vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was doing a loan modification and was told not to make any payments. During this time, the bill became so high that there was no way to pay over {$150000.00} on past due payments. I finally got it completed, did my three ( 3 ) trial payments and then was sent new loan docs. I signed and sent back to Chase bank. During the time the docs were sent back, the loan was transferred to another servicing agency called XXXX XXXX XXXX. They knew of the status and kept pushing back the sale date since we were both waiting to have Chase upload the docs and then get them to them and then I can start making my payments. Roughly 5 or 6 months go by and I call in as usual expecting the sale date to be postponed once again and this time was told that it is to late and Chase told them to foreclose. This was 3 days before the sale date and they did this knowing I could not pay over {$150000.00} to get current or time to get an attorney to file anything to stop it. So myself and my XXXX children were kicked out of our home. They also mis-calculated my property taxes and then added more taxes onto the original note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Dear Sirs : I have been referred to you by XXXX XXXX, XXXX Oregon. 
I am writing on behalf of a Chase client, XXXX XXXX XXXX, now in fragile health. I was appointed by her to act as her Power of Attorney, and her testament was drafted by XXXX XXXX, Attorney at Law, recently signed by her and witnessed. I presented to JPMorgan Chase Bank , NA, Branch XXXX, XXXX XXXX and XXXX on XXXX XXXX, 2016, mid-morning. I was assisted by XXXX XXXX, a polite and professional gentleman. who entered the required information in the computer after receiving acceptance by the legal team. I was told to allow XXXX business days for processing. The following Thursday I again presented to Chase, and was told by XXXX XXXX that XXXX was on vacation, that the POA had not fully processed, but she was able to process XXXX CD account for me. I presented again this morning at XXXX XXXX., and met with XXXX who explained that the POA had indeed not fully processed, and that he would expedite the matter. 
I need to review documents contained in the safety deposit box. I have been waiting eleven days and continue to wait as I try to expedite several matters on behalf of XXXX XXXX. I am grateful she has accounts at another bank at which I was not detained for more than one hour while all data was processed at that time. 
I am now at thirteen days and waiting. I appreciate your kind assistance in this matter. 
XXXX XXXX, XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX Mileage Plus Explorer Card is through Chase Bank. XXXX / Chase offers XXXX bonus miles " after you spend {$1000.00} on purchases in the first three months from account opening. '' That statement is on an advertisement on the wall of every airport that XXXX XXXX serves, it 's on the brochure in every seatback, and it 's on the card 's website. ( The link is too long to post. Just XXXX " XXXX XXXX Plus card. '' The first thing you see is the XXXX bonus mile offer. ) We more than met the requirement. When the points were not added to our account I spoke with a Chase rep ( name of rep and date of call available ) who looked at our card usage, agreed we had met the requirement, and attempted to get the miles credited to our account. In response I received a letter XXXX XXXX from XXXX XXXX, Customer Service Specialist at Chase who denied that we had met the requirement. That precipitated my second call ( name of rep and date of call available ). The rep agreed we were entitled to the bonus miles and said that she was going to use a different " channel '' at Chase to get the points credited. A second letter from XXXX XXXX, Senior Financial Service Specialist XXXX arrived XXXX XXXX. This one said " As previously advised we only consider MATCHING BETTER OFFERS ( emphasis added ) within 90 days from the open date. Since you were outside of that timeframe, I regret that I am unable to take further action regarding the enrollment offer you requested. '' Please note : my complaint has nothing to do with " matching a better offer. '' XXXX XXXX has the wrong account in mind or something. 
I called XXXX XXXX six times at different times of the day from XXXX/XXXX/16 to XXXX/XXXX/16. Each time I had to leave a message. XXXX XXXX never returned my calls. 
I am exceedingly provoked by Chase attempting to stiff me, and by XXXX XXXX refusing to answer my calls. What 's the point of a Service Specialist putting a phone number with the hours he takes calls at the bottom of his letter if he does n't return calls? 
All I want however, is for Chase to honor the offer that they made. 
