vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Not only have JPMorgan Chase Bank , N.A . and its Agents failed to produce a live physcial note with a wet signature which secures the collateral tied to a " mortgage '' that has violated various regulations set forth in the Truth-In-Lending Act, JPMorgan Chase Bank , N.A . and its Agents, continue to abuse their customers in foreclosure after committing mortgage fraud by altering documents and attempting to exercise expropriation of private property unaffilated with said " mortgage ''. 

Statements set forth in Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act are not true and not correct. The Attorney representing JPMorgan Chase Bank, N.A fraudulently added an additional Tax no. ( XXXX ) to the Notice of Sale Pursuant to Judgement of Foreclosure dated XXXX XXXX, XXXX under Illinois Mortgage Foreclosure Act that altered the Judgement of Foreclosure and Order of Sale filed on XXXX XXXX, XXXX. The Motion to Stay Foreclosure Sale filed XXXX XXXX, XXXX is attached to the complaint. 

The additional Tax no. ( XXXX ) fraudulently included on the Notice of Sale Pursuant to Judgement of Foreclosure under Illinois Mortgage Foreclosure Act is owned by the taxpayers listed below. This fraudulent addition of Tax no. ( XXXX ) altered the Judgement of Foreclosure and order of Sale filed XXXX XXXX, XXXX entered by Judge XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. This is abuse by JPMorgan Chase Bank , N.A . and its Attorneys of the regulations set forth in the Illinois Mortgage Foreclosure Act to expropriate private property for private use without payment of compensation to the below taxpayers. 

