights ... ... including the right to foreclose on the property ''. 

Chase has been told that these threats are unnecessary and are deemed by me as harassment. They have refused to stop and asserted that these " threats '' are some how required by law for folks who are not late and/or never have been on the loan. 

So Chase, provide the laws that you are referring too. 

My suspicion is that there are no such laws requiring such threatening language to folks who pay on the note as required. So, if I 'm incorrect about this issue then cite the Federal and State law ( s ) you 're referring too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my report there are XXXX chase auto loan inquiries from same chase bank they ran the same credit check twice both were not suppose to be ran because I was approved for a loan and the car dealer ran my credit on accident not understanding I was already pre approved. I am asking for them to be removed because I never gave permission to have my credit ran or tried to attempt to get a loan from this bank. This was not my wrong in doing it was a miss communication with dealer that thought I needed a loan but i already had one through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Without my permission or agreement, Citibank opened a credit card in my name, posted {$12000.00} in charges, is charging me interest and late fees for not paying, is reporting this to credit reporting agencies, and refuses to reverse the above. I never agreed to the credit card and I have never used it. I have repeatedly advised Citibank of this and requested all be rescinded, but they refuse. The latest refusal was by XXXX XXXX, Executive Response Unit, Office of the President of Citibank at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I took out a {$15000.00} interest-free ( until XXXX of XXXX ) loan from my Chase Slate account for home improvements, which was reflected on my XXXX XXXX, XXXX statement. There was a {$300.00} balance transfer fee, which I paid, along with my purchases of {$90.00} and also a payment of {$1100.00} toward the {$15000.00} loan. Then on my XXXX XXXX, XXXX statement, I was charged {$.00} interest on purchases. When I called to ask, I was told that it did n't matter how much I paid each month, even if it was way over the minimum, I 'd be charged interest ( 11.49 % ) on my purchases. I was told this was a " revolving account '' and that there is n't anything I can do to keep from being charged interest on the purchases, unless I pay the entire balance off. I have just paid again, and I am going to call to see if they will allow me to apply an amount of my choosing towards my purchases during the last month. Either way, I am not going to use this credit card for purchases again. Beware of these offers of " zero percent interest ''! They are misleading.

Company response to consumer: Closed with monetary relief