A check box below asks how much money we lost. We have lost nothing out of pocket, but XXXX miles will fly me or my wife to California and back -- which is worth about $ XXXX. One of the reasons we signed up for the card was the offer, so in that sense they are defrauding us of as much as {$500.00}. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a credit card holder at Chase since 2006 under the Chase Freedom card. Upon review of my account, I called to inquire to see if I could change my card to a XXXX card, so I could benefit from the travel rewards that are gained through purchases. I went online and saw that they were offering XXXX points for the first {$4000.00} purchased in the first XXXX months, as well as various other features. During my phone call the woman who assisted me told me that she could change my account to the XXXX without an issue. I asked numerous times ( the call was recorded ) that as soon as I receive my card that after I make a {$4000.00} purchase that the XXXX points would be applied to my account. She said yes. I confirmed a few more times, and she said yes. She also stated that she would keep my existing 9.24 % APR, and wave the {$95.00} fee for the first year, which was another feature advertised on the website. I received my card yesterday, called to verify it was up and running and that I could make the {$4000.00} purchase to gain the XXXX points and was told that the XXXX feature ONLY applies to new customers, not an account switch. Not at anytime was this told to me, but rather the complete opposite, and it was confirmed multiple times. I explained this, asked to speak to a supervisor, and was told that the {$95.00} fee was going to be waved, as well as keeping my 9.24 % rate, but the XXXX points would not be given after my purchase of {$4000.00}. The supervisor told me that was only for new customers, I explained that my conversion, on a recorded line apparently contained incorrect information. The supervisor said that they would pull the call and 'reprimand ' the customer service individual who provided me with the wrong information. None of which solves my issue. I explained I was a customer since 2006 and if this was not honored I would be closing my account. They did not seem phased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I received a judgement against me through the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX without receiving a summons or with no knowledge of what the debt was for. Through my research, I have been informed that it is from a JP Morgan Chase issued XXXX ending in XXXX for the original amount {$1200.00} ( case # INCXXXXXXX ). I am a former Washington Mutual checking and savings account owner and a current Chase Bank account holder. I have no record of owing this money on my end and would think that since I am a current account holder and have not had a break in my account holding status with Chase Bank for the past 10 years ( even when they were Washington Mutual ), I would have been made aware of this. I know there was a Califronia lawsuit petitioned by the California XXXX XXXX XXXX that was awarded in the consumers favor for false and fraudulent debt collection practices by JP Morgan Chase between XXXX XXXX, XXXX and XXXX XXXX, XXXX. This was to be repaid by Chase Bank to the consumers for the amoutn owed plus 25 % excess above the amount owed. I have no idea how to move forward with getting reparations and the removal of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a XXXX Mortgage with JP Morgan Chase and a XXXX Mortgage with XXXX XXXX XXXX. I refinanced the XXXX Mortgage with JP Morgan Chase with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with XXXX XXXX XXXX through the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). As I was starting to realize that I was in need of the XXXX Mortgage with XXXX XXXX XXXX Modified also, I received a XXXX loan through my XXXX Mortgage with JP Morgan Chase which changed the account number. I did not request this new loan. Chase just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with XXXX XXXX XXXX XXXX due to the now new mortgage was no longer the HAMP mortgage. I feel that chase hurt my situation of have the much needed XXXX mortgage modified. I have worked with Chase and XXXX XXXX XXXX since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by Chase and they are working hand and hand with XXXX to block me from having my XXXX mortgage with XXXX XXXX XXXX from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX. 

This Complaint should be forward to XXXX XXXX XXXX as while It is there XXXX mortgage that I needed to have refinanced on the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). It is them that are denying the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). See attached document for account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been training to short sale a house in XXXX XXXX, NM. I have had a purchase offer from a willing and qualified buyer, since XXXX XXXX, 2015, but after receiving numerous " commitments '' for conditional approval from the lending institution personnel, almost six months later, all parties are STILL waiting for an approval that seems unlikely to ever come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I wish to reopen Case number : XXXX because the response by Chase was not adequate or acceptable to address the issues. Chase went into my husband 's XXXX credit report on XXXX/XXXX/2016, which was before they sent us the original refinancing documents. Then he could not access his report by XXXX during the mortgage application process to correct any problems. The original terms of the contract they sent was 3.125 % on a loan of {$350000.00} and a cash from borrower of {$7100.00}. They knew what his credit score was and lured us into trying to refinance with them. Then they pulled a bait and switch. We deserve the original terms of the documents that were sent to us. Chase does not respect its long-standing customers and dupes its clients into accepting terms that are a " bait and switch '' tactic, which should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Made a deposit at a Chase ATM in XXXX AZ on XX/XX/2017. It instructs you to put cash and checks in all together. I did this. {$440.00} in cash and a check for {$500.00} dollars. the screen showed one item not accepted. When the transaction was completed it did not return the check and there was no notation of the check on the receipt. Immediately called Chase. They filed a report, and issued a credit to my account. It is now 13 days and this issue has not been resolved. I have called the number provided twice in the last three ( 3 ) days, same answer, not information available. How is it that a ATM machine can have this type of malfunction and they do not take immediate action. Also told they have no direct contact with whoever is " investigating this. This is a major issue with Chase 's brand new design ATMs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mortgage was NEVER {>= $1,000,000} the highest loan amt I had was in the XXXX ranges! Could you please correct this! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Avantus, LLC
State: WV

Complaint narrative:
Bankruptcy still showing on all XXXX credit reports after ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
United Wholesale Mortgage failed to notify me that my mortgage was sold to another company. In my opinion, this violates my rights as a consumer that has an excellent credit rating, because now I am unable to make any mortgage payments. I have no idea on who my new mortgage company is and am unable to continue making my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief