vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was alerted, through a credit monitoring service, that Chase Card had run a credit inquiry through XXXX and XXXX. I found that the inquiry was based on a fraudulent credit card application through Amazon.com. Whoever made the fraudulent application used my name, social security number, and home address. Chase refused to furnish a copy of the fraudulent application. Chase Card was negligent when they authorized a fraudulent credit card under my identify, without verifying the actual identity of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We purchased a house in XXXX of XX/XX/XXXX and used a reputable realtor and title company. We purchased the house free and clear. In XXXX of this year Chase put our home up for auction and listed it on the XXXX County website. Our mortgage is not with Chase. Our title company researched it and told us it had been removed from auction and that Chase admitted they made a mistake. Two months later we received a letter from an attorney offering help with our foreclosure. We immediately checked the XXXX county website and sure enough our house was listed to go up for auction, again by Chase who does not own the loan on the home. We purchased it from XXXX XXXX with XXXX. He bought it from XXXX XXXX who was deeded the home by XXXX XXXX. XXXX died in XX/XX/XXXX. Chase is trying to foreclose on a loan from XXXX XXXX and/or XXXX XXXX. Our title company ran a check on liens and it was free and clear for us to purchase. Chase needs to fix their mistake and stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed charging complaint against Chase Bank in Texas of XXXX, Extension XXXX that XXXX XXXX and I both unresolved problem XXXX XXXX PST, so I was unhappy with Chase Bank that Chase Bank Headquarters refused helped me today through telephone. I felt XXXX XXXX made discriminated against me as he or she told me that Chase Bank Headquarters refused helped me with opening bank account related with debit, checking, and Credit card applications. I can not alone with application for these banking services. I complained with XXXX do not interest in helping me with Chase Bank service. I must XXXX file extra charging complaints against XXXX XXXX XXXX made extra-neglected against me with deaf as she/he made her/his hatred against XXXX as i complained on XXXX acted in bad employee at Chase Headquarters as she/he rude against me as tell her/his employer must fired XXXX from job because of bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I 've filed a complaint against JP Morgan Chase Bank # XXXX. As of XXXX XXXX, there has NOT been a resolution of my brothers ' asset. We have XXXX CD, XXXX with XXXX. Chase has NOT honored these CD 's. The branch offices were unable to process these accounts. After his death, in XXXX XXXX, there were XXXX Investment accounts totaling {$49000.00}. As the Executor of the Estate, I requested to consolidate and cash in these accounts. I was told they could only find XXXX account for {$24000.00}. ( where 's the other {$24000.00} account ) They have the DEATH & the Appointment of EXECUTOR certificate on record. They have removed my named from a CD in XXXX XXXX. The branch office CAN NOT, HAVE NOT helped with these Asset information. " XXXX '' or " In Trust For '' funds are n't estate funds. Who is keeping their records?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Name : XXXX XXXX AKA XXXX XXXXPrimary Business Account # : XXXX Number : XXXX, XXXX ( XXXX ) XXXX have been originating a home loan through Chase, and the home is being built by the company/contractor, XXXX XXXX. Chase has previously completed an appraisal on the property, and the company XXXX XXXX has completed an inspection, however many errors and problems with the home have recently been discovered. 

Cracks in the foundation/cement in the basement Crooked windows Leaking in the basement Sewage backing up/leaking dripping into the basementThese are just the visible things that have been missed, and I have no idea what other structural issues are going on with this property. I now have deeper concerns about the electrical, the plumbing, and the structural integrity of the property. 

You have my permission to contact any parties in this matter to help with a resolution. 

The best way to reach me is via Cell Phone XXXX, and through Email. 


Thank you for your help in this matter, XXXX XXXX________________________________________________________________________Cell Phone XXXX # : ( XXXX ) XXXX Phone XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX # : ( XXXX ) XXXX : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Home Address : XXXX XXXX XXXX XXXX, OH XXXX House Address ( To be closed on ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX | Mortgage Banker | XXXX ID : XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , OH XXXX | Office : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXXXXXXXXXX |

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Every month started on XXXX day, Chase XXXX Department calls me regarding my mortgage payment. But by law, every mortgage customer has a 15 day grace period to pay. I get so afraid every time Chase Collection before my grace period ended saying " THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAIN WILL BE USED FOR THAT PURPOSE. '' The customer service rep always insist the only way to stop the collection calls, although, i 'm never late, is to request a COMPLETE CEASE & DESIST of all future communication. 
I find that to be very disturbing, as i am not requesting all future communication to stop, only the collection attempt ones for payment that is n't pastdue yet. 
I suffer emotional pain and distress after each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
I have contacted several times to advise the debt does not belong to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been pursing a short sale process with, Chase since, XXXX XXXX, XXXX. The XXXX lender, XXXX ( since submitting a complaint with CFPB in XXXX XXXX, XXXX ) has granted me permission to pursue a short sale of the property. Chase, is a the XXXX mortgage, which is a Home Equity Line of Credit. Chase continue to delay making a decision on my case. I can no longer afford to keep the home, due to a financial hardship. I am retired, and living on a fixed income. The home is a XXXX-story townhome, with XXXX steps. I am experiencing health problems, which requires me to see several physician monthly. My medical expenses are costly for treatments and medications. Heating and cooling of the home is over {$1800.00} a year. I am faced with expensive, emergency home repairs, and on-going maintenance. My income can not keep up with the cost to maintain the home. 
I have complied with all documentation requests from Chase. I have submitted all information accurately and timely since, XX/XX/XXXX.Chase continue to delay making a decision on the short sale requests. I have sent multiple repeated documentations to Chase. They have no justification to continue denying me approval to short sell the property. At the present time I continue to receive warning letters of threatening to foreclosure on the property, in spite of being in a short sell process. I truly feel as a XXXX year old, XXXX that I am being treated unfairly by Chase. I need your assistance with investigating my case to find out why Chase will not come to a decision on my short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
i did a modification through mortgage servicer. Just prio to the modification they sent me a change of interest, reducing by 1.5 %. They refused to honor it, stating it was ubder XXXX guidelines, but XXXX states they do n't own the loan. I have complained to them several times, they said they do n't have to honor it. They wont accept the payment based on the new rate, which will change in XX/XX/XXXX this year and agin to the orginal in XX/XX/2018 When i intitiated my modification they did an analysis that showed it was {$25000.00} less than wed but never reduced the principal,, stating they do n't have to follow hamp guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I RECEIVED A LETTER STATING THAT JP MORGAN CHASE SOLD THEE MY LOAN TO XXXX ON XXXX XXXX, 2014. IS THIS INFORMATION CORRECT OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. Bank issued me a XXXX XXXX XXXX XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. Chase Manhattan Bank assigned the debts to an XXXX XXXX XXXX XXXX without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX XXXX income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application XXXX to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed XXXX subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: OH

Complaint narrative:
ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.

Company response to consumer: Closed with monetary relief