vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX offers a Mileage Plus Explorer credit card along with Chase Bank. The advertisement on the XXXX website says that if I apply for the card, receive the card and use it, I will receive a {$50.00} credit. I applied on the computer, received the credit card and used it, however, both XXXX and Chase refuse to give me the {$50.00} credit. There is no other condition cited on the website that I must comply with to receive the credit. I called twice and received a letter from Chase, but it makes no sense as to why they refuse to pay the credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a chase credit card on XX/XX/2016 my XXXX profile and XXXX and XXXX recommends me to apply for a Chase Freedom credit card. I must of forget to follow up on the inquiry on XX/XX/XXXX I receive a letter from Chase to contact them. I was told because I have a fraud alert on my credit file, but with no contact number I would have to contact XXXX. So I called my senator and he gave me the corporate number of XXXX. I talked with XXXX of the Executive office he was surprised that someone was able to bypass the automated system and come in on a straight call. He updated my fraud alert phone number on my credit file, he said that it would take minutes to update. So, I had a previous dispute report number I used it and the proper information he place was in my credit report with my contact number of XXXX. I called back to Chase bank today on the XXXX/XXXX/2016 and after the agent verified the code sent to my cell phone, she said " you called here yesterday '' I said yes I did I told her the story like I explained in the above, she did not do anything. Her voice and tone were very rude. I asked for a supervisor she said why then the phone discoed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE VISA CREDIT CARD HAS DENIED MY REQUEST TO REVERSE A {$1300.00}. SECURITY DEPOSIT BY XXXX XXXX, XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I filled a dispute about charges not authorized by me. They sent me a letter stating after the investigation they determined the charges were valid. 
How?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I seemed to have misplaced my old mortgage information for the address of XXXX XXXX XXXX, XXXX CA XXXX. I am hopeful that JP Morgan Chase can assist since the loan was through them and paid off in full. I am wanting a paid in full receipt for that loan if possible. I spoke with someone on the phone who was able to locate the loan information, but I am just wanting a confirmation in writing that the loan was paid in full as agreed. The loan was paid in full in XXXX or XXXX of 1993. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possibl

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My copy of the copy the Home Equity Line Line of Credit Agreement ( Note ) states that the loan # is # XXXX. ( copy attached ). 
After sending me copies of documents with loan number XXXX, Chase now claims that they have no loan with that number. On XXXX XXXX, 2016 I sent Chase a request for information in connection with the subject HELOC loan which originated with the # XXXX. Chase responded on XXXX XXXX, 2016 stating, " We also did not find a loan ending in # XXXX. '' ( copy attached ). 
On XXXX XXXX, 2016 I sent Chase Mortgage Payoff department a Mortgage Payoff Request for Loan # XXXX. Chase responded in a letter dated XXXX XXXX, 2016 stating " With the information provided in the correspondence, we could not identify a Chase account. '' ( copy attached ) On XXXX XXXX, 2016 Chase sent a letter stating " We 've confirmed that we do n't have an account for you ending in XXXX. '' ( copy attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was in modification with chase bank and they decided to stop the process and foreclose the property without any letter or follow up. The property sold this week and and the new owner sends a letter about moving out within so many days and we had no notice from chase about any of this happening the lawyers never sent any correspondences what right do we have as consumers when big banks just shut the door on property owners without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Sunday XX/XX/XXXX I opened an envelope to find an Amazon.com Chase Visa credit card. A card for which I never applied for, never authorized nor did I want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank USA is reporting an incorrect balance on my credit reports. Chase sold the account and the account was paid as agreed and should currently reflect a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX Reward offer a false promotion to cath a customer for their Hotels and credit card. I apply 1 mont ago for the XXXX XXXX credit card for the benefit to travel in their hotels and Saturday XXXX XXXX, i booked a trip directly for the XXXX for the hotel XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and the air fare tickets, after that, i called a XXXX XXXX assistance to apply for the benefit ( Club level upgrade and {$100.00} credit ) and the operator told my that is impossible because i booked my travel from third party ( XXXX ). 
I sent to XXXX the evidence to show that my trip was booked in their website directly, and the receipt from XXXX ( XXXX XXXX partnership ), never from XXXX, but they did n't want to honored the reward offered. I explained to XXXX XXXX assistant step by step how i completed my purchase from XXXX and send us the evidence but i no have any positive answer to solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Excessive fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered XXXX XXXX yesterday ( XXXX/XXXX/2015 ) from Chase branch XXXX at XXXX, NY. The bank applied XXXX ( equivalently, XXXX XXXX per USD ) exchange rate, which is 11.3 % higher than yesterday 's close FX rate of XXXX ( equivalently, XXXX XXXX per USD ). This means I overpaid {$140.00} out of totally {$1300.00} to get XXXX XXXX. 

