vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We have a Mortgage & Home Equity Line of Credit with JCMorgan Chase. 
The problem we are having is when we filed Bankruptcy Chapter XXXX, JPMorgan/Chase was notified we were continuing our payments for the Mortgage & Home Equity Loan. 
We recently applied for credit & was denied. So when I checked our credit reports I found that JCMorgan Chase had reported we filed Bankruptcy on our Home Equity Loan. Our last payment was in XXXX 2013, they wrote it off & we had a {$0.00} balance. 
This was an untrue statement so we went to our local branch in XXXX, IN to get this straightened out. 
The Chase employee contacted the mortgage dept, after trying to straighten this out, he told her it made no sense & wanted her to explain it to me. 
She explained that since we filed for Bankruptcy they wrote off all our accounts and could not do anything about this. 
I told her we did n't include our home equity loan, she said we did & would need to get an affirmation from our lawyer. 
There was nothing I could say to convince her that this was an error. 
I contacted all XXXX credit bureaus & notified them of the error, sent them copies of the papers I am including along with this letter. 
I talked to a customer service representative from one of the credit reporting agency & was told Chase claimed this was true & they could n't do anything about this. 
We went back to Chase in XXXX & talked to another person who looked up our account & showed us our account is in good standing, our current balance & the payments were always made on time, & could n't say why Chase would n't correct this. 
I talked to another dept from XXXX about getting the info on who it was that was reporting this inaccuracy & told me they have all the info they need to correct this but their hands are tied because Chase will not give them the OK to do it. 
I asked what else I can do to fix this & she gave me the number to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase advertised that all new customers who open a savings account and transfer in {$10000.00} will receive a {$150.00} bonus. I opened an account with them, transferred in {$50.00} from my XXXX XXXX XXXX account to verify it. Once this was ok I then transferred in the $ XXXX. When I tried to do this Chase told me my account had been closed, that I was blacklisted from ever being a Chase customer again and told on the phone that I was n't a desirable customer for them. I was told that there was nothing I could do, I could not get this reviewed or be told the reason for this. The only reason I can see for this is because I a new immigrant to this country, being from the XXXX and they have flagged me for a large transfer when I was just trying to access the deal they advertised. I believe that this advert should be removed if people ca n't actually transfer the money in without it being flagged as suspicious. I also feel there should be a review process and have to provide an explanation whatever the small print in their contact may say.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX XXXX I submitted all my documents to Chase for a loan Modification. 
In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make 2 payments. So in XXXX XXXX I did so but as soon as I did I was denied for my modification. In XXXX XXXX I was told by chase to stop making my payments to qualify for the modification but now they have no record of it. they told me in XXXX XXXX when I called back Chase to see what was going on I had n't heard back them that it would n't matter that if I did n't get the modification Chase was going to foreclose on me anyway. At is why I am over 4 years 7 months behind on my mortgage. I have been denied for bring my account current, XXXX XXXX I was denied for being 12 month behind on my mortgage and I was n't, them I was told then did n't have a program to work for me. Now after 4 1/2 years I 'm being told that I should have reaffirmed my debt before applying for a modification. I worked with XXXX XXXX XXXX XXXX in XXXX, I have worked with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have a number of other ones and just went back through XXXX XXXX XXXX XXXX again. How can all of these housing counseling companies HUD and Making Home Affordable and they tell me that I qualify for the Loan Modification for the last 4 1/2 years but Chase ca n't. I need to save my home. They have put a sale date on my home for XXXX/XXXX/XXXX and was only told XXXX XXXX/XXXX/XXXX This is wrong I have everything I can do to save my home but Chase just does n't want to work with me. Please can someone standup for me instead of the banks. I have turn to everyone for help and everyone stand up for Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I request to block merchant to charge from my account in XXXX 2015, My credit was closed in XXXX 2015. But merchant still can charge me from my closing account for past two month. Chase told me that I need keeping watching my account for future charge. My account was closed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Placed my credit card on monthly payment plan many years ago due to financial hard ship. Plan allowed one payment holiday per 12 month period if paid according to agreement, with proper notification to Chase bank. DUring the 5 years, I took XXXX payment holidays, with notification through the Chase on-line access. Chase has these notifications. After the last XXXX, Chase reported my account 30 days delinquent. I filed a complaint, and paid off the account. After review, they reported me late for 6 months, then 90 days late for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN ATTN : XXXX, ARE YOU TELLING ME THAT YOU WERE TRUSTEE TO MY MORTGAGE? XXXX? I DEMAND ANSWERS AND IN WRITING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wrong information on credit report, requested verification from card company no response as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
