vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a mortgage loan that was sold to JP Morgan Chase. 
It is an interest only loan I have paid religiously on the loan for XXXX years. 
I have also paid my own taxes on my home - I have never escrowed taxes for Chase to pay for me. I never agreed for them to either pay the taxes or escrow for future tax payments. 
In XX/XX/XXXX Chase took it upon themselves to pay my taxes and then demand payment from me for those taxes and an additional {$2000.00} per month for my mortgage ( apparently to escrow for my {$5000.00} annual tax bill ). I was not late on my payment of taxes. 
At the same time, I was having a business problem and I could not pay the extra amount. They have started collection procedures on me and have ruined my credit. 
Their demand to me is unconscionable - I never agreed to any of this and no one talked to me from Chase bank before they took unilateral action. 
They have abused me and are making an unreasonable demand which I will not agree to. This bank is so large I can not get anyone who has either understanding of the situation or can do anything about this travesty to make it right. They call my ex-wife and harass her. They harass me. I make phone calls to Chase to find someone who can understand this issue. I always end up talking to someone in XXXX. They can do nothing. They transfer me to a U.S. representative. They wo n't even take the time to understand the problem or find someone who can help me. It 's now affecting my credit. I can find no one who can talk to correct this grievous mistake and the abuse just grows. This bank is always defrauding consumers and they are defrauding me now with this unilateral action on their part. One only has to search online at the abuse they do to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX Regarding loan number XXXX XXXX for the estate of XXXX, Mi. XXXX The following outlines the difficulties that we have been having for the last three years with Chase Bank, with regards to the mortgage of my late mother 's home in XXXX, Michigan. 
Shortly after my mother passed away Chase Bank demanded a full reinstatement payment of {$4700.00} which was made on XX/XX/XXXX. 
The following month, we went to a branch location to make a payment and were told that payments would not be accepted, due to the fact that there was no longer a loan. We spent the next three months trying to straighten this matter out with Chase, to no avail, until I personally ran a deed and title search on this property, what I found was that on XX/XX/XXXX, the day after we paid fully to reinstate the loan Chase changed the deed to themselves. This was formally recorded on XX/XX/XXXX. 
We have been embroiled in this matter since then and need your assistance to get Chase to release this loan to me, the property was given to me prior to my mother 's death and we are happy to pay on this mortgage, but Chase is making it impossible to do so. Also, there is a sale date set for XXXX XXXX. 
Please see all accompanying documentation. Thank You for your assistance with this. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Case number : XXXXThe so-called response from Chase is NOT even signed so there is no way to identify whomever is involved in solving this problem. The lack of a signature suggests a lack of accountability and therefore a lack of integrity which only adds insult to injury. In the meantime the problem has not been solved!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I need to deposit a house insurance check in the amount of {$12000.00} to my Chase account and they are refusing to accept it because they say ( 1 ) the amount is too large, over {$10000.00} and since it was issued to my husband and myself and XXXX XXXX XXXX ( the XXXX company I hired ) and XXXX, and duly endorsed by all parties, Chase 's internal rule indicates that the check must be deposited to the business account holder in detriment of their own personal clients ( my husband and myself. ) Chase gave me two suggestions : ( 1 ) return the check to the insurance company with the endorsements and ask that they issue a second check only on behalf of my husband and I, or ( 2 ) have the check deposited in the XXXX ' banking account. Either of their solution is unacceptable to me as it exposes me to credit risk since ( 1 ) the insurance company may actually reject the check since the money was deposited by a third party and not the insured and ( 2 ) the fee to the XXXX is only {$2400.00} for which I already issued and delivered a check. By having the company deposit the check I need to wait for their bank to clear the balance of {$9600.00} which exposes me to the credit risk posed by the XXXX company for a week or so. Additionally, if my bank can stipulate what kinds of checks it can receive in the branches for small amount of dollars or any other internal rule, they are not doing their basic job of clearing checks! I have been a banker all my life, most recently as a Banking Center Manager at XXXX XXXX XXXX, and can not understand how a duly endorsed check, including with a signature guarantee on the part of the XXXX bank can not not be processed by the banking system. What would happen if I had a check issued for {$20000.00} with another payee such as a mortgage company as Chase wants, where would I deposit this check? Is this not the most basic of services a banking institution should provide? I am attaching the settlement agreement with the insurance company and my written communication with XXXX as well as the fully endorsed check for your review. I can not believe that even if this is once-in-a-life-time occurrence I do n't have a bank to deposit this check because of some internal rules of an institution with a charter approved to operate as a bank. An additional and final note, in speaking with a personal banker at Chase who was consulting over the phone with her back office manager, I was informed that if I had a Chase mortgage things would be different ... