vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In 2011 my identity was stolen and my chase account was put in the negative XXXX XXXX after that they restricted it then closed it. I recently went to a chase bank in XXXX and tried to open an account and he told me i coudnt open one and he gave me a numer to call. I called and spoke to woman and she told me that i should have no problem at all with opening the account because when chase no longer wants to have you as a customer they will put it in your file and she also if i had any problem call them. I went back into the same branch spoke to the same associate and he told me i could open the account but it would go through a second review and they might close within two days and it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage Acct # XXXX is reporting a balance of {$240000.00} on our credit files. This account should be reporting a XXXX balance as this was a Short Sale on XXXX/XXXX/XXXX. I sent a demand letter to Chase Mortgage on XXXX/XXXX/XXXX and have yet to receive a response from them. The only responses I have received are from the credit bureaus and the balance is still there. This is a major error that is preventing me from getting the credit we deserve. This needs to be corrected immediately or delete this account off our credit files!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have applied for a Principal Reduction and Loan Modification since the original Mortgage documents where made and signed by Chase representative without my consent and knowledge. Chase has not given me any compensation for the losses suffered by me and now trying to trick me into signing Home Affordable Modification Agreement documents which make the new documents take the place of the original documents since chase found that the initial documents were fraudulent. During the trail period time Chase send me letters stating that they will short sell or foreclose my house etc which puts very much stress on my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XXXX XXXX XXXX refuses to take my payment in full citing an agreement entered into with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I signed up for a Citibank checking accountpromotion back in XX/XX/2016 for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout.It has been 91 days aftermeeting all requirementsand no payout yet I have been calling XXXX in XXXX todayand that was about useless. Then I called a local branch guy in Illinoisand told him about the promotion I had and what was going on. I did not even have to give him my account # and he knew what the problems was and what was going on. He proceeded to tell me that hehas dealt with a lot of people over the last few weeks with the same issue as I am having. Apparently Citi is struggling to pay this $ XXXXpromotion out on time and is paying it outabout 3-4 weeks after thedayit was promised.When I signed up for this promotion I made sure to print all the " fine print '' out and I have it sitting right in front of meright now looking at it. Citi did not keep there end of the contract/promotion up.

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 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email on XXXX/XXXX/2015 saying Chase bank experienced some potential fraud and as a precaution they were sending me a new card. While waiting for the new card I continued using my old one. On XXXX/XXXX/2015 I went to withdraw money from the ATM to pay my rent and the ATM prompted me to call the bank in which I did. I was advised that the card had been deactivated and I should have already received my new card. The agent I was speaking to verified my address and advised me to check my mail box. XXXX which I do regularly ) After checking my mailbox and not finding the card there I rushed back to the bank and had a teller withdraw {$400.00} from my account. I then went home and called the bank again and advised the situation this agent then asked me to verify my address also and said the wrong address was on file. I advised the agent my address should have been the same address I have had on my account for the past 2 years. I also advised I just spoke with an agent earlier who confirmed my address through verification. The agent then updated my address and advised he would " rush deliver '' my card to me which would take 48 hours. It is now XXXX/XXXX/2015 and I have not received anything. I work Monday through Friday XXXX to XXXX. I rarely have time during the week to make it into a branch to withdraw money. I have 4 checks I need to deposit into my account but b\c of this inconvenience have not b\c I do n't have ATM access and have been forced to deposit them into my girlfriends checking account. 65 % of my paycheck is deposited into this account so needless to say this ordeal has been one of the worse inconveniences I have dealt with from ANY bank. I get paid Friday XXXX/XXXX/2015 and will have to go out of my way to go into a branch to withdraw majority of my money to keep from going back. I am a man with small patience and closed my XXXX XXXX XXXX account for inconveniences as such and although I may not be valued as a customer here I am sure another bank will value me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An unauthorized transaction was allowed to be processed by my financial institution, JP Morgan / Chase Bank, with incorrect account information. The merchant, XXXX, submitted a transaction for {$53.00} with incorrect street address, city and ZIP code however when I contacted Chase Bank to inquire I was advised that " certain merchants have very low account validation requirements ''. I asked for this charge to be disallowed and was informed that my entire life would have to be turned upside down with the closure of my card due to the fact that Chase Bank has failed to protect my account / monies by indiscriminately choosing which merchants can process transactions without having to validate that it is authorized by the consumer, i.e having the correct information of the account they are trying to process. I do not believe that there should be arbitrary account validation requirements that put the consumer in jeopardy of fraudulent activity or that JP Morgan / Chase should have the right to " decide '' which account transactions " look good '' based upon prior account activity when the account information which has been submitted in conjunction with any transaction is incorrect. The only recourse I was offered was to cancel my card and file a claim for a fraudulent transaction when it was the failings of JP Morgan / Chase to ensure that the information provided was accurate and complied with what any reasonable customer would assume to be standard security procedures when it comes to account security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX Chase Auto Loans reported to all three credit bureaus that they had charged off a loan with me and the loan now carried a zero balance. It remained so for 5 years, until in XXXX I disputed the validity of the chargeoff still being on my credit report because the original chargeoff date was actually in XXXX. In retaliation they changed the status of the loan to REPO/CHARGEOFF with a balance of {$15000.00}, which is more than was ever owed at the close of the loan. 

