vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I responded to an internet ad for a Chase Slate card that was promoting 0 % interest for 15 months to people who wanted to make balance transfers of up to {$15000.00}. I wanted to consolidate my balances from XXXX other cards and, as requested on the application, submitted balance transfer amounts totaling {$12000.00}. The card was approved. About a week later, on XXXX XXXX, I received a letter from Chase saying that they had only approved {$900.00} and were going to transfer {$880.00} from XXXX of the cards. It said that I had until XXXX XXXX to cancel the transfer. I called them to cancel the transaction and they said they wanted to check my credit again to see if they could approve the whole amount. It came back as a denial because I had too many credit cards with balances. They said I would get a credit denial in the mail. I told them that I wanted to speak to a supervisor. The supervisor said they could n't cancel the card because the transfer was already being processed. After I complained a lot, citing the letter I had from them that said I had 4 more days to cancel, the supervisor finally said my card will be cancelled. She could not tell me why they promoted a card offering balance transfers and then used those balances against me, saying that I had too many credit cards. Now I have XXXX bad marks on my credit report because I was denied credit when they insisted on running it through again and because I cancelled their card. I was trying to be responsible by consolidating cards and paying off my debt. People should know that this is a scam. Something should be done about Chase promoting this and then ruining people 's credit rating by refusing to cancel the card and insisting on running it through again creating a credit denial. I 'm sure many people are trying to improve their credit rating by being responsible and consolidating debt and that is who this offer targets. I certainly was not trying for another credit card. I wanted to pay down my debt and this offer was offering me that opportunity at 0 % interest. In the end, they would have gained a good customer who was being responsible. They should n't have approved the card if they were n't going to honor the balance transfer amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have asked Chase bank to remove me from their mailing list 3x over the past 2 years ; yet they continue to send me promotional letters to open up new cards, checking and saving accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to XXXX XXXX and recieved little to no government assistance for some unknown reason, considering I was not dependant on my parents at all. This forced me to turn to private loans. Now, I have almost XXXX in private student loan debt. The monthly payments are {$1200.00} and I can not afford to live. Even after making this payments on the loans, my interest is 9 % ,8 %, 7 % interest so that the loans continue to get bigger. I own two businesses and would otherwise be doing well for myself. I have called, emailed, sent in letters to the private loan companies, only to have them raise my rates instead of lowering them. There is no end in sight, I would have to be making XXXX per year just to live a normal life. Where is the protection on these loans? Why ca n't I refinance them? 

The fact of the matter is this, this rock is too heavy to lift because it causes me to have a horrible credit score. Bad credit = no loans to buy a house or get money to start another businesses. It 's a vicious cycle and I have exhausted all of my options. I can not refinance them because no one will lend me a better rate because of my credit ( even though I make every payment on time ). 

Please help me do something, anything to get out of this debt trap I am in. It has caused me to tell everyone I know to forgo college until this fraudulent behaviour is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE Credit Card Slate is reporting missing payment and credit card default under my name, I was only and authorize user in the account so I can do some shopping for a friend due to he was disable, but I have never sign any agreement on me be responsible for this account, I have done a dispute with XXXX, XXXX and XXXX and they have not done any changes on my report, also I have sent letters and faxes to Chase directly and they have ignore my request. I have ask for a validation of the debt under FDCPA section 809 Validation Of Debt ( 15 USC 1692.g ) ( B ) and they have ignore my request, I been denied credit and opportunity due this reporting, I will like to please enforce this law now and also get a judgment of {$1000.00} for damages due to this, I have taking time of my life and pay for faxes and latter plus postage to fixe this problem and I still have not any response from Chase Slate Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is currently reporting a charge off credit card on my credit report that I paid off years ago. I have disputed this account with the credit bureaus and with Chase directly and it still has n't been removed. I will attached proof that I paid the collection agency for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a modification and after making three initial payments on time, the bank refused to accept additional payments without providing a reason. I seeked the advice of a legal counsel and after numerous attempts in saving my home, i have now been adviced that the modification was once again denied. I feel i have no recourse unless this agency assists me. I am desperately trying to save my home and dont know what else to do. Each time i tried negotiating with the bank, they have offered me no options other than foreclosure. I would appreciate your asssistance with this matter. I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Collector keeps calling me on a fraud account that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: CT

