vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been harassed by chase bank since XX/XX/XXXX on a {$1000.00} debt that I do not owe! I tried to resolve their mistake in XX/XX/XXXX with suprv. XXXX # XXXX, who I finally gave her the last XXXX digits of my s.s. #, she apologized, & claimed I would not be bothered again.On XXXX/XXXX/15 I got another call on this same issue I explained they have the wrong XXXX XXXX, I have no debt ( home, cars are all paid for I have an XXXX fico score ), I am XXXX w/ a XXXX awaiting XXXX, & I do not need this stress from Chase bank, who claims they are calling on behalf of Best buy. Can someone help me to resolve this harassment/stress. thank you XXXX XXXX

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: NY

Complaint narrative:
I am on an account as the owner. I never owned this credit card account from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Listed price on the window $ XXXXThis is Range Rover 2014. 
Lease is for 48 monthsMonthly payments $ XXXXResidual value after 48 months on contract is {$38000.00}. 
24 months have gone byso question is if I pay {$1600.00} for 48 months is equal to {$81000.00}. 
Almost paying off the car. 
The lease deal is not at all right, Monthly should not be between $ XXXX based on my previous lease experience. On checking back with the dealer, I was told that I have already signed the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern I XXXX XXXX XXXX XXXX is very very upset, that chase has temporarily shut my debit card down and I ca n't access my own money to make payments I have automated payments that where already schedule to come out of my checking account but I have no funds because they froze it it 's been 2 days and chase is still thinking that I had stolen that personal check. That check was given by a friend that I consider my own family and I do n't seem was the issue with it it has already process and the balance is there already but they are not letting me use my debit card or bank account until they verify that the check was really given to me by XXXX XXXX this is very frustrating I never been treated like this like a thief and humiliated by chase. They stated that it 's their job and that they need time to verify that check. I do n't have time it 's obvious that if he gave me a check and I deposited thru the atm machine. This is a humiliation to me it 's the first time this happens to me and I feel anger and humiliated, rejected, I 'm thinking about closing my account because of this unprofessional matter, I am in debt and there will be fees assess by me not giving my payment on time, such as late fees and more. I do n't have to pay this late fees it 's chase fault for taking long and for thinking that I am a thief and that I stole that check

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX made a large payment to Chase {$95000.00} on my home mortgage loan. When I received the statement from Chase for my XX/XX/XXXX payment I immediately noticed that all of the figures were wrong. In the past when I made more than the minimum payment it was always applied to the principal. This time my payment was divided up into XXXX parts and not all of it was applied to my loan. I do not understand why the amount in excess of my required payment was not applied to the principal this time. I contacted Chase and they could not explain why it was not applied and why some of the money was put into an unapplied fund and why most of these figures are wrong. I went to a Chase bank in XXXX and they printed out the transaction history for me, but they could not explain why this money was handled so strangely. They did not know anything about an unapplied fund. In the transaction history the figures in the third row down from the top shows a payment on XX/XX/2016 of XXXX, however the figures in the rest of that row do not add up to that amount and I did not make that payment. Nobody at Chase has been able to explain why these figures do not add up as they should and why my payment was divided up into differenet payments. In the XXXX XXXX section of my XX/XX/XXXX statement show an unpaid balance of {$950.00} that is in error and an Unapplied Balance that is not suppose to exist. In the Past Payments Breakdown section the amount paid is wrong which causes the rest of the figures to be in error also. in the Explanation of Amount Due section the principal amount is in error as is most of the figures on this statement. I called Chase and called their attention to the errors and requested a corrected statement with the correct amount due on the principal. They admitted that the figures are all in error, but refused to issue a corrected statement. I need to know the correct amount owed on this account and how much I need to pay for my XX/XX/XXXX payment. Enclosed are copies of the Transaction History, XX/XX/XXXX Loan Statement, and XX/XX/XXXX Loan Statement.