Taxpayers of Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Taxes are paid by the Taxpayers of record as listed above for the Tax Year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase keeps charging me fees that are erroneous. l 've complained over 20 times to Chase about erroneous fees. In XX/XX/XXXX, I reported fees that are not explainable. They gave a partial refund. They explained the fees were for auditing purposes. However, Chase from XX/XX/XXXX to XX/XX/XXXX mismanaged my account and did not accurately report the balances of my account. I ordered Chase through the CFPB to make my account balance transparent and current. They then charged me an auditing fee. I complained. They refunded partial payment for the auditing payment but not the full fee. lf Chase is unable to do basic math and balance their accounting books, those costs must be incurred by Chase no matter how large or small. Although the fees are small they are repetitive and they add up and it takes time to get the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase does not allow customers to set up repeating payments in a specified dollar amount from a Chase checking or savings account to a Chase credit card account. The only option is the minimum payment due or the full balance due. This seems to be designed to prevent customers from paying down their credit card balance at their affordable pace without having to manually enter each scheduled payment thereby maintaining higher balances longer and making more interest income for Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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 have connected XXXX along with another savings provider to my Chase account for several years. But Chase is now not allowing the account to be linked so I can monitor my savings, budgeting, etc. I am a divorced parent with a child in college and the budgeting tools I am using help me to stay on top of my expenses and monitor my daughter 's educational costs. Please advise if it is legal for the bank to block me from using this site to help me manage my budget if I give authorization for these third party providers? Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have made XXXX payments via US Mail from a Post Office to a Post Office Box for my full statement balance for a Chase United Visa Credit Card. All other payments to XXXX, XXXX, XXXX, XXXX, XXXX Bank, etc. have been received and processed. For the second month in a row, Chase has not " received the payments '' and proceeds to charge interest and late fees. I think they are trying to force customers to using online payments by delaying the crediting of mailed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was laid off XX/XX/XXXX. We contacted our mortgage lender, JP Morgan Chase, and were granted a 12-month unemployment forbearance XX/XX/XXXX. XX/XX/XXXX ( two months later ), we called Chase to let them know I was working again and submitted our paperwork to re-start normal payments on our mortgage. XX/XX/XXXX, Chase contacted us and asked for a forbearance payment. We explained that I was working now and that our Customer Assistance Specialist had informed us that our unemployment forbearance had been canceled. Chase insisted that we make a payment anyway, which we did. Chase called again in XX/XX/XXXX and insisted on another forbearance payment. These funds ( over XXXX dollars ) went into an " Unapplied Funds '' account which did not count towards our mortgage payment, and that money was not returned to us. XX/XX/XXXX, Chase contacted us and told us that our account was marked delinquent since XX/XX/XXXX and asked what our intentions were. I told them the paperwork was in their hands and offered to make our normal mortgage payment right then so we would n't get further behind while waiting for them to process our paperwork. Their response was that they could NOT accept any payments on the account unless we first paid the entire past-due balance! This was ( at the time ) XXXX months of payments plus late fees, totaling almost XXXX dollars! I explained that I was newly-employed and did n't have XXXX extra dollars to give them, but would happily make a normal payment. Again, they said that any payment made would simply go into the " Unapplied Funds '' account and would not count towards our mortgage. Each month since then, they have contacted us or we have contacted them, with the same result ( except the past-due amount has increased ). XX/XX/XXXX, I finally received Chase 's determination. They said we were ineligible for any assistance and suggested we short sell the home we have lived in for 14 years. We told them that was an unacceptable option, as we have approx. {$40000.00} in equity. Although we filed a Dispute of their determination, they informed us in XX/XX/XXXX of their intent to foreclose. So, as it now stands, our mortgage holder, JP Morgan Chase, will not accept mortgage payments from us while, at the same time, they continue to list us as delinquent and are adding late fees and payments to our past-due balance each month, and are now starting the foreclosure process! We feel like Chase is trying to rob us of the equity in our home, as well as committing fraud by ( 1 ) listing us as delinquent while refusing to accept any payments from us and ( 2 ) requiring payments from us and then not applying them to our mortgage or returning the money to us. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was being fraudulently charged for a gym membership that I had cancelled over 1-year ago. Throughout this year of additional charges, I had called Chase 6 different times to explain that I needed them to block the fraudulent gym membership charges from going through on my credit card. Chase failed to block these charges. As a result, I reported this to the CFPB. When Chase found out I had reported them to the CFPB for failing to protect me as a consumer, they raised the interest rates on my credit cards as retaliation. I just got a notice this week saying my interest rates went up. Chase provided no legitimate reason for raising my interest rates ; the company did this solely to punish me for reporting their previous behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On or about XXXX XXXX, XXXX, I entered into a 30-year mortgage agreement with CHASE for my primary residence. In XXXX XXXX, my application for a mortgage modification agreement was accepted by CHASE, and I made three ( 3 ) subsequent trial mortgage payments to CHASE. After successfully completing the trial payment process, CHASE sent me a letter which stated that I was approved for a permanent mortgage modification. Chase also sent me the permanent mortgage modification agreement to review, sign and return to them. Upon review of said agreement, I discovered discrepancies contained within it as to the terms of repayment. I contacted CHASE and spoke with a representative and informed them of said discrepancies and the representative agreed that there were indeed discrepancies contained within stated agreement and advised me not to sign it. I contacted CHASE on numerous occasions via telephone and certified mail to request that a " corrected '' agreement be sent to me, so that I could sign it and begin repaying my mortgage. CHASE ignored my several requests for a " corrected '' agreement repeatedly over several months, and actually sent me a letter declaring that I did not qualify for stated mortgage modification, months after initially approving me for it and accepting my three ( 3 ) monthly trial payments. This matter has been an issue in my open Chapter XXXX bankruptcy case, in the U.S. Bankruptcy Court XXXX of Indiana. 
CHASE never addressed my request for a " corrected '' mortgage modification agreement, and sent me notification that they had transferred my mortgage to another mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2016 I received notification " Chase Card '' performed a hardpull of my credit report. I did not authorize this and I have no idea what its related to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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 have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an attorney. I represent homeowners in foreclosure. I normally advise my client to submit legitimate complaints here, and I think my client has in this matter, but this case is so gut wrenching and the consequences so dire, that I want to make sure it gets the full attention of the CFPB. Bottom line, my clients have lost their homestead property AND NEARLY {$300000.00} IN EQUITY because of a gross and well documented case of dual tracking. My client has very good and very detailed records of correspondence from JPMorgan who confirmed they had a completed application in. My client next confirms that while she knew a foreclosure sale was set, JPMorgan advised that it would be cancelled. My client confirmed with the attorney for JPMorgan that they were cancelling the sale. I personally spoke with the attorney for JPMorgan chase who confirms that they moved to cancel the sale. The problem is, the court refused to cancel the sale and now their home has been sold to a XXXX party at an auction. I am trying everything I can procedural to undo this sale, but our options are limited. This case illustrates a serious problem in lack of enforcement of CFPB protections. I urge you to read the Order issued by the judge in this case and I especially urge CFPB to pay particular attention to the well-documented facts that judges in circuit courts are refusing to recognize CFPB protections. This case represents very harsh consequences of this refusal and I implore you to intervene in this case and use this case for larger enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
paid my payment in XXXX for XXXX but paid before generating charged a late fee, called and complained late fee removed paid in XXXX apparently again before due date but will not remove late fee because already had XXXX removed, no one bothered to explain if pay before due date then it would generate a late fee, still confused.

Company response to consumer: Closed with explanation