Complaint narrative:
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have applied for a 30-year fixed refinance on my variable mortgage loan to the bank who has been caring my existing loan for the past 9 years. My payments have never been late during this time. However, I was declined based on " delinquent accounts, '' and " many inquiries. '' In 2011, after the mortgage crash, I was forced to short-sale XXXX of my XXXX homes. And, these short-sales caused me a tremendous drop on my credit rating ( from XXXX to XXXX ) despite my credit history. 
My next question is the following : Why if I have been checking with banks for lowest mortgage rates, these inquiries have recently caused my credit points to drop from XXXX to XXXX when I had not done any credit application, have only looked for information on possible refinancing, and have paid off many of my accounts including my car loan? Why should the consumer be penalized when looking?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I opened a credit card in XXXX 2009 with Chase Bank in order to make a mortgage payment on my Chase Mortgage. I conducted the transaction at a Chase branch in XXXX, OK. Apparently, Chase classified that as a " cash withdrawal '' at the branch. Because of this categorization, since XXXX 2009 until present they have been charging me an interest charge on this transaction that has cost me approximately {$1200.00} in interest charges alone. I have never made a cash transaction with the credit card and Chase making such a distinction for their own benefit is outrageous!!!! 
Then they tell me the interest charges will continue until I pay the balance in full. I have the card closed and in a debt reduction program through Chase. It has been closed for over two years now, almost 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Applied online for XXXX card issued by Chase Bank USA, N. A. I received a letter saying they needed a government issued ID showing my physical address for proper identification. I sent a copy of my XXXX XXXX XXXX with my physical address on the front and also the back of the card showing it was a government issue card. It clearly stated government issue. I would have sent a copy of my drivers license but it had my P O box on it. I later received a letter saying my request for the card had been denied because the documentation I sent in was not sufficient. I told the rep I had a Chase card before and also had a credit rating of over XXXX. I told him just to forget it I did n't need his card and to cancel the request. He said he could n't cancel it and the application would still be open if I wished to try again later. I do n't want this on my credit record showing I was turned down for credit. I 've never been denied credit before.They can have the credit card I just do n't a blemish on my credit record. I want the application canceled and no record of me applying for the card.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: KY

Complaint narrative:
I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear ChaseYour letters have been received and all contradict each otherI need your assistance in sorting out the actual facts straying with letters from XX/XX/XXXX letters say no modification was in place Chase is now confirming modificationLetters state I did not reaffirm property in bankruptcy file that is untrueI had a bankruptcy attorney that was not contacted by Chase at no timeWho was the trustee XXXX bank or XXXX XXXX XXXX - XXXX XXXX XXXX whom notary XXXX XXXX worked XXXX Bank put Motion from relief of stay in. Bankruptcy XXXX trustee was hired by ChaseCan Chase have XXXX trustee working on the same loan and property? 
The number provided to validate notary XXXX XXXX documents is not a valid number XXXX XXXX letterRegarding title challenges I provided the necessary documents to WAMU in XX/XX/XXXX XXXX the original fax sheet to WAMU and document is available for lien on propertyAs of XX/XX/XXXX XXXX XXXX documents have errors and mistakes regarding foreclosure XX/XX/XXXX ( XXXX ) as well as NO Journal Entry XX/XX/XXXX Record FoundDo you have proof of publication for XX/XX/XXXX foreclosure? 
The Motion from Relief of stay documents do not show pictures of my home presented to bankruptcy judge - please explain? 
Chase I appreciate your time in putting accurate details in date order and excluding incorrect information in all previous letters

Company response to consumer: Closed with explanation