vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Allegedly, I enrolled into TransUnion and attempted to put a lock/freeze on my credit report. That feature will not work. I looked for a fraud alert capability and could not find one. I feel I paid for a defective service which makes me wonder what else does not work. I enrolled in XXXX and XXXX. The results are better at XXXX and XXXX is superior to both XXXX and TransUnion. I did the XXXX signups to compare them. I 'll likely drop XXXX and stay with XXXX service. I rate them as XXXX is Superior, XXXX is Average and TransUnion is Below Average. So, if you are a D student and enjoy being stupid, TU is for you. If you do n't care but feel you need something, and have realized services like XXXX are worthless money grubbers ( allegedly, and they were class action sued for being a poor service ), but you are smart enough to know you need something to protect yourself, the XXXX is for you. If you respect yourself and you want the best service for your own benefit, then XXXX is your best choice out of the XXXX services. Remember, it 's only getting worse. Also, beware of people or companies who can file and grant you credit with or without a good credit report. So, the insurance offering is a good thing. Please email your congressman, state and federal, and force them to classify identify theft as a major felony with minimum sentences equal or higher to XXXX, XXXX and people who commit treason. Literally, do n't let people who steal peoples life savings and XXXX up their lives get off easy. Make it a life sentence or if severe enough, XXXX.

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 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I contacted this company at XXXX and realized within XXXX hours that it was n't what I had really wanted. I have been trying to get a refund on my credit card from them since XXXX on their 60 day 100 % refund. I have contacted this company at least 5 times and they are n't listening! 
XXXX ; XXXXXXXXXXXX & gt ; XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX XXXX $ XXXXXXXXPrint XXXX, TX XXXX US

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid Chase bank and they never updated the information with the credit bureaus. This is hurting my credit report and score and preventing me from achieving my dream of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When I applied for this card XX/XX/2016, it 's headline feature was an offer of XXXX Frequent flyer miles on it 's affiliate, XXXX.The feature was listed in the magazine ad that induced me to apply for the card. This specific feature, {$1000.00} of spending in the first three months after card issuance would generate XXXX FF miles, was then and is now advertised in the seatback pocket of every XXXX XXXX seat of every XXXX XXXX flight. It also was and is the first listed feature on the card website, theexplorercard.com. I set about meeting the minimum spending requirement of {$1000.00} in the first three months ( {$1300.00} total on my first XXXX statements starting immediately when I received the card ). I waited a month expecting the additional XXXX frequent flyer miles to appear in my XXXX XXXX Mileage Plus. When the miles did not appear, I contacted Chase ( the card issuer ) and inquired. I was told that my account was signed up for a different offer ( XXXX FF miles for {$2000.00} of spending in the first three months ). This was not the offer I had seen in any advertising. I had asked about the XXXX mile offer when I applied for the card on the phone indicating that those were the terms of the offer I was seeing. 
As a result, even though I met the conditions of spending {$1000.00} in the first three months, I will receive no frequent flyer miles for that feature. This appears to me to be a bait and switch offer since I never saw any advertising depicting the altered terms. I let them know what offer I was seeing when I applied and the predominiant advertising still touts those terms. When I appealed, my appeal was rejected. Although, this is a annual fee card ( {$95.00} ), and I spent the required dollars ( and could have spent the {$2000.00} spending requirement if I had been properly informed ). I have no frequent flyer miles to show for my actions due entirely to bad faith on the part of Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I recently paid off a vehicle with Chase Auto Finance, the exact date being XXXX XXXX ( considering we were n't allowed to submit payments XXXX XXXX XXXX ). The normal procedure as stated on the website was then to issue me my title to the vehicle within two business days. Well, it has been over a month and I have yet to receive it. I have called numerous times and each time I speak to someone they have to issue a " request '' to a different department to get my release issued and title mailed and also, to close my account. They then give me a ten day deadline, and ask that I call after the ten days has ended. Each time, they simply postpone the deadline. I finally drive to a storefront Chase Bank who then says they are going to overnight me my title. I received this letter the next, and all it includes is a lien-release. I go to the XXXX who then says they can do nothing for that. All I want is my title, which I rightfully own, and for this company to stop reporting to the credit bureaus that I have an open account when I paid it off over a month ago. I have been a good customer and have paid my loan in full in good faith, and they ca n't even issue me my title to my vehicle and give me what I rightfully own. This has even prohibited me from selling my vehicle twice, a total of {$25000.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: LendKey Technologies, Inc.
State: WV

