vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage has been carrying my loan with a missed payment from XXXX XXXX. I did miss a payment, but I made the payment on XXXX/XXXX/XXXX when I realized a payment was missing. I had no knowledge because I was in bankruptcy. I called numerous times to inquire which payment was missed. Finally, after speaking to various customer service representatives, I was told it was the XXXX XXXX payment. I then submitted a letter with copies of all the cancelled checks with an explanation as to what month it covered. As you can see check # XXXX sent on XXXX/XXXX/XXXX was for the missed XXXX XXXX payment. I even wrote it on the check. Chase did n't apply the payment even thou they sent me a letter stating the payment was applied to XXXX XXXX payment. Please note that on XXXX XXXX, XXXX, I sent in a payment, check # XXXX, for the XXXX payment. Chase refuses to bring my account current and to reverse all late payment fees and to rectify my current standing with the credit bureaus. Also please note that Chase sent me an escrow refund check for {$400.00}. Chase informed me that I mailed in a payment of {$1700.00} which was the payment due in XXXX. In XXXX the payment was {$2100.00}. Now according to their letter dated XXXX XXXX, XXXX, they were unable to backdate my XXXX XXXX payment. If this is the case, ( and I do n't agree with this ) I should only owe them {$410.00} which is the difference between my XXXX XXXX payment of {$1700.00} and my XXXX/XXXX/XXXX payment of {$2100.00}. Yet they sent me back a refund check from escrow for {$400.00}. Chase continues to harass me for {$1900.00} which includes late fees for {$240.00}. How is it possible that I made the missing payment and I still owe them {$1900.00}. Their explanation clearly shows that they took my payment and diverted the funds to somewhere. I want Chase to be held accountable for my payment made in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is not addressing my credit card dispute issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my credit at Chase, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with Chase and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My son and I share a a savings account at Chase Bank. My son also has a checking at Chase. My son recently sold a car to a gentleman for {$1000.00} for which he wrote a check. The gentleman left the payee blank so my son filled in his name himself. Today my son found that his checking account and our joint savings account are frozen. No explanation was given, only that he had to get the gentleman who wrote the check to answer a call from Chase and verify that he wrote a check to my son. My son was told that if he could n't get this straightened out ( even though they will not even tell him what the problem is ), both accounts would be closed in 7 to 10 days and the funds taken. The money in the joint savings account is my money. My house payment is deducted from that account. I am beyond furious. What can be done about a bank that steals ones money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank closed all XXXX of my credit card accounts in XXXX 2015 after I reported them to the CFPB for failing to secure my accounts from fraud after my cards were compromised. Since I generally paid my cards off each month, I had a credit balance of {$110.00}. I told Chase via phone on two separate occasions to issue a check for the credit balance. I also told them this via letter that they signed for. Chase has intentionally retained a credit balance on a closed credit card account and refused to refund me after I asked multiple times over a three to four-month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase sold my loan to a terrible servicer called XXXX, who has a XXXX with the XXXX. I do not approve of lenders being able to sell our loans without our consent. Congress needs to pass regulations that give the consumer more control and with all that has happened with the bail outs, etc., there should be more advantages for the consumer. I do not approve of moving to a half rate company who has XXXX positive review on the XXXX site, not to mention all the other sites that have hundreds and hundreds of complaints about the operations. It is time for a banking revolution in this country and the people need to wake up and kick these folks out who ca n't do good business. We should be able to penalize banks who do these things and take control of the systems we have allowed to be created under our names.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I bought an engagement ring with mostly cash but also financed {$1400.00} through XXXX XXXX. I had just recently joined the XXXX military at the time so I had no idea what to expect. I was XXXX several times over the course of the next four years, I lost contact with XXXX and was unable to pay my bill online because of trouble with their website while XXXX away from home. They charged off my account later that year XXXX. Fast forward to XX/XX/XXXX and I just got off active duty XXXX days ago and I am being contacted by Worldwide Asset Recoveries about the debt saying that I owe them {$2700.00} and I better pay or they will " let their legal team take the matter further ''. The representative of this company, XXXX XXXX, said he knew all types of personal information about me including that I was getting out of the military and the date of my discharge, my job while on active duty and tried to use scare tactics to immediately get me to pay him. XXXX XXXX also contacted my father the same day pretending to be a friend of mine from the military to get information from him and he never stated who he was, who he worked for or the nature of the call. I am sending a letter to the company to request that they no longer contact me or my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On or about XX/XX/XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) Alias name just so you know. she has many. She went into a Chase bank location in XXXX Oklahoma and withdrew $ XXXX {$9000.00} from a business account we had started together while dating. I went to go buy materials and my card was declined. I know that she took it because she call me and told me that she did. I was so hurt and embarrassed. I am wanting you to return my money that XXXX stole or took illegally fro chase or chase will be investigated by an attorney at law I have been banking with chase for over 10 plus years doing XXXX and XXXX and XXXX ... .I would like you to bring XXXX up on embezzlement charges for taking that money without my signature and taking me off the account It was unfair and unjust. I would be greatly vindicated if you done so thank you so much for everything and my phone number is XXXX and XXXX email me at XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation