vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Credit card company seems to have taken additional time to process checks provided with no transaction fee and a low interest rate for a limited time in order to avoid honoring the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I applied for a Chase XXXX credit card online some time last XXXX or XXXX, XXXX i heard nothing from them. I called Chase around XXXX, 2016 to ask what became of my application. Using a social security number check, they found no credit card application. It was n't until I contacted XXXX that I learned that Chase had, in fact, put a hard hit on my credit report -- yet had forgotten about it. After hours of being led from the credit card department to customer service to Fraud, they finally called XXXX and confirmed what they had done. At this point, they explained that my application was no longer valid since 30 days had passed since they 'd allegedly sent me a letter asking for identity verification. No such letter ever arrived at the address they used ( that listed on my account ) since it was n't sent registered. I objected, saying they had no proof such a letter was sent. I wanted my application re-opened and they refused, but they would n't remove the hard hit. This thus paralyzed me financially ; I didn ' want to apply for a card elsewhere as it would mean a XXXX hard hit, something that would unfairly harm me credit wise through NO fault of my own. Chase clearly had shown multiple errors tracking my application ; how could it be sure it had ever sent me a letter. 

On XXXX XXXX, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated XXXX XXXX, 2016, says it 's a repeat of the letter allegedly sent to me in XXXX, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both XXXX XXXX and XXXX XXXX to discuss this letter ; after 75 minutes ( mostly on hold ), the agent XXXX XXXX XXXX XXXX indicated the " matter '' needed to be " discussed '' amongst various groups and that they 'd get back to me via my email ( I 'm overseas on business now but they wo n't call my international phone number ). 

Chase has held me hostage to their business practice, XXXX which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict, and up to now, they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many, many years, and they have access to my credit history in that respect, though they denied this fact when I suggested it ). In addition, I want XXXX points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request, which has cost me hours of time online, not to mention lack of this card at the time when I really needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around XXXX, on Monday, XXXX XXXX, 2015, I went to the Chase Bank Drive-Thru ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I had to make a deposit for a truck sale that I had made on XXXX/XXXX/15 of {$3700.00}. When I got to the ATM it was working just fine. So I deposited all XXXX XXXX {$100.00} XXXX bills into the ATM machine. It however, decided that it was going to crash and give me an error message that your deposit ca n't be accepted at this time, please try again later ( or something to that effect ) and gave me {$2500.00} back of the {$3700.00}. So it gave me back XXXX bills when it should have returned XXXX bills. I contacted the Chase Bank CSR and they opened a dispute but did not guarantee a result that I would like and said they would have to do a lengthy investigation and it could take up to XXXX weeks before I see the money, that is IF they even find an error. I know for a fact that I deposited XXXX bills at once ... So where the heck my other XXXX bills are since they only gave me back XXXX, I will never know. But this is absolutely INSANE and I want my money back. I am XXXX and we are already underpaid so this is MY money and I want it back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase bank on XXXX ( XXXX XXXX XXXX, XXXX ) on XXXX/XXXX/2015 and talked to the Branch Manager XXXX regarding converting checking/saving account into a trust account without closing the existing account because I have my direct deposits, auto pay all taken from this acct. He told me there should be no problems and come to the branch and the banker could assistance me with this. On XXXX/XXXX/2015, I went with my trust documents to setup the acct and was told by a rep that I had to close existing acct and had to reopen with new acct. I asked to talk to the manager who was not present there. I waited for 20 minutes and called Chase Customer Service regarding the policy and was told that I should be able to convert without closing the acct. The Customer Service rep requested to talk to the branch but the branch rep refused to talk to the Chase CS. Later the manager called the branch and requested to talk to me as I was on the phone with Customer Service. My husband explained to him about the situation and the manager denied my conversation regarding what he had told me on XXXX/XXXX/2015 and said if we are not satisfied with the service than go ahead and close the acct and take it to a different bank. I also have an account with XXXX XXXX XXXX and they were able to convert my checking/saving acct and put into a Trust acct without closing the existing acct. If both the banks are regulated by OCC and FDIC then why different policy. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had applied for a Chase XXXX Visa Platinum credit card online on XXXX/XXXX/XX/XX/2015. Due to lack of verifications reasons to further evaluate my application, their fraud department had mailed me a letter stating they needed some personal information sent in verifying my date of birth/current billing address. I provided exactly that by their fax ( copy of my drivers license and current XXXX utility bill ) to speed up the process given by XXXX of their representatives at this telephone number, XXXX XXXX. They confirmed receiving my items 72 hours after. Since then, I contacted them now over XXXX times to discuss and resolve this issue, but their requested contact, Supervisor XXXX XXXX has not returned my call since all the messages that were left by me still. In my last telephone call, I was told from XXXX of their representatives at this number that they had declined my application due to this same reason, but still received no letter. I am even more unhappy that their telephone representative gave me the final decision before they even contacted me. I am extremely concerned about my credit report showing any negativity against other potential creditors to review my account for this unsatisfactory reason. I work very hard to maintain a good credit rating and need find a resolution for this. It has now been on going for over a month now and no matter how proactive I am, they are not responding. I am open to any assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a fire at our home XX/XX/2017 when the insurance company processed checks for repairs they were made out to my wife and I and our lender Wells Fargo, We took them along with the XXXX estimate of repairs to our local Wells Fargo Branch to deposit them.We were told that we also needed a signed contract from our contractor so we obtained that and returned to the bank then were told that we needed to process other bank documents that were not provided to us were told we could n't get them online and yhey would have to be mailed to us by XXXX 5 days later we recieved them we filled them out went back to the bank and were told that the checks along with the documents would have to be mailed back to Ohio to be processed. The bank fedexed the documents and checks for processing three days later we returned to the bank as we were told that all the documents had n't been recieved ( they never contacted us to let us know ) the bank then faxed all the documents and were told they had been recieved and it would take at least 6 business days to process so the funds could be made available. It is now three weeks and we still do n't have access to the funds so that we can pay out contractor for repairs that need to be done so that we can get back in our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously submitted a complaint to the CFPB concerning Chase Bank 's refusal to accept a properly endorsed check. That was Case number : XXXX. 

