vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am concerned that Chase charged me trailing interest/ Residual interest on a balance that I paid in full. 
I usually pay in full but noticed they have been charging me this type of interest often even when the balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly I badly need help to get it removed from all my credit reports and stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There were XXXX unauthorized charges on my chase credit card account. I contacted Chase and initially they credited my account while they were doing their investigation. Later after about 2 months they told me that the charges were valid and charged my account. But I have told them over and over the charges were not mine and I never authorized the charges. The person who made the charges has a totally different name, living in a different state! I do n't know the person, I never authorized the person and I have no idea how that person used my Chase account number to subscribe to XXXX! 
Since XXXX XXXX, 2015, I have sent chase XXXX messages ( through their online customer service ) telling them again and again that the charges were not mine and every time they say they are looking at my issue and will get back to me in 2-3 days, but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In fall of XXXX I accepted a XXXX interest balance transfer offer from Chase bank on XXXX XXXX credit card. There was also a PREPAYMENT FEE. 
There were multiple late billing statements and some never received. When I attempted to get resolution on this by contacting customer service in summer and early fall of XXXX, no apparent credit was given for at least XXXX late fees, even when billing statements were not received. 
Some billing statements continued to be missing thru fall and holiday season of XXXX, and when I finally became aware that billings had not been delivered, I attempted to payoff loan in XXXX XXXX, minus around {$180.00} in disputed interest charges. 
As I continued to dispute interest charges, I was told that no department or individuals existed in Chase Bank System to deal with this issue, other than regular customer service staff and supervisors. This past week however I was told that " escalation '' units and individuals did exist. 
Multiple contacts over this issue with customer service, also experienced rude, hostile supervisor representatives, who often seemed to give lectures on how I as the customer was fully responsible for additional charges and late fees ; even when billing statements were consistently absent or weeks late. 
Ironically, monthly offers for additional balance transfers consistently arrived in the mail. 
Ultimately, my credit rating has dropped over the past 6 months, many documentable hours have been spent in often hostile conversation with customer service reps., some late fees have been removed after at least two months of existence on billing statement, but no attempt has been made by Chase to deal with Disputed interest charges ; by adjudication or any process accept to lay full responsibility on me. 
Finally, the current billing statement seen online indicates around {$240.00} due, while yesterday I was assured by a customer service supervisor, that all " late fees '' have now been removed, and all that actually exists as due is around {$180.00} ; which is the amount of the originally disputed interest charge of 14 ( plus ) percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase decided to blatantly break the XXXX law XXXX and illegally prey on XXXX citizens above the age of XXXX, potentially also violating federal age discrimination laws. They are falsely and thus illegally advertising that they are giving medical alert services for free when they really are n't. XXXX citizens who may be suffering from XXXX due to age are especially vulnerable to Chase 's sick and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Applied for Chase saphire credit card. I have an excellent credit. Received a denial on the basis that if within 2 years I was approved for XXXX or more credit cards ( any bank ) I can not get the credit card. It 's very deceiving, because had I known prior to the application that that would be the case I would n't apply and waste a credit inquiry which negatively affects the score! Very disappointed, Chase should disclose and tell the customers PRIOR to applying that this is a condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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:
