vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I found out the XXXX hard inquiries on my credit. I need help to deal with these inquiries. I am concerned somebody theft my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My mother passed away in XXXX 2014. There was an unknown mortgage on the family house. Now the house in in foreclosure. Now I need someone with someone with some authority to help me out with the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase bank refused to sign and return the reaffirmation agreement to our attorney over a span of XXXX months from XX/XX/XXXX-XX/XX/XXXX in order to complete a bankruptcy filing. We repeatedly expressed our desire to keep the home, had been making our normal monthly payments directly to Chase, and called numerous times to remedy the problem. As recently as today, I attempted to call Chase to get a copy of the reaffirmation agreement, since it was never returned to my attorney, and they stated that they do not furnish that information to anyone. They suggested I contact my attorney again ( who never had luck getting the paperwork either ). This is preventing us from having our on time mortgage payments listed on our credit report and is holding up our attempts to refinance our home. We have paid on time every month since the bankruptcy discharge XX/XX/XXXX and our credit reports do not reflect this positive payment history as a result of Chase 's unwillingness to provide necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received an offer from Chase Bank for a Southwest Air Lines Rapid Rewards Credit Card. Offer included a bonus of XXXX points after spending {$1000.00} in charges in the first 3 months. I spend the required amount plus some in the first 2 months, then waited the required 1 or 2 statement cycles for my XXXX points to show up, when they did not appear I contacted Chase Bank. They told me I did not apply for a XXXX point card but one that gave XXXX points and that is was to late for them to do anything, had I contacted them 3 months ago when they first put in XXXX points they might have been able to do something and that it would be unfair to their other customers to fix their problem. I informed them I did not, would not waste my time applying for a card with only XXXX points. I told them this 4 times in 4 different secure communications. They have refused to do anything about this. I did not apply for anything but the card with XXXX points. I will accept nothing less than the XXXX points in the offer they made or the refunding of my credit card fee they charged. This bait and switch practice should be illegal and probably is, Chase needs to make this right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.

Company response to consumer: Closed
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to refinance my home mortgage with Chase Home Lending. My wife and I have excellent jobs as school teachers, our credit scores are both above XXXX, and our home appraised very well. 
Chase collected a " Good Faith '' application fee of {$500.00} and promised excellent service. 
As the process went on, it became apparent that Chase was holding up the processing of our mortgage because we had received a disaster assistance loan from the Small Business Administration for the recovery from Hurricane XXXX. 
I believe that the Chase underwriters acted in an illegal fashion in their failure to process this loan and that underwriting practices in this case constituted discrimination against us for taking the disaster assistance loan from the Small Business Administration. 
On XXXX, XXXX, 2016, XXXX XXXX of Chase Bank promised to refund my application fee, yet the firm has failed to do so. 
Please investigate the underwriting practices of Chase to see that this bank is not discriminating against survivors of disasters who are otherwise on excellent financial footing. Please instruct this firm to immediately refund the promised application fee. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
when XXXX took over my loan with chase, they charged me for taking over the loan, they have said they didnt, but here is the papers they sent me showing they had. i would attatch documentation showing such if website gave me the ability to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Credit Card record should have been deleted effective the end of XXXX, 2016 according to NYS law, statue of limitations, requires removal of record completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I filed for Chapter XXXX bankruptcy protection on XX/XX/XXXX. At that time, my property, financed with a mortgage and HELOC with Chase, was declared exempt and my Statement of Intent declared that the property would be retained and that I intend to " Continue to make monthly payments as they become due, '' which I have done fully and on time. However, Chase flagged both accounts as " in bankruptcy '' As a result I never received any notice that the interest rate lock on my HELOC would expire on XX/XX/XXXX, so I missed the " drop period '' for setting a new lock on the interest rate. Chase is claiming that since I missed the " drop period, '' I am not eligible to place a lock on my HELOC. When I escalated this issue to the Bankruptcy Escalation Department at Chase, I was read what was described as a standard disclosure notice that sounded to me like Chase has the option at any time to close my account and proceed with foreclosure on my property. I declared that I did not give my consent to proceed and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was the victim of a robbery. That robbery lead to identity theft. That identity theft lead to temporary loss of access to funds. That lead to the temporary ability to pay by bills in a timely fashion as I normally had. That lead to one ( 1 ) negative credit reporting occurrence from Chase. The payment wad made as soon as it was humanly possible to do so. The same incident involved another credit card company and they were understanding and sympathetic enough to remove the negative credit reporting they had done. They understood the situation. I can provide the letter if you wish. I can also sign up for automatic payments or pay the balance ahead if that makes it better for you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I discovered that an unauthorized ATM deduction transaction was made from my account. I reported it to the bank. The claim was denied next day. I called the claims department and the representative explained that the transaction was correct because my debit card has a chip technology and it can not be copied by theft. Can you please help me to return my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank sent us a letter dated XXXX/XXXX/2015 advising .. '' because we 're no longer ofering credit card accounts to businesses in your industry '' they decided to close our credit card account on XXXX/XXXX/2015. We are not certain why Chase Bank would discriminate against small XXXX business with excellent credit, pays bills on time and in full, we have been in business for 16 years and have a FICO rating over XXXX. All balances are paid off by us each month and on time. They should not be permitted to discriminate against us when we have not done anything wrong. Can you assist in enforcement action?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received an offer from Chase credit card to transfer a balance with zero interest for XXXX months. On XXXX XXXX, XXXX, I applied for a balance transfer to pay off my XXXX XXXX card. Balance transfer was not approved but they said I qualify for {$3500.00} credit line and that they will send me my new Chase credit card in the mail. After about two weeks I received the card but did not activate it since I did not need another credit card. 