Company response to consumer: Closed
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please review complaint number XXXX XXXX and this is a 2nd complaint on Chase Manhattan Bank. No phone call responses at all from them. 
I spoke to XXXX at CFPB on XX/XX/2015 to the response that Chase gave. It is all untrue as see it. 
Chase said they gave me this promissory note the day I opened the loan. False never did. This is not given to the consumer till the loan is paid off. 
They are not reading my first complaint very carefully. Dodging the real facts. The girl they stated did not make a mistake. False, she would not give me any papers. Said the keep everything. I did not agreed to that note for, XXXX, I never seen. 
Again, they did not read the first complaint paper I wrote. Again dodging the facts. 
If Chase does n't make mistakes that needs to be looked into. 
Then I asked for a calculation on how the loan amount is figured out. 
Again, they dodged by not explaining in a breakdown, because there is an error. 
Then to explain I never put something extra in the loan to increase it. 
Again they created something for they are avoiding the fact. 
Nothing they have wrote is matching m letter or even to provided an explanation to all the paper work that I have provided CFPB. That PROMISSARY NOTE was accidently given to me by Chase bank in XXXX, N.Y. when they called corporate and corporate accidently gave it to them. No one sees this till the loan is finish. That 's when I noticed an xas annually, not fixed. They are not following anything under their supposedly guide linesby giving me XXXX different rates, XXXX different amounts, and XXXX different pay off time. Al these papers I sent from are from Chase. 
They are dodging from the real mistake they did and truth. 
Everyone makes mistakes Chase, and the are changing all the wording around. And Facts. 
I do advise that no one should open a loan with Chase who has hidden all this from a consumer. I was taking for a ride. They have n't answered anything in regards to my complaint. MMMMMMMM? 
Asked that Consumer Finance do research this deeper. by reviewing my documentsand their response more carefully. 
Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My home mortgage has been with JP Morgan Chase since XX/XX/XXXX. In XX/XX/XXXX I started trying to modify my loan. Chase told me I needed to be behind in my payments & were willing to let me miss my XX/XX/XXXX payment. Again in XX/XX/XXXX they told me to skip a payment. They lowered my payment and told me they would tack on the missed payments to the end of my loan. For 6 months I paid the required payment on time or early, then in XX/XX/XXXX I got a 2 week notice that they had sold my mortgage to XXXX. This company claims I missed my XX/XX/XXXX & XX/XX/XXXX payments to them ( I 'd never heard of them in XX/XX/XXXX or XX/XX/XXXX ) and they demanded I pay XXXX, plus my XXXX payment before XX/XX/XXXX or they are going to foreclose. I have made several attempts to contact Chase, mail, e-mail, phone, they act like I never existed, I even tried to refinance with a local company to get away from XXXX as they have over XXXX complaints & several lawsuits against them, but since I now have 2 missed mortgage payments on my credit report I ca n't refinance either!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Transactions which I believe to be fraudulent have been posted to my XXXX business checking account for the past several months. Although my XXXX representative was able to stop payment on future charges they claim they can do nothing about the prior fraudulent charges. Those charges originate from a JP Morgan Chase bank account. They are on behalf of a company called XXXX My bank was able to provide a JP Morgan originating account number of XXXX for those charges. Although I have made several attempts to contact JP Morgan about these activities I am NOT able to get past their automated phone tree so that I can talk so someone about trying to stop future fraudulent transactions and recover the money from past transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank XXXX : XXXX I closed the account when I was having an issue transferring money to my account. The amount I transferred was {$410.00} the remaining balance which later I received a letter that I owed. Once I went into the branch and they looked over both accounts it was handled. I never owed Chase any money the previous amount removed and the bank teller did not close the account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a home mortgage with XXXX XXXX & got behind on payments. I was working with an XXXX XXXX & was told to send {$5000.00} & it would bring my account current. I sent the funds in the form of certified checks from my bank, XXXX XXXX XXXX, broke down into XXXX checks like I was instructed to & mailed where I was told. I sent XXXX overnight & have proof of delivery & copies of these checks. They were wrote out to XXXX but XXXX XXXX never received these funds & it was never credited to my account. Instead these checks show being deposited into " JP Morgan Chase Bank '' I have never had an account with Chase Bank. This was done XXXX 2014 & now this total with XXXX XXXX has accumulated to {$28000.00} due to getting further behind, lawyer fees, foreclosure fees, etc.. because we were trying to modify our payment & that did not happen when JP Morgan Chase Bank allowed whomever to deposit these checks into their account. I along with my bank ( XXXX XXXX XXXX ) have reached out to JP Morgan Chase Bank to return these funds, get information on who 's account these funds were deposited into and they have been very uncooperative. JP Morgan Chase Bank refuses to give me my money back & claim that the certified checks were XXXX party when they were not. The checks were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I filed a complaint against XXXX, they called me and told me that they had pulled my credit report an were collecting for Westlake Financial ( complaint number XXXX ), who I do n't have a contract with or have n't herd from in almost a year. You wrote me back and said the company was getting together paperwork and would respond in 60 days. Yesterday, I got a letter from them with a contract for another company, and they are still trying to collection. I am continuing my dispute with them. I am using this way to contact you because Ica n't log in and the phone number in your email does n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged overdraft fees for XXXX tranactions. Although, I had the available funds. There is a reduction balance for the XXXX transactions charges, but you do not see thats its deducted from the overall charge its show as pending status. If it showed the deduction and the overall balance amount, I wouldnt have aquired those fees once a check when through that had my balance over drawn. This is a constant issue that I have with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
RE : Case number : XXXX Regarding the above referenced case number, Chase responded with a letter dated XXXX XXXX, XXXX advising that they would not be refunding the {$150.00} balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. They state that there was no mention of interest charges during the call on XXXX. The fact is that I made calls to Chase on XXXX @ XXXX, XXXX @ XXXX XXXX and XXXX @ XXXX XXXX. Is n't it funny that they said they reviewed the call on XXXX, but there was no call on that date? Also, during the call on XXXX, the actual balance transfer was initiated, but not before I confirmed the terms of the offer again ( thus the reason for my argument ). After the balance transfer was completed and I received the letter dated XXXX, I immediately made my third call on XXXX as I said that the letter has different terms than the original offer letter and the subsequent calls I made to Chase to receive clarity of the terms of this offer. In summary, my argument remains as this - I agreed to pay the {$150.00} transfer fee under the assumption that the money would be interest-free through XXXX, as stated in the offer AND there would be no additional interest charges on my new purchases during that offer period, so long as I continued to pay off all new purchase charges each month during the grace period. As evidence of my calls to Chase, I have provided my phone records for these initial 3 phone calls. In the call on XXXX, I clearly stated that the letter I received offers contradictory information than that which was described in the original offer letter and then verbally, in the 2 phone calls made to Chase on XXXX and on XXXX, when the offer was accepted. The reasoning for asking for the {$150.00} refund is that I would NOT have taken advantage of the offer if I had known that interest would accrue on my purchases AND after taking advantage of the offer, I would have immediately retracted if I was properly advised that the interest was going to be charged. After contesting the issue for a few months, I immediately repaid the money to avoid additional finance charges. The fact remains the same, however, that I paid {$150.00} to have the {$7500.00} interest-free through XXXX and had to repay that amount prematurely. So again, I reiterate that I see this as a hook, line and sinker ... .A deceptive offer was made and I took it.

Company response to consumer: Closed with explanation