vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Delray Capital, LLC
State: CA

Complaint narrative:
I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.

Company response to consumer: Closed
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I reviewed my credit report and I saw XXXX credit cards in my report. I never opened these Credit Cards, XXXX with XXXX XXXX in XXXX XXXX, XXXX and the other XXXX with Chase Bank in XXXX XXXX, XXXX. I opened my first Credit card on XXXX XXXX. How XXXX can add This companies in my report when they can verify when I got my XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2009, I was forced to file Chapter XXXX bankruptcy. None of my payments were ever late. I spent my savings down making payments before I filed. I had a home equity line of credit with Chase Bank. This year as so many have done, I tired to settle with them. I know of successful settlements from XXXX-XXXX % and know of some mortgages being extinguished but they would not settle with me. The government sued them and then turned around and gave them the money and power to decide who to settle with. A fox in the hen house situation. In the meantime, my home is falling apart. My XXXX mortgage is current. Because I filed Chapter XXXX, JP Morgan Chase is not permitted to use collection activities on me. However they continue to call me and as soon as I answer, they hang up. I called the collections agent, XXXX XXXX ( XXXX ext. XXXX ) and he was very rude and snide and told me amongst other rude comments if I do n't like it to call ( hire ) a lawyer ( which I can not afford ) even when I told him that what they are doing is illegal according to the Fair Debt Collections Act. I was previously trying to settle with them in good faith because my house is falling apart and is worth nothing to them however they still illegally call and harass me about it. I am a XXXX person with stress and anxiety issues and lost a lot of income and if they wo n't settle with me, I sure do n't need them calling me all time reminding me I am imprisoned in this situation. 
When Chase approved my HELOC, they valued my house way over what the value would ever be leading me to believe if they worst did happen that I would be able to get out of it with some equity which was false. My home will never be worth what they appraised it at. They also cut off my ( and many others ) HELOC without notice with a settlement to consumers of {$35.00} which I refused. I report all of these things because Chase feels they are above the law and have been censured in courts for these types of actions yet they continue to practice them illegally. I take photos of the calls on my cell phone with their number as an incoming call and have quite of few of them to take to court if need be. They can be fined {$1000.00} for what they are doing but I wanted the government to also censure Chase for what they are doing illegally. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: CO

Complaint narrative:
My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
*Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have had a mortgage from Chase Bank in the past and was satisfied with it so I decided to try and refinance with Chase Bank hoping for similar results. I paid a {$500.00} upfront fee which prevented me as a consumer from shopping around for other loans. I trusted that they would finish my refinance in a timely manner and handle my personal information with care as they had done in the past. 

I received very poor service after Chase Bank knew I could not shop around for another loan. I had to call multiple times weekly to get the underwriter to work on my loan. They would then drag their feet and ask for more documents which I had already sent them. They lost several sensitive documents concerning my financial and personal information. I have completely lost confidence in their ability to handle my sensitive information. 


I was told XXXX/XXXX/15 that it would take 7-10 days to process my loan. It has been almost 90 days and the percentage rate I have locked in is almost expired and it does n't look like I will be able to refinance due to Chase bank not responding to my request to work on my loan as well as losing sensitive documents with my personal information. Now I can not trust them to finish my loan, or handle my information, and at the present time wo n't refund my {$500.00}. 

I have recently found other loans a quarter of a percent lower with closing costs covered. I found out none of the other loans offered to me had an upfront fee which would prevent me from looking at other loans like Chase Bank required and thus preventing a free market for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I did n't pay off my credit card in full last month ( XX/XX/XXXX ). The bill was {$7200.00} and I paid off {$4000.00}. Normally we always pay this bill off completely. When I calculated the interest we would owe, I based it on the remaining amount due, {$3200.00}. When I received my statement for XX/XX/XXXX, I discovered I was charged interest on the amount I had already paid ( $ XXXX ) plus the amount I did n't yet pay ( {$3200.00}. ) Is a credit card able to charge interest on an amount I do not owe? A second question : I was planning on paying the remaining amount off today, prior to the XX/XX/XXXX due date ( that 's why I 'm catching this now ). If I pay the amount of {$3200.00} off today, is the same amount of interest charged? My annual rate is 15.74 %. Does n't annual mean 365 days? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made an application at Regions Bank over XXXX months ago. I was given a committment and the loan was schedule to close from XXXX XXXX. I was given an extension afer being told by the Bank that I needed extra time for a bond to be processed. The extension was granted to XXXX XXXX and up to date I can not get a cleared to close. I have been trying without avail for anyone to communicate with me as to what is happening on this loan. I have given up my appartment and I am a single mom with XXXX small girls and I dont know what to do or where to go. I have given the bank all the documents they required in a timely manner and I just need to know why. My previous loan officer who started the file resign and after that no one wants to do the file and has asked her why is she always tring to help these " little people ''. I guess my loan amount is too small and I am a minority.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation