vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have received your reply to Case number : XXXX in which you state that you indeed granted me a loan under the HARP program ; however, the letter that you enclosed was never sent to me. I keep records of all correspondence on this loan. 
The reason I know that you never granted me the loan under the HARP program is because after the loan was approved, I learned about the existence of this program. I questioned your mortgage department not once but several times after that as to why I was not granted the loan under the HARP program and I was told that I had not qualified for it. Should you have granted the loan under the HARP program, should n't your staff have known about it and responded accordingly? 
Also, should you have granted me the loan under the HARP program, the rate would 've been much lower than 5 %. I would 've not need to extend the life of the loan to 30 from 20 years ( previous loan term ) to reduce the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I want to share my disgust in how Wilshire consumer credit was harassing me at the very least 3 times daily. This was AFTER I told one of their agents that I was going to pay this debt off in 2 days. WCC called me from alternate numbers as well as blocked numbers. I instructed the agents to stop calling me to no avail. I have the call logs if needed. I noticed that you already have this company on your radar for these XXXX practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have encountered several incidents of financial identity theft dating back since XXXX 2014. As of XXXX 2014 a credit card was applied for online using my personal information. I was made aware of this per phone calls I received regarding non-payments. I did not apply for this credit card nor do I know where it has been used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase bank, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX I have a personal account with the above named financial institution. For me to get change for my consumers, I need to have a business account with them and I have to personally go there. ( My XXXX can not go there on behalf of me ). Is that legal? If we have XXXX Dollars and want to change into XXXX dollars, why are these stipulations by these financial institutions? 
Can someone please help me understand. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have XXXX student loans with the Dept of Ed/NELNET. 

DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$6200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$79.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$3700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2800.00} I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days late as of XXXX XXXX and 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
returned a camera light that did n't work. vendor denies receiving unit. disputed the charge. card company requested proof of delivery from me & i sent date/time stamped tracking report from USPS showing fr.door/porch delivery 4 days after i sent it. now they are still not wanting to complete refunding my {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Back in XX/XX/XXXX2015 my Chase credit card was compromised. I made several attempts to contact Chase but due to very long holds ( over 10 minutes each time ) i was forced to use the online platform. I informed Chase my account has been compromised and to close the existing account immediately and would make another attempt to contact them via phone. After more unsuccessful attempts I emailed Chase again a few hours later clarifying what happened and to resubmit me a new account with a new account number. Here is what followed : -Chase refused to provide me with a new account, this decision was made well prior to completion of investigation, violating our contract. 
- Chase provided untruth statements and without proper authorization submitted a brand new credit application. XXXX Chase has since acknowledged wrongdoing and removed the credit inquiry XXXX -I put Chase on notice via USPS and direct email correspondence payments would no longer be made until this account was rightfully resolved in compliance with our credit card agreement. 
- Further, I warned Chase about reporting inaccurate information to the credit bureaus concerning this account. 
- In spite of my clear communications Chase has reported this account as late to the credit bureaus. 
Due to Chase 's continued disregard for the law along with their reckless and deliberate violations the following damages have taken place. 
-My auto insurance increased XXXX monthly. 
- I have been denied a mortgage therefore unable to purchase a home- I have been denied credit- Most severely, I had a work promotion taken away by my employer XXXX XXXX after only two weeks of earning it. The promotion had entrusted me with personal and sensitive information of XXXX Michigan residence. The promotion also came with a monthly salary XXXX higher than what I was currently making. 
Next week I intend to file a lawsuit and will keep you posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?

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

Complaint narrative:
When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern : In XXXX we took a residential mortgage with XXXX Mortgage Co., a division of XXXX. This mortgage was subsequently assigned to XXXX XXXX Bank ( file # XXXX ). Around XXXX XXXX we refinanced the above mortgage with Washington Mutual ( WAMU ) ( file # XXXX ), which became the assignee of the XXXX mortgage ( file # XXXX ). However, WAMU never filed this assignment with the County XXXX Office. We refinanced again around XXXX XXXX and paid off Washington Mutual. However, since WAMU never filed the mortgage with the County XXXX Office, it did not file a Satisfaction of Mortgage either. WAMU acknowledged this error in the payoff letter it sent to us ( file # XXXX ). Recently, we tried to refinance the house again to help our daughter with college costs, but the bank refused because the XXXX Mortgage is still showing as unpaid at the County XXXX Office ( file # XXXX ). The County XXXX Office stated that Chase Bank ( which took over WAMU ) has to do two things : ( 1 ) file the assignment of XXXX Bank on behalf of WAMU and pay the recording fee ( which we originally paid as part of the closing costs ( see file # XXXX ) and ( 2 ) issue a Satisfaction of Mortgage letter to remove the lien. 
the following are our contacts if you would like to reach us : XXXXXXXXXXXX cell= XXXX 's XXXX XXXX XXXX XXXX ; XXXX 's ( XXXX ) XXXX home= ( XXXX XXXX XXXX Thank you for your attention in this delicate matter. 
Sincerely, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Paid off our mortgage loan XXXX/XXXX/15. Chase is not reporting our payment on XXXX XXXX, 2015. On our credit report states our last payment was made XXXX in the amount of our payoff, but this was made on XXXX XXXX 2015. Enclosed is the proof of payment on XXXX XXXX as well as a letter from Chase dated XXXX XXXX that our mortgage has been paid off. We made a regular scheduled mortgage in XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a second follow up to my original complaint. My original complain stated that ; On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 
To date the bank has reimbursement approximately {$9500.00}. 
The bank refuses to reimburse the balance of the money taken, which is {$2500.00}. 

My 1st follow up stated that on XXXX XXXX, 2016, the Chase Bank did credit my savings account with a total of {$1500.00}. There continues to be an outstanding balance of {$1000.00} owed to me. I have tried to call XXXX XXXX XXXX, Executive Office, Chase Bank at XXXX extension XXXX and he fails to call me back. I have no other resource that tho notify you in hope that you will once again interceded on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/2015, I sent a mortgage payoff payment via Chase BillPay of amount {$28000.00}. The payment was electronic and was delivered next day on XXXX according to Chase record. However, the recipient of this payment, the mortgage company, refused to accept this payment because it was not in certified check format per their policy for mortgage payoff. As a result, they notified me that they refused the payment on XXXX. Chase notified me on XXXX that the payment got refused. The mortgage company asked me to send the payment via wire within the next couple business days so that the payoff amount wo n't change. 
However, when I logged on my Chase account, I could not find anywhere that {$28000.00} is. I called Chase and spoke to XXXX representatives and XXXX supervisor. The supervisor told me their policy is that Bill Pay cancellation will take 2-5 business days to come back to my account. I was surprised, because Bill Pay ( especially this electronic one ) instantly takes my money when I submitted, but someone would hold on to it for 2-5 business days before returning back to me? It is worse than paper checks, where my money would have been sitting in the account while the check is being refused. 

The issue is then, I wo n't be able to make the mortgage payoff amount in the next couple business days. Plus, I felt it is extremely suspicious that Chase is just holding my money for interest or other investment during that 2-5 business days. 

I asked the Chase supervisor where their official policy is written, and legal terms and disclosures. She sent me the Chase Bill Pay legal terms and disclosures, but it only says " canceled Bill Pay funds will be returned back to your account the next business day ''. There is no where mentioning the 2-5 business days of returned/cancelled Bill Pay electronic payments. 

I am formally filing this complaint against Chase bank for unlawfully holding consumers ' money for extended period of time, outside of the Bill Pay legal terms and disclosures. 

Here is the Chase Bill Pay Legal Terms and Disclosures XXXX

Company response to consumer: Closed with explanation