Since then, it appears that Chase has chosen to retaliate by closing my accounts. They did so on XX/XX/2016 without warning, without notice, and without my consent. Meanwhile, Chase has refused to tell me why my accounts were closed, and they have refused to give my money to me. I was told on XX/XX/XXXX that I might be able to get my money back on XX/XX/2016. 
Obviously this is an unfair situation. To retaliate for the prior complaint, Chase has STOLEN my money. I am a single parent, and I need this money. It is the only money that I have. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was laid off XX/XX/XXXX. My mortgage at the time was through XXXX and I was on an excelerated payment schedule, I also made a monthly payment towards the premium. In XXXX XXXX, my mortgage was sold to Chase Bank, I was unable to make payment online AFTER scheduling autopay which was never deducted from my account, I fell behind by 2 month in XX/XX/XXXX and XX/XX/XXXX- I made a double payment in XX/XX/XXXX and scheduled an additional double payment for XX/XX/XXXX My XX/XX/XXXX payment came out of my account but the XXXX XXXX payment did not. XX/XX/XXXX, I requested a mortgage modification, I made the trial payments, sent in the paperwork ( I was not nor did this modification LOWER my payments- I just wanted my mortgage to be back on track ). In XXXX XXXX I received notice that my house was in foreclosure. I was told there was an issue with the signature date being different from the notary. I had to reapply for the modification, I started a NEW trial period. Made all my payments- received the paperwork to be notarized at the same time I received another foreclosure notice due to my trial payment 'failing '. I had completed all payments. XXXX XXXX I complete ANOTHER modification agreement and begin my trial period of payments. The 3rd month in- they refund my check stating I paid 'too early ' ( 9 days early ). I resent the payment - which is now 5 days late due to not being aware that although they took the money from my account- they were not applying it to my payment. I receive another final paperwork to be notarized, I send in all the paperwork. On XXXX XXXX, I receive a letter from Chase stating there was a signature missing and I have to AGAIN fill out the paperwork, have notarized, and mail back. On XXXX XXXX, it came to my attention that Chase had AGAIN filed foreclosure on my home. This is a SCAM. I have sent in what they have asked- there is no reason that after THREE times of this and their vague excuses of what is going on is infuriating! I owed XXXX on my home when Chase bought out my mortgage- now, due to 'fees ', etc- I owe XXXX. They have no interest in helping and I was told by the law firm representing Chase that I should 'file for bankruptcy '. The only debot I have is MY MORTGAGE- my credit card balances have never exceeded XXXX and I pay them off once a year- all of my other bills are current. This is insane and unfair to homeowners without a team of lawyers as Chase has. This is MY HOME- I did not have a problem the first 3 years with my other lender. I have jumped through hoops to do what they asked of me and I have nowhere else to go.

Company response to consumer: Closed with explanation