Next thing I know, I received a XXXX XXXX statement in the mail on XXXX XXXX, XXXX stating that a balance transfer was made in the amount of {$3300.00} to XXXX XXXX. I called their customer service number and spoke with a " XXXX '' explaining that I did not like it and did not authorize the balance transfer. I said I do not want to be making extra payment on another card that I did not open. I asked " XXXX '' to reverse the transaction because I believe this will affect my credit report. 

Well, transaction was not reversed so I called again to complain and spoke with " XXXX ''. She said that " XXXX '' messed up by reversing a wrong transaction ( which was not my fault ) and it was already too late to reverse it after so many days. I told " XXXX '' that I should not be responsible for their mistake and feel that they should " eat their '' mistake and consider it as a gift. Trying to be fair, I said, I will pay them back the amount transferred minus transfer and late fees. " XXXX '' said that I have until XXXX XXXX, XXXX to pay it off, but after that date, there will be interest assessed. 

This is wrong, since after they did what they did, it adversely affected my credit score. I feel like I do n't owe them anything anymore after the damage they did to my credit. Remember, I never authorized the {$3300.00} balance transfer and never activated the credit card that was sent to me. Is this not a fraudulent act?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Upon logging in to my Chase online account I was presented with an advertisement that violates Section AA and the Federal Trade Commission Act by constituting an "unfair, deceptive, and abusive act or practice" (a.k.a UDAAP).  In addition, a nearly identical ad with the same UDAAP violation appears at this link XXXX Specifically, footnote XXXX of the advertisement states that "If...the checking...account is closed within six months after opening, the bonus you received for that account will be deducted at closing."  However, footnote XXXX in the ad only appears once with respect to the Savings account.  Therefore, someone only interested in opening a checking account would have no reason to read it, and might therefore unknowingly forfeit his/her bonus for the checking account upon closing it within six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank told me I owed over Five Hundred dollars from past accounts and if I wanted to open a new account, I must pay the past due amount. They then requested my current address information and sent me an email confirming the new address update. I told the representative that I filed bankruptcy and the old accounts were included. He replied that in order to open the new account I had to pay off balances from the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.

Company response to consumer: Closed with explanation