vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I just days ago got from XXXX a credit report dated XXXX see attached ) XXXX XXXX, 2015 and if you look at the loan for ChaseXXXX # XXXX account under XXXX report page XXXX, you will see that what Chase has wrongfully given them AGAIN bad information showing that I have not made a payment since XXXX and compare it with those idiots ( Chase XXXX OWN statement full of bad information it does n't match THEIR OWN STATEMENTS. Why is this being allowed to happen. Is there no one listening to me????? I am being not only financially XXXX!!!! but also slandered/deformation of character etc ... by this financial psychopath that calls itself JP Morgan Chase!!! All three of my credit reports are wrong not only do they not match this idiots own records but Chases records are wrong!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Background : In 2012 I received XXXX, from Chase, in the amounts of {$2900.00} and {$4600.00}. I claimed the amounts on my taxes as income. The XXXX says the " lender has discharged ( cancelled or forgiven ) a debt you owed ''. Chase continues to report the account : * as having a balance of {$5900.00} and {$3900.00} Problems : 1. The balances are inconsistent with the amounts on the XXXX 2. It is painting a picture that the debt is still owed. I have paid taxes on it and Chase has claimed it as a write off for tax benefits. 
3. As a result, I have had to pay increased interest charges. 
4. I have been turned down for credit as a result of this reporting. 
If I received a tax form indicating that the amount was " cancelled '', I paid taxes on the amount, and Chase received a write off for it, it is unfair that it is not reporting a {$0.00} balance. If I paid off the account, then I would be paying more than what was owed because I paid the amount, plus the income taxes on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I purchased a loan with west lake fiancial in XXXX 2016, because I wanted to build my credit to which was nonexistent. Everything is going well until I was informed that I was not getting credit for payment XXXX XXXX2016 XXXX. I was told to provide proof of license and social security card ( which I did that month ). Several months later and many calls to my the credit bureaus to resolve my trouble which was minor and I was told to wait till the next month to get an update.by West Lake Financial. If my credit was bad from the start why was I not told to provide info before..? They ca n't file because of some discrepancy issues. Credit agency told me nothing should hold them back file my payments in the system. I need financing help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I went to 4 different Chase bank locations and none of them have the XXXX logos posted on their ATM machines and no network logos were presented on screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had open an bank account with chase, I thought it was really neat to take a picture with your phone to deposit you check its was convent for me. That way I do n't have to wait in line to deposit the check, anyways check went though and I received my money no problem 2 week later I had got XXXX a notification on my phone say that I owe the money and that I needed to pay it back I call and complaint about it and they said that its my fault that some other back had cash the check in there account which i do not have an other account with anyone. So as of right now, my back is over draft and I 'm not paying it for something I did n't do. so now Im using a pre paid debt card that I have to pay to put money to pay my bills ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX advertises that if you apply for their credit card you will " earn '' XXXX free stay nights. You must meet certain conditions. I met their conditions, but they did not notify me that I was now eligible for my XXXX free night stay. Instead, I contacted them to find out about how to use my nights and they said " they have expired. '' It was not something that was free - I had to earn it - yet they did not properly give me the opportunity to use what I had earned. This is fraud. Gift cards can not expire in California, why are they allowed to let my earned award expire?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A couple of years ago XXXX called me about getting discovered and getting famous. I was excited and my dad set up an appointment with them. It seemed so real but it was a major scam. They asked for over XXXX dollars for a photo shoot. I did not get my photos and I still have all the contracts and receipts of all the transactions. I want my money back basically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied to refi an existing loan in early XXXX. I submitted all the forms and paperwork promptly. Since then the bank is apparently losing my paperwork because they have asked me for the same documentation three times. I have left messages and sent emails and received no response and had to escalate to the mortgage banker 's boss who simply referred me back to the original person who was not getting back to me. A few weeks ago my file was referred to a processor who said my file was not