vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The escrow account does not add up. Chase Bank keeps raising or mortgage by hundreds of dollars every few months. They claim we have an escrow shortage after they have completed their analysis. They lied and said our home owners insurance went up from XXXX a year to XXXX a year. I called usaa and our mortgage has never hone up I called chase bank to cancel the escrow account and first they promised and then called to refuse. Our property taxes are only XXXX. A year. We pay XXXX a month for escrow plus additional amounts XXXX. XXXX to keep our mortgage payment down. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I took line of credit from washington mutual on XXXX/XXXX/2015 for the purchase of second home that was supposed to be investment property.I had given XXXX as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process asking for the new documents and proofs.I was sending on regular basis papers.I had case manager XXXX XXXX telephone XXXX ext XXXX. I was calling him every week to check on my case.In my desperation of not moving forward I paid some legal adviser and helper Colleagues in law to help me facilitate this loan modification.Legal adviser did not do anything for me but stole XXXX dollars from me.In a meantime Chase put me for foreclosure and not only that I did not get help to modify my primary residence loan but I almost lost my primary home.I had to file bankruptcy and pay XXXX more to stop foreclosure on my first and only residence.Chase always stated that I did not send the needed documents or some other issues blaming me and never admitted that the reason they did not modify my heloc was that they did not have any financial interest in it because my XXXX mortgage with XXXX is current and value of the property went up and equity building in my home, perfect for Chase to take my home and help themselves instead of helping resident of Florida attacked by mortgage crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted you on XXXX XXXX, 2012 about the money removed from my Chase Account. I have made many attempts to get my money returned. All of my attempts have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In reference to a previous case with cfpb XXXX this loan is not involved in a active litigation. Complaint and Request for Qualified Written Response ( QWR ) from J.P. Morgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX, XXXX, XXXX and XXXX I received a warning email from XXXX monitoring service set up thru XXXX. It notified me of credit inquiries to the credit reporting bureau 's. I pulled my annual credit reports and found XXXX inquiries had been made to XXXX and XXXX by Chase Credit. I could not pull my XXXX report since their database had problems. I then called Chase to question the request since I had not requested any credit or loan. They told me someone had requested an XXXX credit card using my info. The request had my name, a different address and different birth date. I asked them why they would request a credit report on me since the information did not match my profile. They could not or would not answer the question. I spoke with their fraud department and they told me to put a 90 day alert on my credit thru the credit reporting companies. After a second call a couple of days later, they said they would cancel the transaction. They also did n't have any record of a different address. I have since received emails and an XXXX credit card 10 days after the transaction should have been cancelled. If this was really fraud, why would the emails and card be mailed to me? After hearing of the problems XXXX XXXX is having I was very suspicious of this ordeal. Is this a result of someone trying to make their quota. I now have a credit card I did not request plus multiple credit inquiries on my credit report that could affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX is my new Foreclosure Auction Sale date. This is the 3rd one since XXXX and I 'd like it postponed. 
Why? I 've been in loan modification XXXX with Chase bank since XXXX of XXXX and have yet to receive an answer! 
Current on my payments until XXXX XXXX, I was advised by Chase that I had to be a minimum of 3 months behind to qualify for their loan modification program. At that time my loan was {$420000.00} and the value approximately {$80000.00}. 
For nearly FOUR years, Chase has repeatedly removed my COMPLETE file from Underwriting, requesting information they 've already been given multiple times, confirmed by my fax receipts. I have provided everything they 've asked for many many times and have resorted to sending documents ONLY from a CHASE bank so that they can no longer claim to have " '' not received '' them. They 've even claimed to have lost my file entirely and I 've had to start over ... once more. 

Now, today, another new contact person ( XXXX since XX/XX/XXXX ), requesting documents they already have, while keeping the XXXX XXXX foreclosure auction date in force. 

This is emotional blackmail. 

According to the Office of the Comptroller of the Currency, Chase bank is STILL out of compliance with their XXXX bailout/fines deal, continues to violate the Homeowners Bill of Rights and are Duel Tracking. Where is the accountability? 
Under NO circumstances ... 9 years after the market crash and 4 years AFTER XXXX deal with the gov't, does it take almost FOUR years to determine if a person qualifies for a Principle Reduction for a severely underwater loan which today has inched towards HALF of the loan amount in value! 
Please intercede on my behalf and stop this foreclosure and insist that Chase Bank comply with one of their options, a Principle Reduction for Severely Underwater Property, that they agreed to in exchange for their taxpayer Bailout. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My husband had a XXXX XXXX XXXX 3 years ago and can no longer work. We are a XXXX income household. My XXXX is the only income we have. We have requested a mortgage modification at least XXXX times from JP MORGAN, CHASE only to be denied each time for different reasons each time. We finally applied for a forbearance. After over a year of filling out paperwork over and over, they granted the forbearance. CHASE sent us a contract to sign telling us to make 4 monthly payments of XXXX starting in XXXX 2015. We sent the first XXXX payment on XXXX XXXX, 2015 through XXXX XXXX. We sent it early to make sure CHASE received it in time for it to be credited by XXXX XXXX, 2015. We called XXXX XXXX and CHASE informed us that they did not receive to payment. We called XXXX. They told us that CHASE did receive to money and gave us a check number that was received by CHASE. Called CHASE again, told they still did not receive money and no record of check number. Called XXXX again. XXXX verified CHASE did get money. On XXXX XXXX, 2015 received letter from CHASE stating that the XXXX had been RETURNED TO XXXX because it was not enough to bring the mortgage current. Called XXXX. They showed no record that CHASE had returned money. Called CHASE again. Cust. Serv Spec. told us that the money was returned because they did not show our mortgage as being under forbearance. CHASE told us to send money again as we were still liable under contract for the XXXX for XXXX. We DID SEND THE MONEY IN THE FIRST PLACE. So first they tell us that they do n't even show us being in forbearance, they in they same breath tell us that we are under contract for the XXXX and must send it again or they will CANCEL the forbearance! What?! We want to know how to sue JP MORGAN, CHASE for our home and emotional stress. I am terrified every day that this is going to cause my husband to have another XXXX XXXX or that we will get an eviction notice. How do we get in on or start a CLASS ACTION SUIT against CHASE? We have called Legal Aid and HOME here in VIRGINIA and they can not or WILL NOT help us. Please tell us where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.

Company response to consumer: Closed with explanation