vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I submitted a complaint for the third time and it appears that JP Morgan Chase is not working on resolving this issue with me. I purchased my home in XXXX and I never refinanced my property. JP. Morgan Chase faxed over this XXXX what appears to be a new mortgage loan with my name forged on the HUD 1 which is government fraud, and the entire loan application. I am trying to discuss this in a professional manner in hopes that they will resolve this issue with me, but I have not gotten any results as of yet. I contacted the prosecutors office in XXXX nj and was informed to contact the local police and make a formal criminal complaint due to the forging of my name. I am reporting this again in the hopes that this will be resolved. I am also looking to contact the news and inform the public that this crisis with the mortgages in the United States appears to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX. My father XXXX XXXX passed away XXXX XXXX, 2015. In his last will and testament he appointed me ( XXXX XXXX, his son ) as the executor of the estate. He had XXXX accounts with Chase bank with the total amount of {$280.00}. I attempted to retrieve and close out the accounts as the executor of the estate by providing the bank with a copy of the will and a copy of the death certificate. However, I was told by bank officials that they could not disperse the funds unless I filed with probate. The cost of the application to file with probate is {$150.00}, not to mention, I would have to take a day off from work to fill out the paperwork and submit the application. Obviously, this would not make sense for me to do. What can I do to resolve this issue. In this particular case I would think due the amount of funds, there should be an exception to filing probate. By showing a copy of the will and a copy of the death certificate to Chase Bank officials should suffice to resolve the issue. Please provide any feedback that will help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK IS REFUSING TO ASSIST ME IN RESOLVING AN ISSUE WITH TEXT ALERTS. 
TEXT ALERTS ARE VERY IMPORTANT TO ME AS THEY KEEP ME UP TO DATE AND INFORMED ABOUT MY ACCOUNT. FURTHER, I WANT TEXT ALERTS SO THAT IF EVER THERE IS AN ISSUE WITH SUSPECTED FRAUD, AND IT IS NOT FRAUD, I WANT TO BE ABLE TO RESOLVE THAT QUICKLY, WITHOUT CALLING, SO I MAY CONTINUE TO USE MY CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: VT

Complaint narrative:
I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Forster, Garbus and Garbus
State: FL

Complaint narrative:
My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are asking the FTC to force J.P.Morgan Chase to Quiet title on our home or recind the loan. Our loan in XXXX originated with XXXX Mortgage to XXXX XXXX XXXX structured asset mortgage Investment XXXX. pass through certificate series XXXX XXXX XXXX. XXXX while servicing our loan, committed many FTC and Tila violation, such as those found in XXXX District Court XXXX, FTC XXXX XXXX XXXX XXXX civil XXXX. XXXX 's violations extend into how our loan was transfered or sold into the trust. We have ask for equitable relief from Chase only to be completly ignored. Our loan was discharged in a BK XXXX in XXXX. Neither XXXX Chase or XXXX Mortgage perfected the lien. In XXXX Chase through Mers and blank grantors, transfered it to XXXX XXXX, who is now tying to foreclose. Please help force J.P. Morgan Chase into complying with the relief granted by the court. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists XXXX accounts as a charge-offs, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report accounts correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to the present.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase account which I watch very careful and I cash all of my checks through this bank rather then any of my other bank accounts. I spoke with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX amongst other times. At these times I told them that I had a check with my landlord XXXX XXXX. Several times I was told that it would be documented on my account so that I would have time to put in $ XXXX cents or around that amounts. I woke up on the XX/XX/XXXX at XXXX and there is was a message on my app that I was charged a {$35.00} fee. I am a little concerned this transaction was done XXXX which I should have had the weekend to replace that money. When I called on Saturday and ask to speak to a supervisor I was told that nothing could be done. I would really like this situation addressed and I thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several credit cards through J P Morgan Chase. I have had to carry a balance on these cards because of emergencies and various other expenses. I have a perfect payment record for over ten years! I recently called this bank to ask for a lower interest rate ( now at XXXX % ) and this terrible institution refused after a half hour on the phone. Is this agency doing anything about this legalized loan sharking? Why are these criminal interest rates allowed to stand? Credit card reform is almost meaningless without attacking these high rates. Again, I have a perfect payment record for over a decade- no late fees, no missed payments. Please advise. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I OPENDED A XXXX XXXX FOR MY BUISNESS AROUND 2005. 
FRAUD WAS COMMITTED ON MY CARD A NUMBER OF TIMES. 
THE LAST FRAUDULANT CHARGE WAS MY BREAKING POINT SO I CLOSED MY ACCOUNT WITH THE UNDERSTANDING THAT THE CHARGES WERE TAKEN OFF. NOW I AM APPLYING FOR A LOAN WITH THE BANK AND XXXX CREDIT CARD HAD PUT THIS ON MY CREDIT SCORE REDUCING MY CREDIT SUBSTANSIALY. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan Chase is refusing to credit back {$49.00} in fees for {$21.00} in total charges. In total from XXXX XXXX, 2015 to XXXX XXXX, 2015 JP Morgan Chase and Companies Charged my {$150.00} in NSF Fees. Since XXXX of the transactions were for {$6.00} and another was for {$12.00} this would seem excessive to charge me {$68.00}. In addition they also charged a {$15.00} extended overdraft fee. This would be an interest rate of over $ 200 % for less than a week. JP Morgan Chase and Companies policies is that during a year they will only extend courtesy refunds to a certain amount - although they wo n't tell you what that amount is.

Company response to consumer: Closed with monetary relief