Was threatened in XX/XX/XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, 2015 at around XXXX XXXX I went to deposit money into my chase account. I had given the ATM the cash and it started verifying it then it said the ATM was unavailable. I then called customer service where they said i had to file a dispute. I then got transferred and file the dispute with someone else. The gentlemen on the phone said they would give me a credit to my account while they did the investigation, that the investigation would take 10 days and i would have an answer or my money back by XXXX XXXX. On Monday XXXX XXXX i got a notification on my phone about my account being overdrawn. I logged in to check what was going on and it showed the credit had been reversed. I immediately call customer service and ask whats going on they said the investigation had ended and they found nothing. I told the guy that it was n't fair they stole my money and now i have to pay them back, and now on top of everything they 're going to charge me overdraft fees because they stole my money and wont give it back? He then stated he 'd noted on my account not to charge overdraft fees since it was n't resolved. He said i have to request the ATM footage from the bank. I do n't know how chase works, but I 've worked at another bank and they check the ATM 's every week, I do n't know how this investigation took so long. I 've never had something like this happen to me at my previous bank. On XXXX XXXX XXXX i called the chase bank located on XXXX, i told the man who answered what was going on, i gave him my information ( Debit card that was used to make deposit at atm, date and time the issue occurred, how much the deposit was for and a call back number ) he said he would call me back by the end of business day. Never called me back. XXXX XXXX I called the customer service number for FDIC they said i should file this complaint. Now i called the bank one more time, today XXXX XXXX at XXXX XXXX, they gave me a number to call and request the footage from that number, it was just chase customer service, the person i then spoke to said i need to file a police report so the police can obtain the footage. I called the police and i now have to go in and file a report. When i summarized what was going on, the police officer i spoke to sounded surprised chase would n't give me the footage. I 've always heard great things from chase and that 's why i opened an account there, i was planning on taking my 401k there after the XXXX month. I 'm glad i did n't do it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently, when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So, after being advised they were still researching the issue I made the decision to go to the local branch and make another payment of {$1400.00} yesterday to bring my account current because the system was still showing me due for both XX/XX/XXXX and XX/XX/XXXX payments. I did this because of fear that I would have derogatory reporting to my credit report and now I am fearful that somehow you guys will show my XXXX 2016 payment as being 30 day late and if that occurs I will contact my attorney and file a lawsuit against Chase Home Loans. I originally made a payment on XXXX XXXX which covered my XXXX 2016 bill and I need written confirmation that this issue will not have a negative impact on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My mom got a vehicle under my name why I was away in college without my knowledge from some shady automobile seller. It was a XXXX XXXX with a loan amounting to almost XXXX. Fast forward the vehicle was stolen and was insured under the auto loan facility and was damaged by the convict. There were no notice of the insurance being cancelled because they kept increasing payments to my moms awareness. The vehicle is now in there custody and they keep requesting payments from me and the vehicle was not mine and I just found out it was under my name and is bringing down my score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: MN

Complaint narrative:
On XXXX XXXX 2015 my significant other passed away, he was a secondary card holder on my account as is my niece, I am the primary card holder. On XXXX XXXX 2015, Netspend who has my prepaid card sent me an email stating not to use my card until I call them and when I spoke to a CSR he said risk management closed my account due to a secondary card holder 's death. When I tried to explain that I was the primary, I was told that risk management closed it and it was n't reversible. I made a complaint with the XXXX and Netspend responded with " anytime there is a death with a primary or secondary card holder the account is closed '' per their terms yet I could not find anything about death of card holders except that the XXXX card holder is responsible for the XXXX card holder card use. The CSR told me they could order a new card and account number but they ca n't reopen my account. I asked to speak to risk management and was put on hold, the CSR came back on the line again to tell me that they could open me a new account etc. I tried to explain to him that my payroll checks and my significant others checks still go to that account ( I 'm entitled to payments from his various holdings as his beneficiary ) again I was told they could open a new account for me and because of this my checks from his accounts have been put on hold for verification. After I contacted XXXX and the company contacted them I received a phone call from a XXXX XXXX and he left a message stating he was in the office until XXXX CST I retuned his call at XXXX CST time and he was not in his office, then I emailed him and told him and the XXXX that I would be contacting you, he has not called or emailed since I first emailed and called him.I do n't feel that they should have closed my account and at best they should have contacted me so that I may explain why his name was n't remove from my account, but know they closed it then contacted me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.

Company response to consumer: Closed with explanation