vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have been attempting to get a modification on my home loan since XX/XX/XXXX. I have been given the run around by Chase for the entirety of this process. I have been asked to send entire application packets no less than XXXX times in the process of this modification. I have had several different representatives when in the application process. Now that we are to the final modification documentation, Chase is attempting to collect additional funds that would not have been incurred had they completed their part of the modification process in a timely matter. In addition to the balance of the home, Chase is asking for {$14000.00} in interest, along with other fees, and resetting my loan for a total of {$97000.00}. In addition to the {$14000.00} in interest they are asking for, the funds from my trial modification, {$2100.00}, have not been calculated into the final modification documents. I am also being asked to pay an additional {$330.00} in closing fees for a modification. During this process, Chase has also failed to take the true value of my home into consideration. According to XXXX XXXX, MO tax records, my home is valued at {$85000.00} as of XX/XX/XXXX. I have made many attempts in contacting Chase in regards to these issues, but have only been responded to with " YOUR ESCALATION REQUEST HAS BEEN ANSWERED AND IT HAS BEEN CONFIRMED THAT ALL INFORMATION WAS TRUE AND CORRECT THAT WAS CONTAINED IN THE FINAL MODIFICATION DOCUMENTS. '' I do not feel that they are willing to make a modification that benefits the customer, rather a modification that benefits Chase. 


I do not feel that I should have to pay {$14000.00} in interest, since it is Chase that has dragged their feet in this process. No interest should be charged on top of an interest-bearing loan. 

I should not have to pay closing fees ( {$330.00} ) on a modification of an existing loan. 

The funds that I paid during the trial modification, {$2100.00}. should be applied to the final modification documentation. 

I also feel like Chase needs to include a 3 year home warranty ( the length of time it took for Chase to modify this loan ) if they are choosing to create a new loan instead of modifying an existing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a new account but had an account with husband teller knew and i gave her XXXX coupon for opening bank she said I can use now everyone is having a problem giving it to me now.It was promised to me and I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I signed up for the British Airways Visa credit card from Chase Bank under a XXXX British XXXX points sign up promotion. Here are the details of the promotion : XXXX XXXX after spending {$2000.00} in the first 3 months XXXX XXXX after spending {$10000.00} in the first year XXXX XXXX after spending an additional {$10000.00} XXXX : XXXX XXXX after spending {$20000.00} in the first year I spent over $ 20XXXX on the credit card within the first 3 months of opening the card. I was only given XXXX XXXX instead of XXXX XXXX as the promotion stated. I called Chase and they claim that I signed up for the card under a different sign up channel that was only XXXX XXXX and the first year annual fee waived. This is incorrect - I signed up under the correct channel under the XXXX XXXX promotion. Chase can not provide any proof that I signed up under the wrong channel and I also informed that at the time of sign up the XXXX XXXX promotion was a current and public sign up offer and the ONLY offer at the time. Therefore, even if I wanted to sign up for the XXXX offer that Chase is claiming that I signed up for which was during the months of XX/XX/XXXX 2015 I could not. I spent over $ 20k on the Chase card based on the public promotion that was also the only sign up option at the time of sign up. 
In addition, if you XXXX XXXX British Airways Chase promotion - there are multiple websites stating this public promotion. 
When I requested Chase to provide proof that I signed up under the wrong channel they could not provide it. 
I also closed the account based on the false information that they provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I visited a Chase ATM and asked to withdrawal {$300.00}. The ATM was unable to dispense cash and issued a receipt stating transaction denied. However I noticed that it appeared on my online banking as a withdrawal. I immediately called chase and reported it. I was told within 12 hours it would appear back in my account. 2 days later it was still not in my account so I called again and then was told in 24 hours. However a few days later the credit was still not in my account. I called again and was told 1-2 business days. I again called on XX/XX/XXXX two weeks after the ATM dispute and now I am being told that there is no timeframe to return the funds to me. All they tell me is that there is a system glitch and they are unable to help. I find it ridiculous that it is taking this long. In the meantime I have no money in my account to pay bills or other necessary things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Despite having enrolled in the do not solicit list, I received an offer for a Chase Sapphire card. After several attempts in discussing the issue, we finally got assurance that no further offers would be sent after elapse of an approximate time period. However, we have received another offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
COMPLAINT : 1. I DO NOT UNDERSTAND WHAT CHASE BANK IS NOW DOING WITH MY CREDIT CARD A : WHAT LAW ALLOWS CHASE TO INCREASE MY CREDIT CARD RATE TO 25.24 %. THIS IS ABUSIVE AND USURY. 
B ; HOW CAN CHASE AND ALL BANKS GET MONEY FROM WE THE PEOPLE AT 1 % OR LESS AND THEN CHARGE OVER XXXX XXXX IN XXXX, XXXX XXXX IN XXXX XXXX 25.24 %. THIS IS USURY. MY RATE SHOULD BE XXXX OR LOWER AS MY OTHER CARDS C : AS YOU KNOW, THE SECRET TO USING ANY BANKS MONEY IS NOT TO HAVE A BALANCE. FOR OVER 2 YEARS, I HAVE HAD NO BALANCE AND CHASE IS GETTING NOTHING FOR ME. 
D ; MY CONCERN IS THE MILLIONS OF ELDERLY IN XXXX XXXX COUNTY WHO ARE BEING ABUSED BY THE BANKING SYSTEM. 
PLEASE ADVISE MY RIGHTS? 
CHASE IS TELLING ME. 
XXXX XXXX, YOU HAVE NO CONSUMER BILL OF RIGHTS. 
NO ONE CAN REGULATE XXXX AND WE CAN CHARGE WHATEVER WE WANT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The property was foreclosed on XXXX/XXXX/XXXX. The bank has not paid any dues since then and now {$900.00} is owed till XXXX/XXXX/XXXX. The exterior of the house is not being maintained, the interior is unknown. Shrubs are growing up around it and siding is coming loose. Becoming an eye sore for the neighbors and community.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First, chase closed the chase XXXX card by mistake. On XX/XX/XXXX, I found my account was closed suddenly and several days later, I received a letter from chase said the account was closed upon my own request. But I did ask anything at all. I never called chase hyatt card and neither I sent a message to close my account. So I called chase and they admit it was their mistake and they reopened the card for me without any apologize. 

