vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a property in XXXX in 2007, 100 % - HELOC for around XXXX and a mortgage for $ XXXX, my property is under water by $ XXXX. Now I am paying more for my HELOC and no one seems to explain me why. I requested the amortization schedule and they denied me that information. I went to lawyers couple of times, they mentioned to me this is a bad loan. I want an audit on my loan, I did not qualify for XXXX. They took $ XXXX from my HELOC years ago. What I am supposed to do with the undervalue amount, loose my property in XXXX or 20 years? I called New York Chase XXXX many times and their answer was it was my problem not their problem, you need to figure that out. I am sure they did not write that in their system of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You 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 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
JP Morgan Chase bank reordered my transactions to come out from largest to smallest to increase my overdraft charges from XXXX to several. After talking to my bank about it I was informed by them that there were no corrective actions that they could take on the matter. I believe this practice to be unnecessarily financially detrimental and did read several articles about how the CFPB was looking into this practice and wanted to know if anything can be done about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc.
State: KS

Complaint narrative:
I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC
State: PA

Complaint narrative:
The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Bought XXXX XXXX XXXX XXXX XXXX-Chase Auto loan approved. Set up " bank auto pay '' w/Chase personal banker from my personal check acct.Then -traded in car for XXXX XXXX pickup XX/XX/XXXX.Called Chase personal banker to stop program XX/XX/XXXX - yet, Chase did n't receive dealership payoff until XX/XX/XXXX. Chase took additional payment ( {$350.00} ) from my personal ck acct on XX/XX/XXXX. 
In meantime - I had paid XXXX credit card monthly payments + XXXX XXXX ( new vehicle plates ) + XXXX ( prescription co-pay ) + grocery store + vehicle gas = total XXXX charges on my bank account= total {$330.00}. I left on veterans ' related business to XXXX ; before I realized Chase Auto Dept " ERROR '' - all XXXX charges I made were returned - NSF as Chase direct payment was processed prior to my XXXX legitimate charges. 
Through multiple phone calls, bank visits - finally Chase returned 'most ' of excess payment - yet it took couple weeks as funds were removed 'electronic ' and returned ' paper check via USPS [ {$350.00} removed & {$340.00} returned ]. After weeks of multiple phone calls later - Chase did cover portion of my bank NSF fees [ XXXX x {$32.00} = {$320.00} ] Chase covered {$190.00} on later draft sent USPS. They closed the case without finish covering balance of charges incurred by their " bank error ''. Most all credit card companies also charged " past due fees '' & " over-limit fees '' that compounded the snow-ball effect - when my payment to them were declined due to funds taken be Chase Auto. XXXX XXXX turned their NSF over to XXXX-Atty general office - collections dept with additional penalty. I yet to address XXXX NSF payment w/fees incurred. 
The last I talked to personnel @ Chase - office of the president - I was advised to " try to seek donation for our XXXX non profit veterans assistance " VETERANS FIRST ''. 
Efforts to contact proper department made with no success of Chase XXXX. 
Meanwhile - my credit reporting agencies have received notification ( s ) from my credit card creditors of NSF & past due. This lowered my XXXX scores from XXXX range to below XXXX made attempts to recover from Chase Bank Auto Division `` ERROR '' - yet, the resulting actions created problem that has gotten worse with the XXXX reporting agencies - XXXX +XXXX + XXXX XXXX XXXX Therefore - actions of Chase has caused great financial hardship compounded by emotional stress. 
I look toward CFPB for assistance - thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a direct complaint about the Chase Mortgage team in XXXX XXXX XXXX, XXXX California, led by XXXX XXXX. Loan Officer : XXXX XXXX Chase failed to properly qualify my buyers who initially applied through the VA Mortgage program. More than halfway through the loan application process, the underwriters decided to reject the loan ( allegedly due to regulation changes by the VA ) while we were a couple weeks away from the close of escrow. Buyers had to re-apply for a conventional loan and redo another appraisal on the property. Delays after delays with no updates to the buyer 's agent and not returning calls / text / email from my listing agent. Took me to reach out XXXX to get some updates on the progress of the loan. Furthermore, the underwriters have been dragging their feet on the approvals and nobody has been communicative or transparent about status, despite stating that the loan is marked for " rush ''. It 's unheard of for a government agency to not grandfather in loans that are in progress when there are regulatory changes. Seems very much like Chase is trying to cover their tracks with this error. Their lack of transparency to the issue and timelines have made this experience terribly difficult for all parties involved. This is unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We applied for a new home equity loan through XXXX bank. Their property report showed a lien of {$160000.00}. The lean was from XXXX XXXX in 1994. XXXX XXXX was acquired by Chase bank. We have paid off our mortgage but the property report still shows a lean from 1994.This is preventing us from getting the loan even though we have an excellent credit score XXXX Please see attached property report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started experiencing some difficulties using my Chase United Mileage Plus credit card. I called Chase and the response was that their affiliates decided to end relationships with me. This happened to be years ago with my chase checking and savings account. While on vacation my cards no longer worked and when I called chase, I received this very same response. This time I 'm furious. I was approved for a credit card through Chase, thinking whatever mistake they 've made in the past was just a mistake. Excited about using Chase again, I 've spent XXXX of dollars using my new credit card, I 've spent money for the benefit of obtaining extra bonus miles, now my account is closed without being notified, and my mileage is no where to be found. Please help me understand what 's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I signed up for a private student loan for Chase Bank at the age of XXXX to cover my education expenses. Of course at that age I was extremely naive to the drawbacks of a private student loan. Years latter I received a call from Chase Bank telling me that the loan totaling {$21000.00} was due in full immediately. The gentleman I spoke to was extremely rude and told me that there was no way to pay the loan back in installments or a payment arrangement. He told me that the only way I could resolve this matter is by somehow coming up with the full sum of the loan and pay it back immediately. I found this odd because I am still in school and was under the assumption that the loan would be payed back upon graduation and through a payment arrangement like a traditional student loan. Now the loan has defaulted on my credit report, ruining my hopes of establishing credit and owning a home. If Chase Bank would be willing to negotiate some type of terms I would be more the willing to start paying back what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}

Company response to consumer: Closed with explanation