exactly in order and he would help me move this forward. He gave me a list of documentation the bank needed. I went over the list with him and referred him to the emails and dates I had supplied the documentation to my previous contact. He asked me to sign the same IRS form I had previously signed which had been filled out by his company incorrectly. I offered to send more documentation and he said no, we needed to wait for the transcripts from the IRS. Today, I received an email from him asking for yet more information, most of it already supplied. A key point in this situation is that I am a current customer of this lender, I am refinancing less than XXXX the appraised value of the house, my annual income is equal to the value of the house, I have virtually no debt and a XXXX score of XXXX. This refi should be simple but it has been nothing but a series of frustrations since early XXXX. We are now into 90 days and I am concerned my locked in rate will be gone. It appears that I am lost in the shuffle of paper throughout a huge bureaucracy that has very little concern for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
ON XXXX XXXX 2016 I STARTED A REFINANCE APP WITH MY MORTGAGE CO. CHASE I HAVE BEEN STRUNG ALONG WAS APPROVED AND INTO CLOSING STILL NOTHING I WAS TAKEN OFF THIER WEBSITE NO RESPONSE FROM ANYONE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J.P.Morgan Chase bank, in XXXX XXXX, California, has repeatedly denied me access to my funds deposited in my XXXX XXXX XXXX from Social Security SSI. I have not been able to pay my rent, etc. I am XXXX, elderly and XXXX, having recently left the hospital. I no longer drive, so a trip to the bank is a big deal for me. To be in line, then being served, asking for a cash advance, and having " denied '' announced in front of everyone is extremely embarrassing. This has happened repeatedly. The teller told me, the last time, that the problem will not be fixed until XX/XX/XXXX, she did n't know a date. I do n't know which bank to go to, where I can make a smooth, uncomplicated transaction. I had over {$1500.00} on my card, not being able to get funds last month either. The second problem is that XXXX XXXX XXXX XXXX no longer allows a card holder to speak to a representative, to tell them about a problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We signed up for a Southwest Airlines Rapid Rewards credit card through Chase Bank with the promise of XXXX Rapid Rewards points if we charged {$3000.00} on the card within the first few months. We did so, but only saw a little over {$10000.00} Rapid Rewards points added to our statement. When we finally reached out to Chase Bank, we were told that our inquiry was too late. We only had 3 months to request the additional XXXX miles and that time had passed. ( There was nothing in the agreement we received or signed up for stating that we had to call and request the points within 90 days or XXXX of them would be forfeit. Everything indicated that using the credit card would automatically add the points to our Rapid Rewards account ). 
I spent over 30 minutes on the phone with Chase -- my last conversation with a supervisor by the name of XXXX XXXX in XXXX XXXX ( he would not provide any additional identifier for himself ). We think that Chase should honor their agreement of providing a total of XXXX Rapid Rewards points for the use of this credit card, and should be admonished and fined for these " bait and switch '' tactics of promising one thing and then changing the terms of the agreement. 
Their advertisement of this deal can found using this link ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Fraud was committed to my account months ago through my card with Capital One, charges being made to XXXX XXXX. THe company requested information which I have provided to them to insure that it is me. I wanted to of course, get the card reinstated. The wo n't accept the information which is clearly correct. They claim it is a copy of a copy and they wo n't accept it. I 've had enough of the harassing and phone calls and if they ca n't accept the only things that I can provide which are indeed the right things, then I asked them to please cancel my card so that my risk of exposure for a card I ca n't even use that could cause a credit problem or more identity problems. They are refusing to close out my account or reactivate it even though I 've provided legitimate documents proving that it is me. I 'm asking for help to get this account closed and lessen my exposure top more fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My loan is being serviced by XXXX XXXX who did an escrow analysis and I have a shortage in my escrow account. XX/XX/XXXX when my loan was being serviced by Chase, Chase paid the wrong tax bill and admitted in a phone call that was the case and that they would investigate -- Its been over a month and I have not heard back. So, in XX/XX/XXXX XXXX paid two years of taxes causing a shortage in my escrow account. I filed a previous complaint against XXXX, but XXXX is claiming no liability and pointing the finger at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.

Company response to consumer: Closed with explanation