Dear Sirs, Please help me! I 'm XXXX-year old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys. I tried working with Chase and when I wanted to send payments to them, they would not accept them and would n't talk to me or my son. I could n't find an attorney who would go up against JP Morgan Chase so I went by myself to the Court in XXXX County, XXXX, and did the best I knew how to fight against the attorney there representing JP Morgan Chase. Of course I lost. There 's a silent relationship between Judges and attorneys. I have been fighting for 2 and a half years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it. Please come to XXXX XXXX, VA which is only an hour and 15 minutes from XXXX and see why I 'm so devastated about having to leave my home of 37 years and have to move in with a stranger somewhere. It 's just a 130-year old house needing lots of repairs sitting on the XXXX XXXX. It 's incredible sunrises and breath-taking moons hanging over the river. It 's awesome! Nobody wants to hear about the emotions and memories connected to our homes. Come stay for a couple of days in my home and you will see why I 'm so passionate about not wanting to leave. It 's XXXX running investment companies in XXXX XXXX who now own my home. Why did the government give XXXX dollars to the mortgage-banking businesses, like JP Morgan Chase, XXXX XXXX XXXX, XXXX, etc. to help individuals like myself out of the XX/XX/XXXX crash, only to give top executives XXXX dollars as bonuses? We the middle class have no rights or they try to tell us we do n't. Why has this huge fraudulent crime been allowed by our President and government? Our foreclosed homes are being dumped into thousands of hedge funds only to be sold over and over and allowing lenders to write-off XXXX dollars again and again as a new investment firm buys the whole package of thousands of homes as quickly as every other month. All I wanted to do was run my little business of renting out my home, in the XXXX and XXXX, to busy, stressed out guests who will discover the peace and tranquility of this little town of XXXX XXXX, XXXX. At XXXX, I had a business and place to live until I die. Will you help me go up against JP Morgan Chase? The court says I have to get out by XXXX XXXX, XXXX. At this point, I just want to rent my home. Please help me do that. Thank you so much for listening to my complaint. XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank is rearranging payments from my checking accounts and charging overdraft fees on payments that previously were paid and changing the transaction dates on my statement to match the fees that they have assessed me. This has been going on for some time. When I question them they always justify it. On XXXX XXXX I took a flight from XXXX to XXXX. I checked my bag at the airport. On XXXX XXXX my XXXX payment if {$410.00} was submitted which I knew I would get a fee on. When I checked my account the check bag fee was now moved to the XXXX along with the XXXX payment. The money for my checked bag was applied to the XXXX payment and now I have XXXX overdraft fees. They have rearranged my payments as far as 4 days back in order to charrge me overdraft fees on previously paid items. When I receive my statement my transaction date for the check bag fee will be XXXX XXXX instead of XXXX XXXX the actual day of the transaction. I can not prove how many times over the past years that this has happened because the transaction dates on my statement are changed to match the dates of the overdrafts. I dont mind paying for legitimate overdrafts but not for overdrafts manufactured by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Payment was made to XXXX XXXX XXXX who transferred my loan to XXXX without notifying me of the transfer and on XXXX XXXX, 2015, I sent a cashier 's check from XXXX for {$6000.00} that was deposited into XXXX JPMorgan Chase by XXXX for XXXX XXXX Payor XXXX XXXX XXXX, property address # XXXX XXXX XXXX XXXX XXXX. Also, I made for {$2000.00} I took out of my XXXX XXXX XXXX via a Cashier 's check that was again deposited in JP Morgan Chase by XXXX for another deposit for XXXX XXXX payor XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX for a total {$8000.00} deposited in.XXXX XXXX account with me as the Payor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of {$99000.00} would be payable over the next 360 months in equal payments of {$530.00} which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin XX/XX/XXXX. 
I have now made XXXX monthly payments of {$530.00} of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of {$6400.00} and also are charging me a " Discharge Fee '' of an additional {$28.00} every month. None of these charges are in my agreement or ever talked about. 
When I contacted my branch in XXXX as to what was happening, they made several phone calls of which nobody seemed to know what to tell me. Another phone call was made when I approached the bank the next month because I did n't hear from anyone. After doing this for several months, I finally got a call back from Citizens Bank and was told I would hear back within 24 hours. As of XXXX XXXX @ XXXX, I have never heard back from the bank. 
XX/XX/XXXX my attorney filed a formal " Notice of Error '' pursuant to XXXX XXXX and have not had a response to this Notice of Error from Citizens Bank as of this day, XX/XX/XXXX. 
