vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
First and foremost i am extremely upset on the decision Chase has given me. My card was stolen from my possession and during this whole month period chase did n't alert me when my card was being used in another state. Approximately 6 to 7 hours. The total that they have used is about XXXX dollars. I contacted the merchants and spoke with multiple managers in which they say that the signature is in a females name on most of the transactions. Lastly, chase does n't want to refund me because of inconsistent information. While most of these transactions happened during my instructing religious class, which was 7 hours away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX. 
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs. 
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working .... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman .. 
-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Sequence of activities happened between XXXX/XXXX/2016 and XXXX/XXXX/2016 1. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 2. XXXX/XXXX/2016 - Deposited {$500.00} in Chase bank ATM XXXX. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 4. XXXX/XXXX/2016 - Withdrawn {$100.00} from XXXX XXXX XXXX ATM 5. XXXX/XXXX/2016 - Withdrawn {$4000.00} from XXXX XXXX XXXX teller counter which is located in XXXX around XXXX or XXXX. 
6. Walked one block 7. XXXX/XXXX/2016 - Deposited {$4100.00} in Chase ATM which is located at XXXX, NY around XXXX 8. Got technical error around XXXX. 
9. Immediately Contacted branch officer around XXXX 10. Claim was created. 
11. On XXXX/XXXX/2016 around XXXX - No money found message from Chase bank 12. On XXXX/XXXX/2016 around XXXX - Contacted chase claims department 13. After sometime there is an error found {$3600.00} and {$500.00} missing. Requested to do second round of research 14. On XXXX/XXXX/2016 - Money not found, Research was done no further investigation will be done. 

Finally I lost {$500.00} money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I took XXXX car on lease from Chase in XXXX 2015 ( hard check on credit ), opened checking and saving account with Chase in XXXX 2015 and all was going fine up till XXXX 2015. In XXXX 2015, they asked me to come and fill form XXXX to validate my identity ( name & SSN ) and I did so fully compliant at all times when ever they wanted any information whether my passport, driving license, XXXX copy and SSN card copy. They made me fill the same XXXX form in XXXX, XXXX & XXXX with same details again ( if you got it first time, why would you make me to do it again ) and also asked me to get a letter from Social Security XXXX certifying my name and SSN ( I got that too from XXXX XXXX SSN office with duly stamped and submitted in XXXX XXXX week ). Now even after doing all this, I was traveling and suddenly my debit card stopped working - I checked and they have mailed me a letter in XXXX first week stating that they have closed all my accounts because of invalid information and are going to report this to credit bureau on my car lease too. How rude and unprofessional is this? they never told me all this while that whom they are talking to and why they need this information on me when i have given them a letter from SSN office certifying my credentials. 

This is going to affect me so negatively and even though when there is no fault of mine. I have bank accounts in XXXX XXXX XXXX, XXXX and XXXX credit card too all with same name and SSN. 

Need your help desperately to stop chase in spoiling my credit history and file a case on them for causing XXXX and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
the message below was sent to chase XXXX XXXX foreclosure mill aka oh XXXX loan default manufacturing center within chase bank aka loss mitigation unit run by former bear stearns execs including the former ceo. 
pursuant to OCC sanctions on former XXXX ceo execs and other former XXXX execs in jp morgan chasebank oh XXXX loan default management group foreclosure mill default manufacturing unit this cease and desist notice is as follows as a JPMorgan chase stockholder and JPMorgan chase misconduct whistleblower to uscfpb. see below1. Cease and Desist calling me from exec offices of chase unit XXXXXXXX that violates the national mortgage settlements for only contacting me by the principal point of contact XXXX district XXXX XXXX chase v.p manager and no one else2. cease and desist keeping this current loan number that I never applied for in loss mitigation since it is not related to original erased by chase bank to evade dodd frank act original bear stearns loan beginning withXXXX. new loan terms include adding balloon payments in XX/XX/XXXX ranging from $! # XXXX to $ XXXX depending on chase source.these loan terms were added to as a loan modification and or new loan origination without any application from me with no loan docs and no settlement and to letter of rescission already submitted to XXXX XXXX via secure email and us cfpb notice of complaint. 
3.cease and desist sending me mortgage statements with falsified by chase mortgage e balances since XX/XX/XXXX transferred from emc XXXX chase with and XXXX years taken off repayment period turning a XXXX year loan on mortgage statement to a XXXX year loan. 

cease and desist confiscating my mortgage payments and escrow funds under camouflage of loss mitigation and per occ sanctions notice money laundering my payments XXXX or other XXXX chase subsidiaries and then trying to manufacture loan defaults by not applying payments5. cease and desist colluding with XXXX loan management services to manufacture defaults using forgery docs produced by chase forgery factories which I have in my possession sent to me by chase whistleblower employees. 