When I thought everything will be fine after that, I found my account was charged by an interest fee. Then I found the fee was because my last statement was not paid in full. How come? I clearly remembered I set up the auto pay with full statement amount, I had few chase credit cards and I ALWAYS pay full amount, I never miss one payment and I pay every single statement with full balance. So I personally think chase restored the setting when they re-opened my account. I have talked with the customer representative but they said the system wont able to do that. I agreed with him before, but thinking about the mistake happened to my account before, I really feel like the system was not secure. 

Just now, I was talking with XXXX customer representative. First one named XXXX, who is very polite and willing to solve my problem. But after he transfer me to the supervisor, whos name is XXXX XXXX according to him, everything changed. He is the rudest, slowest the customer representative I have ever met, he is not responsive at all, he always make me feel like he is not with the phone and he is not trying to solve the problem at all. Please pull out my phone call at XX/XX/XXXX, XXXX center time. 

Overall, there are mistakes by chase, and chase representative is not willing to fix the mistakes and the customer service XXXX XXXX is not professional at all. Though i love chase bank a lot, the customer service really changed everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
In 2010 I received a check from an attorney in XXXX from my brothers ' estate for {$30000.00}. He left each of his siblings this to take care of ourselves. My favorite store in XXXX was only XXXX blocks away from me and Chase bank was conveintly in the store. I opened an account with them, within a week I had {$2000.00} stolen by a young female employee. I was on a trip with my family when I realized what had happened. When we were dropping my grandson off in XXXX Chase bank told me I had no money in my checking account. I had {$8000.00} in my checking account when I left XXXX. When I returned to XXXX I looked at my statement that had arrived while I was gone and there were XXXX deposits of {$20.00} each put in my account that was done by an unknown person. I called Chase bank security and was told to hurry to the bank and talk to the manager there. I did and he was totally unconcerned and that made me suspicious. I have been trying to get help to get my money back, I have medical needs and no money to take care of them. I estimated that the bank has stolen about {$10000.00} from me in my checking and savings accounts. I was also told by other people that this happened to them at the very same bank. No one in their bank security dept has listened to me.. This is Chase bank on XXXX. My documents are in storage in XXXX. and when I go to retrieve them, I plan on suing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Well Chase has decided not to do business with me.I found this out at XXXX Saturday XXXX XXXX after a one week delay in handling a claim I filed on XXXX XXXX. To this day I have yet to receive any correspondence from Chase. All correspondence has been done by me with no information or cooperation from Chase. I have been denied access to my money and account for over a week with no reason given.When I call I am transfered to a call center XXXX. No answers or help there, still no access to my money.Close the account no time period giiven I was shocked, told them I have direct deposits coming in, was told I would have access to my account for 10 days. Never happened next day account restricted, I had a direct deposit go into account, no access allowed, at first told I will receive money in a day or XXXX. My response unacceptable you ca n't do that with my money. Request to speak to someone else, switched back to XXXX which they tell me there is no sign of a direct deposit. So not a email not a phone call or a letter from Chase to this day.And still no access to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with, unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time, I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform, however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well, I will make sure that 'Too Big to Fail '' JPMorgan Chase has its day of reckoning and hope to one day see the CEO XXXX XXXX doing the 'perp walk '. It is about time. There are many politicians out there in this competitive election year who would definitely like to put a face to the mortgage mess created by dishonest institutions like JPMorgan Chase while taking government bailout. Thanks again to CFPB but dishonest institutions like JPMorgan Chase feel secure in knowledge that they can fool you and everyone with useless extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed down by business account and reduced my credit line almost to zero a few years ago. The notice was fairly short and had no explanation on why they wanted to end our relationship. The branch manager at the time told me he could n't find out why I was closed. My business was doing fairly well at the time and the abrupt closure cost me a few XXXX for changing banks. I recently tried to apply to a Chase XXXX Rewards Card and the credit analyst told me he could n't proceed because I have a " Negative/derogatory previous relationship with Chase ''. While surfing the internet, I read that this is a type of blacklisting that occurs in Chase. Not sure why my business relationship has anything to do with my personal credit card relationships. I also have a mortgage with Chase that 's in good standing for over 11 years. I would like to be removed from this black list as this does n't seem like a legitimate business tactic. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank, USA, NA sold my credit card account to XXXX XXXX XXXX without notifying me. I did not agree with all charges and different products billed to my account. XXXX sued me using a bad process server and my wages have been garnished for 4 years. I recently learned of the Consent Order that Chase entered into with CFPB and would like to know if my Chase account qualifies under that Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 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: NC

Complaint narrative:
In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.

Company response to consumer: Closed with non-monetary relief