Complaint narrative:
I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
It would be nice also if CFPB would do something more to help than just request the companies side of the story. I little research by someone that cares would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am in the process of buying a new home. I had a foreclosure several years ago. My lender has requested a satisfaction letter from Chase Mortgage.I called them on XXXX XXXX and requested the document and was told it would take between 5 and 15 business days to get the letter. As of today ( XXXX ), I can not get that letter I need and now I ca n't get anyone to call me back. I already lost one house and had to eat the inspection fee and the appraisal fee because of this missing letter. I have a new house under contract and need them to provide the letter immediately. I am at their mercy right now and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been contacted on XXXX separate times concerning balances on my credit cards. I d not normally carry balances but, because of a family emergency, I am carrying them now. In particular, I was contacted by an entity today regarding my Chase credit card. The " hook '' if you will, is an offer to lower the interest rate to 6.9 % from my current 20.24 % ( unfortunate ) rate.The call progressed from a salesperson to a " manager '' that will give me the specifics. The specifics are a flat " fee '' as it was referred to by the manager will be conveniently charged to me in XXXX monthly installments and will " knock off {$1700.00} off of the of the interest charged at the usual rate ''. Wait a minute? So on a declining balance, that would not be true? They switch me to a person in " security '' and as I question and challenge the truth about the switch, I ask them who exactly they are and how do they know about my to the penny balance, available credit, and last payment and what bank it is drawn on? I argue with the " help '' they are offering, and want to see something in writing. This " security '' person states that it 's already done, to which I became angry and ask how could they do that without my consent as there was no point in the conversation that I gave consent. After I stated that I would not be carrying the balance for a year,, The argumentative " security '' person asks if intend to pay the balance in full within XXXX weeks to which I answered yes. He then in a THREATENING manner says he will inform Chase. I ask that he give me his name and he hung up. The initial call was from XXXX.My call was dropped and the " manager '' called me from XXXX. I used this number to call back and it was Chase! Option XXXX is for lenders to obtain balances from credit card holders! I asked to talk to someone in the security department and was told that Chase does not give out this information, which I do n't believe. At one point in the conversation I stated that if it was Chase, why could n't I negotiate a lower rate for my self? I think this is very deceptive, and a means for Chase to burden it 's credit card holders with more debt and that unfortunately many people are deluded into taking the offer. Are any laws being broken here or is it just bad ethics?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello. I owned a home ( XXXX ) back in XX/XX/2013. The home went into foreclosure. I packed up all of my belongings so that I could pick them up before the locks were changed. When Chase informed me that the locks had been changed and gave me the passcode to the drop box, I found that the vendor that changed the locks stole personal items. Chase told me I had to file a police report. The Police could not come out to make the complaint because the mortgage company no longer allowed me access to the house after that. I do not know where else to direct my complaint to since it is difficult contacting Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase phone XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX had no right to decrease my available credit and pull a credit reportOn me or can they periodically check? I have never had that happen to me in XXXX years, always paid them on time. They said my balance was high. So what? It 's not over the limit, from {$1500.00} avail credit and they lowered it to {$330.00}. Limit from {$8000.00} to {$6600.00}. Very very upset what are my rights? And they are so bad with my profile ca n't find any past accounts which I paid off because needed the account numbers. I have another card with them feel they will do the same. Very upset because what if there was a pending purchase before their act was done and NOW I 'm over the limit? Unbelievable ... .XXXX XXXX, 2015 XXXX consumer in Hawaii ( at the mercy of THIS creditor )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX XXXX ssn : ***********, showing Chase on XXXX acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Became aware that a Chase credit card was opened under my identity on XX/XX/2017. Immediately contacted Chase thru Chase Card secure message service. Initial response from Chase confirmed a new account was opened but Rep refused to provide info, citing security reasons. Chase agreed to place a temporary hold on this account upon my insistence. On XX/XX/2017, I received a card in the mail for this account. I again contacted Chase Services and informed that under no circumstance should this card be activated. 
On XX/XX/XXXX, I received a letter from Chase, dated XX/XX/XXXX, informing me that a new application for a Amazon.com card was declined for being " a duplicate application. '' I have given Chase written notice thru their secure message center and have also called Chase Service to report this fraudulent activity and have consistently received conflicting info from their representatives. If I am not reporting this fraudulent activity in the proper way to assure that my identity is safe guarded or that fraudulent charges do not appear under my credit reports, please provide me with more specific instructions. I am also requesting copies of the applications that Chase used to open this fraudulent account.

Company response to consumer: Closed with explanation