vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Violation of the Truth in Lending Act/Regulation Z ( payment posting, use of suspense account, payoff statement, trustee payments XXXX Payments were made by myself and the trustee ( under a chapter XXXX filing XXXX the mortgage holder placed the trustee payments in a suspense account and did not apply them to the mortgage. In addition, when I asked for a payoff they provided a payoff which implies that the loan was due for XXXX 2015, however they received the XXXX 2015 payment, and I have a XXXX year bank history showing all payments were made, when I questioned them about were they were getting this information that the loan was due for XXXX they simply said I made a short payment ( which I did not do ) and until I paid an additional XXXX ( to make the suspended amount a full payment they would not credit the money to the account ). The money in the suspense account was not a short payment by me but instead payments from the trustee. The trustee filed a notice of plan completion and a notice of final cure ( for any default on the mortgage XXXX The bank responded through the court that they had no objection and that the account was due for XXXX 2015. Chase is not crediting the money received by the trustee to the account, there is conflicting information given to me verses the information given to the trustee. When I asked for a payment history they advise they have XXXX days to provide it to my attorney, they will not give me any documents/specific information regarding my loan. When I attempted to re-finance the loan, Chase took XXXX days to provide a payoff, and when asked for a payment history, advises they will respond within 30 days. These timeframes are unacceptable, and now I may loose my financing as the interest rate lock expired and I 've had to extend it and it expires XX/XX/XXXX2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
On XXXX/XXXX/12 my account ending in XXXX was closed due to fraudulent transactions due to errors made by Chase. Chase allowed someone to deposit a fraudulent check in my account and immediately take the funds out of my account. The fraudulent check amount was {$3200.00}. Upon this discovery, I was told file a police report and return it to the branch. I did this, and the branch manager at the time told me everything was ok, and my account was closed with a balance of {$0.00}. This was fine, but years later I find out after trying to open an account with another bank, that I could n't because Chase has reported on my XXXX consumer report that I failed to maintain my account XXXX. In fact, Chase has on my consumer report that the account was closed due to insufficient funds totaling in the amount of {$3200.00}. Not only is Chase violating consumer reporting laws, but they are also asking me to pay a {$1000.00} settlement to remove this error off my consumer report. I provided Chase with the police report # XXXX precinct XXXX but they are still refusing to remove this derogatory marks off my consumer report. The branch manager assured me my account was closed in good standing with a {$0.00}, and to add insult to injury they even told me I could open another account with Chase. Why would they do that if they claim I owe money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I went through a modification for my mortgage with Chase. I was probably XXXX behind in mortgage payments. They put me on a trial plan and then approved my modification. I was rushed into signing and returning the docs to Chase. We were also fearful of losing our home to foreclosure. I only owed 23 years on my existing mortgage. They raised my payment by $ XXXX monthly and increased the term of my loan to 40 YEARS. I feel that they have defrauded me and I am now running behind again and facing the risk of losing my home to foreclosure. They have just taken advantage of us during a difficult time.

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: CA

Complaint narrative:
I opened a checking account with chase esponding to an ad that if you deposit a direct deposit into your account they would give you a XXXX dollars bonus. They closed my account after the direct dposit hit giving them a chance to securitize the deposit. Then they denied me my bonus after I met their requirement. I can understand their stipulation of taking the bonus back if I closed the account but not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I found an unauthorized charge on my Chase credit card. I contacted the vendor to find out the reason for the charge, but I did not have a reply for over a month. Therefore, I disputed the charge on my Chase Credit Card on XX/XX/XXXX in the amount of {$33.00}. Chase issued a temporary credit for the charge. On XX/XX/XXXX, the vendor sent email saying they still had not found documentation to support the charge. I again asked Chase to resolve the matter. Chase refuses to resolve the dispute, leaving the credit as temporary. The FTC regulations are clear. " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' The rule is posted here on the FTC website. https : XXXX It has been over 145 days since I filed my dispute. I have tried calling Chase 3 times and have submitted 4 online requests that the dispute be resolved. I have spoken to both regular customer service agents and also to managers and Chase still refuses to comply with the FTC regulations. I would like you to inform Chase of the requirement to resolve the dispute within the stated time frame and send me a letter closing the dispute. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was laid off in XXXX, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, XXXX XXXX. 

Neither my XXXX with XXXX or the HELOC with Chase were mentioned. 

XXXX notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. 

Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told " Not until you 're discharged ''. 

By the time the discharge was in my hand, Chase had transferred my account to 'modification ', which I had NOT requested, again refusing payments until 'modification ' was resolved. 

From XXXX, XXXX to present, EVERY call I had with ANY of the numerous agents I was 'assigned ' to contained - " I want this resolved so I can resume payments '', as a review of their phone logs will confirm. 

EVERY request I made to resume payments was met with refusal. 

In XXXX, XXXX, I resumed payments, which were accepted until XXXX checks were mailed back to me in XXXX, XXXX. 
Another payment was accepted in XXXX, XXXX. 
From XXXX, XXXX until present, I 've supplied every document Chase requested, multiple times. 
I have been put through the same process over a XXXX times, each time with a different agent, having to go through the same process time and again. 
NO one in any position of authority at Chase has never accepted responsibility for the position they have put me in, even though the last XXXX agents I 've had to deal with, XXXX XXXX, XXXX XXXX and XXXX XXXX, have agreed that a ) this is wrong, b ) this is not of my making, and c ) I 'm not the only XXXX this is being done to - not that I ever thought I was alone in this. 

Since XXXX, XXXX, when I got notice they would no longer accept payments, all I 've wanted to do was resume paying the indebtedness I agreed to pay. 

Chase is now demanding what they are calling 'delinquent ' in XXXX sum or they will foreclose, and XXXX agent told me that Chase had foreclosed in XXXX while I was still supplying the requested information. 

Both the Housing Counselors at the XXXX in XXXX, and an agent I spoke with about a Reverse Mortgage said that this is a tactic Chase has been using for years and they hear the same story time and time again. 

I feel Chase has purposely put me in a position I 'm not able to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They would not open bank account because of report form XXXX XXXX bank.meaning.c Chase XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.

Company response to consumer: Closed with explanation