6. cease and desist using my escrow account to manufacture defaults by raising my payments while not applying over {$2000.00} in escrow funds from five future payments already made as shown on chase mortgage website for this manufactured zombie loan that has no loan docs ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase insists on reporting delinquent payments on my credit reports and my wife 's credit reports 6 years after the Chapter XXXX bankruptcy was discharged. We have requested the information be removed by contacting the reporting bureaus, Chase and now CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Someone used my debit card number, not the actual card to rent a car and said they had my permission which they did not. I do not know the person. I filed a dispute with JP Morgan Chase which they applied a temporary credit for XXXX there were multiple charges ) they later reversed some of the credits. the total was over {$10000.00}. They told me XXXX had sent them paper work with someone elses name and my debit card number ( not through a POS ) and this constituted proof that I gave the unknown individual permission. This is " under investigation '' with XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A couple of days ago I got a notice from Chase Bank that the terms of my agreement had changed and that I now needed to make monthly interest payments on my balance. I transferred about half of my balance on a XXXX credit card in XXXX with the understanding that there would be no interest payments due for 15 months. This is how the SLATE credit card is advertised even today as my attachment shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A class action suit was filed against our lender XXXX JP Morgan Chase XXXX regarding unreasonable in-house insurance premiums being charged on some housing loans and me and my deceased spouse were among those who have paid these in house insurance premiums. A settlement was finally reached but my monetary claim is being held by plaintiff lawyer/s for failure to submit sufficient documentation of my authority to file and sign a claim on behalf of my deceased wife/co-claimant. I am being required to submit " Certified Copy of Letters of Administration or Testamentary as evidence of my authority toto file and sign the claim on behalf of my XXXX wife ''. 
I believe their above requirement is unreasonable and too burdensome for a struggling widower who is simply living on paycheck to paycheck just to be able to maintain a decent living with a house of my own. I can not afford to hire or consult a lawyer to adviseme on how to obtain this so called " Certified Copy of Letters of Administration, etc etc ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I pay Chase Bank weekly for my credit card bill. Despite receiving my weekly payments that cover the monthly charges and late fees with extra to go toward my balance, Chase calls me numerous times a day demanding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Went to a after hour and purchase a fish dinner for {$12.00}, the waitress never came back with my credit card and I had to get another waitress to hunt her down to get my credit card back because I became worried. She came back to my table with other receipts that were not mine and said she was sorry would return with the right receipt, later she gave me my right receipt which was in the amount of {$12.00}, I ask her did she cancel out the wrong amounts, and she said yes, I asked her for my copy and she said she did not have one for me to sign but would write her name on my receipt and the amounts and, if I had any problems. The next day I was charge {$35.00} and XXXX for purchases I did not make. File a dispute with Chase bank and Chase customers service representatives refuse to give me credit for the {$39.00} and insist on crediting me the {$4.00} only because credit was given for {$35.00}, but their were XXXX unauthorized charges I only sign for the {$12.00} which I did purchase.In total charges were {$74.00} charge to my credit card, Chase still owe me {$35.00} minus the {$4.00} given already as a credit. I want my refund immediately credit to my account. I do have the receipt the waitress gave me with her name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2016, I ordered XXXX items using my debit card ( for {$65.00} ) from a web store in the XXXX. The items arrived from XXXX on XXXX XXXX and they were the wrong brand, shape, color, design, etc. 
I contacted the merchant and immediately began receiving spam mail ( now i think the site is fraudulent. ) I called Chase Bank and explained the situation. They gave me a credit and said they would be in touch. 
On the morning of XXXX XXXX, Chase said they required me to find a merchant and have them sign a document stating that these items are incorrect. I offered to send the entire package to Chase so they could see the labels themselves and I also offered to send photos. They are claiming that I must visit merchants and get someone to type a letter for me on their letterhead to say that I was defrauded! This is completely outrageous. I just went to my local store and they looked at me like I was crazy. What business owner is going to agree to do such a thing, especially for a non customer? This appears to be a way for Chase to put the burden on the already taken advantage of consumer. I have been a customer of chase for over 10 years and I have NEVER filed a dispute. There is no reason for them to NOT believe me. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I need to dispute an item on my credit report, Chase Bank is refusing to give me my Checking and credit card statements.

Company response to consumer: Closed with explanation