I need your help again ... At XXXX years young XXXX, I do n't need this horrible treatment from a bank that I have been a customer for the past 32 years. This bank advertises " We 're committed to you '' ... ..I do n't know who " you '' is but it certainly has n't been me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase denied all requests for assistance to help me maintain ownership of my home, I lost my home due to foreclosure. My savings depleted and I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a letter from Chase stating my payment XX/XX/XXXX was not credited and requested I send proof of payment. I inquired with my bank and my bank sent statements XX/XX/XXXX verifying we did in fact make a payment XX/XX/XXXX. I was unemployed XX/XX/XXXX and called Chase stating so XX/XX/XXXX, we paid {$810.00} XX/XX/XXXX, we made XXXX payments in the amount of {$810.00} XX/XX/XXXX to cover the missing month and paid {$810.00} XX/XX/XXXX payment. I faxed the same information the bank faxed XXXX, she called me and left voicemail stating she was having the payment credited to have issue resolved. I made XX/XX/XXXX payment XX/XX/XXXX, it has not been credited to my account. Chase is still showing we are behind XXXX payments despite my proof of payment and continuance to make payments. I desire for Chase to resolve the error and credit my account on the day payments are received, credit the payment made XXXX/XXXX/XXXX immediately and send me a letter verifying we are not in foreclosure status and the account is current. Further I have called the representative Chase is stating is able to help only to be told another representative is handling this situation. Names I have been given, XXXX XXXX, XXXX XXXX, XXXX XXXX. The name provided in the response to my initial complaint XXXX, I have yet to speak with her and was told XXXX XXXX was handling my complaint when I called and asked XXXX. When I called and asked XXXX I was told XXXX XXXX was handling my issue. Who is really handling my issue? I have been passed around to multiple representatives without resolution despite my diligent effort to resolve this issue and providing bank statements and a letter from the bank. My bank has faxed the XXXX pages of bank statements and letter to XXXX separate fax numbers at Chase in an effort to have this resolved. The lack of closure has me concerned we are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX/XXXX/2016 Chase Mtg. recived a check for the balance of my loan, payment in full. Chase reported on XXXX/XXXX/2016 to XXXX a credit score firm a closed account with a {$22000.00} balance, the balance is XXXX not the aforementioned. After checking my XXXX report I learned it shows a open account with a {$22000.00} balance. The account was paid in full 9 days ago and Chase 's reporting to the credit firms is not accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XXXX, my husband and I were both laid off from our jobs and our home went into foreclosure. The sheriff 's sale was XXXX XXXX, XXXX and we were able to redeem the property on XXXX XXXX, XXXX. We were able to get a loan from XXXX XXXX XXXX, XXXX, MN XXXX for {$35000.00} and in the loan settlement, XXXX made the payoff to the Sheriff of XXXX XXXX, MN. We applied for a refinance loan with XXXX in XXXX on XXXX XXXX, XXXX. Around XXXX XXXX, XXXX, the mortgage loan officer called to tell me that when the underwriter pulled the credit reports, it showed a past due amount of {$15000.00} owed to Chase Mortgage and XXXX needed a letter from Chase stating that we did not owe them any money. I contacted the foreclosure lawyer, XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX, MN XXXX and he said he would contact Chase and get it straightened out. On XXXX XXXX, XXXX, I contacted XXXX XXXX again and he had not heard back from Chase. I asked him for a contact name and number at Chase so I could follow up on this and he told me that he could not give out that information. I then found a phone number on the internet and called Chase on XXXX XXXX, XXXX. I received a call back from XXXX XXXX with the Escalation Department and he requested proof that we redeemed the property. I faxed him the Recorded Document Sheriff 's Certificate of Redemption from Foreclosure, the Settlement Statement from XXXX XXXX XXXX showing that they paid it off, and the Payoff Figures from XXXX Co Sheriff 's Office. XXXX has called me back every week since this time to give me an update, but all he tells me is that they are working on this. He told me it would take until the end of XXXX before they would get this cleared off our credit and I would not get the letter until then. He could never answer my question as to why this was not taken care of in XXXX. It 's been 5 years and it is ridiculous that it should take a month and a half to get this off of our credit and for them to write the letter so we can go forward on the refinance loan. More than likely our interest rate will increase because it has taken so long and our locked in rate has expired. This never should have happened to a consumer.

Company response to consumer: Closed with explanation