vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, 2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Equifax, XXXX Dear Representative : On XXXX XXXX, 2016 I sent a certified letter via U.S. Postal Service, to XXXX, Equifax and XXXX regarding a debt which was claimed I owed to a company named XXXX at XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX XXXX XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX XXXX, 2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XXXX XXXX, 2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is to complain a business practice for the mortgage lender of JP Morgan Chase Bank at XXXX GA XXXX. The agents are XXXX (NMLS ID XXXX) and his managers.
On XX/XX/XXXX, I filed a mortgage loan application to the JP Morgan Chase Bank for purchasing a condominium at the Art of Foundry, a well-known large complex located in XXXX, with expected closing date of XX/XX/XXXX.  I got the loan approved by Chase with interest rate quote of 3.375% for 15 years at zero loan discount point.
On XX/XX/XXXX, I inquired XXXX again to make sure all the paper work is ready for closing. XXXX confirmed the final approval and quoted the same interest rate at 3.375% for 15 years but a slight discount point of XXXX. I also asked XXXX to watch the rate for me and inform me when the rate is low. However, I never heard from him afterwards. In the week of XX/XX/XXXX, I tried to contact him several times to lock the interest rate but did not get any responses from him. I was a little bit worried.
On XX/XX/XXXX, 7 days from the final closing date, I finally reached him through his supervisor. He called me back at XXXX, but suddenly told me that my loan was not approved by FNMA because of a HOA insurance policy. So he switched to a private portfolio loan with much higher interest rate and much higher discount points. He wanted to overcharge me extra XXXX discount points for the same loan at 3.375% rate. If at zero discount point, the rate will be sky-rocketed to 4.5%. I was stunned with the last-minute hack. I tried to negotiate with the Chase management for a lower rate or lower discount points, but they rejected it.  I feel I was hijacked. I don't know what to do. I don't have any good options, no time to find another lender, no time to work out the HOA issue, and no time to close the condo timely. 
My complaint is this. I gave Chase more than enough time (2 months) to process my loan. Chase is responsible for due diligence to make sure that everything is okay, and inform me early if anything wrong. Instead, even though I asked them, they failed to notify me.  Moreover, they are not willing to address the mistake they made. I believe this is a bad business practice. It hurts Chase's name and credibility. More importantly, I have to suffer a great loss because of it.
Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase gave me the wrong payoff on my home. I was told by Chase that my payoff included my original loan amount as well as my loan modification I had done a few years prior. I even have a letter signed from an officer at Chase stating that my payoff included XXXX. I sold my house and made {$13000.00} only to find out that I owed {$15000.00} after closing, which is the amount for modification. I had to return money and give an additional {$2500.00}. I would have not sold my home if I knew this. I was misled in believing that when I sold my home I would actually make a little money to help with my debt because the payoff was supposed to include the loan and modification. I am a recently divorced single mother of a toddler and an infant. This ordeal has cost my children their home. I have no home now and no money thanks to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase mistakenly pulled my credit 3 times during the application process. 
Chase duplicatively pulled my credit on XXXX XXXX, XXXX XXXX and XXXX XXXX. 
The rational they have explained is 1 ) they pulled a hard credit pull twice over two days due to lack of coordination 2 ) they then needed to pull again as they mistakenly thought our joint application was for a married couple, it is not. They have acknowledged these errors. I have notified them of my intent to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have discovered the enclosed Assignment of Mortgage executed and recorded/filed on XXXX XXXX, XXXX on this loan was robo-signed. 

No Assignment of Mortgage in this action exists that shows how and when the Federal Deposit Insurance Corporation ( FDIC ) became the Assignor/Old Lender on the subject loan and how it 's still acting on XXXX XXXX, XXXX as the receiver for Washington Mutual Bank, XXXX, which has been publicly out of business since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have XXXX x J.P. Morgan Chase bank accounts. 

J.P. Morgan Chase offers an 'alert service ' to their customers to reduce fraud, and in particular, to ensure that - should an account not have sufficient funds available - a customer is instantly 'alerted ' so as to be able to transfer or add funds to their account/s in time for a payment to be processed successfully. 

This 'alert ' service is widely advertised as a part of the benefits of being a Chase banking or credit card customer. 

Note that this alert service does require some 'setting up ', which I have done, and used successfully prior to this incident. 

From XXXX XXXX 2015, the Chase alert service stopped working completely on all my accounts and Chase credit cards, and I have incurred substantial fees as a result of not receiving notifications of insufficient funds that would otherwise allow me to transfer or add funds in time to avoid such fees. Prior to this, I have used this service ritually with few issues, but on XXXX XXXX/XXXX/15, it began to fail completely, and Chase began to charge me ISF fees as a result. 

Once I realised the issue, I contacted Chase Customer Service, and they insisted that their system was 'working fine ', and that I should set up alerts via 'Push ', Text and email just to be certain. I followed their advice and did so, ( receiving no less than XXXX emails confirming these changes to my alerts. However, despite setting up all alerts via all means, none of them worked at all. Meanwhile, Chase continued to charge me ISF fees, ignored my concerns raised, told me the alerts were just a 'free service ' to me, and were unwilling to assist any further. 

After several calls, emails and texts about the issue to my Chase account manager - XXXX XXXX - he finally requested I come in to demonstrate the issue to him on XXXX/XXXX/15. While in his presence, he checked my alert settings, and then had me perform XXXX x transactions. The Chase alert system failed completely for both, so he agreed it was an issue and pledged to report it to 'National ' customer service for a full refund of the fees. 

To date, none of the fees have been refunded to the account that was used for demonstrating the issue, and as a result, my account/s remain in negative balance. Chase calls and writes constantly to add funds so as to bring my account/s back into credit, but I refuse to do so, as adding funds would serve only to pay Chase their ISF fees, and I am certain any request for refund would be denied. 

I do not work as hard as I do just to pay bank fees, especially when a failure on the banks part is the cause of such fees being incurred.

Company response to consumer: Closed with monetary relief