The loan had a protection clause ( which I paid extra for ) which was an insurance of sorts that ensured in the event I was involved in an accident that caused me to lose my employment the loan would be " paid in full ''. While I filed numerous papers with both Chase and the dealership ( XXXX XXXX ) to ensure this protection was invoked, Chase and I in the end came to the agreement that I would return the vehicle to them and they would charge off the remaining balance of the loan. This is why in XXXX the balance was charged off to a zero balance. However, the loan agreement actually came to anend in XXXX when I turned the vehicle back over to Chase. This is why I disputed the entry still being on my credit report in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We have a file with Ocwen, and informed them on XXXX XXXX that their is a Auction from the HOA. Every time we call, they play dump and act like they do n't care, I have informed the XXXX attorney who informed their contact, the payment is due now. They requested info that was emailed on XXXX XXXX and XXXX. Auction is Friday the XXXX of XXXX. 
The mortgage is a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We could not maintain employment in XXXX ( now in XXXX ) and could not make the payments on our house. We sought help from every resource available, HARP, HUD, PFS and relators among others. We attempted to execute a short sale on 3 different occasions and Chase bank deferred in each instance until the buyer could wait no longer. We contacted Chase several times regarding each of these contracts of sale but they would not respond. We also contacted Chase and asked them to supply the original documents to illustrate their proof of ownership and again they did not respond ; as we thought that perhaps that might be the reason they did n't process or acknowledge the contracts of sale. We completed the required change of address with the U. S. Postal Service and all mail was forwarded to our XXXX address. We also provided the same information directly to Chase. The contracts of sale were also constructed to cover our delinquency of community association dues. 

The short story is that Chase foreclosed on the property via a third party and subsequently purchased the property themselves via the same. Although the transaction history they supplied in the foreclosure documents indicated documents were mailed informing us of the auction and foreclosure, they were never received. The only document we received was the final foreclosure document, followed by a subpoena to address the delinquent community association dues ; as these were not addressed by Chase. Also, Chase 's final purchase price was well below any of the contracts of sale provided to Chase. 

We can not afford to pay the almost {$3000.00} of delinquent community association dues. We feel this was a deliberate action by Chase to ignore the contracts of sale and then purchase the property leaving us with the fallout. Our opinion is that this does not even pass the smell test. As our court date is about a month away, we would very much appreciate your immediate assistance so as to not incur additional cost. Thank you so very much for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I did n't modification with my mortgage company to save my home and they told me I had to miss three months worth of payments in order to qualify so I did that I we did the contract they lowered my payments they charge me {$36000.00} to do so I think it includes you know the late fees and interest fees but then I found out two weeks ago when I went to refinance because my interest rates going up again this year it 's going to go up 1 % every year until does it backed up to where it was to start with but anyway I found out two weeks ago that they actually added 13 years onto my 30 year mortgage so I 'm going to be worse off than I was when I asked for help I thought this was a government program that was supposed to help homeowners like me that were in a bad place I lost my job had to take a lower paying job and I just could n't make the payments I kept hearing about the government having a modification programs to help people out and I do n't think they help me out I 'm going to be in worse shape

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We found Fraud transaction ( XX/XX/XXXX ) {$2300.00} on Business account of Chase bank. 
We did cliam ( # XXXX ) to Chase bank and they said they ca n't distpute because it 's already over XXXX hours. 

XXXX XXXX is take out the money from our account. 

The bleow information is for Fraud transaction. 
XXXX/XXXX/2015 {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID :XXXXThis is unahtorized transaction. 
How can we get back the money?

Company response to consumer: Closed with explanation