Misled by my past trust to Chase service, I only realized this ridiculous overcharge last night. When I called the branch manager today, he said there is nothing they can do. They follow a standard practice to mark their FX rate to retail customers. 

I feel the practice to mark FX rate 11 % higher than market close for retail customers is outrageous. Therefore I am filing this dispute, not solely to refund my own money, but to ask Chase to ( 1 ) Always disclose, orally and in all receipts, how many % the retail customers are over paying for foreign currencies comparing with FX market close ; ( 2 ) Disclose to public in past 10 years totally how much dollar amount did such overcharge accumulate ; ( 3 ) Apply a % cap on how much such over charged FX rate could be compared with FX market close ; ( 4 ) Investigate their internal practice of marking FX rate for retail customers and disclose the result to public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered a spa cover on XXXX the XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ca and they charged our XXXX Card for XXXX. We called them later that day to tell them that our spa maintemance guy had found a leak in our in ground spa and that he said it could not be fixed. He said that since he had already charged our credit card that we had to pay him for the {$35.00} in discount fees. Surcharging is illegal in CA and we live in that state. I requested that he issue a credit on XX/XX/XXXX and followed up with him in XXXX to let him know that we had not received the credit. We called our credit card and disputed it. He is not threatening a lawsuit if we do n't pay {$70.00} in crediot card fees he incurred for both the sell and chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been trying to get my mortgage caught up since XXXX when I called Chase Mortgage to ask for a letter stating that my home was close to foreclosure so that I could take money from my XXXX to catch my payments up. They sent me that letter and I applied for the money and received it on XXXX XXXX, 2015. At that time I called Chase to make the payment and was told that they would have to send me a reinstatement notice which I never received and I just found out today that they sent it to a foreclosure attorney irney instead. I called the attorney ( XXXX and XXXX XXXX ) and was told they would have to order a reinstatement. In the mean time I received a notice from Chase giving me the amount that I would need to pay in full and it stated that I would need to send certified funds but it did not give me a specific address to send it to. I called Chase back at the number that was provided me to call when I received the notice ( XXXX ) Ispoke with XXXX XXXX who told me that I would need to call the attorney for that address. I called the attorney and XXXX told me that they had not received any information from Chase as of yet and if Chase had sent me this notice of amount due then they would need to provide me with an address to send it to. I called Chase back and I have since spoken with XXXX more people, XXXX of which was giving me an address to send it to when we were disconnected. I called back and of course I could not get back to that person so I had to go thru the same spill with XXXX other people who then again tell me that I will have to deal with the attorney. So at this point I have a bank that will not take my money and a foreclosure attorney who does n't know anything. I finally got to a lady ( XXXX XXXX ) at Chase who called the attorneys office herself and she was told that they do indeed have the paperwork and it will be completed in XXXX hours. Why is it such a problem for people to tell me exactly what I need to do to get this taken care of and why was I told that Chase would do XXXX thing and then they do another. I have spoken with XXXX people today just to get to XXXX XXXX who maybe is telling me facts. I made my first call at XXXX today and I just got off the phone at XXXX. I am concerned because now not only do I have to pay the late payments but I will be charged attorneys fees which I would not be paying if Chase had done what they told me they were going to do. I realize this is my fault that I am in this situation but I am trying desperately to correct it. I was told today repeatedly that the reinstatement notice was sent to me when in fact it was sent to the attorney.

Company response to consumer: Closed with explanation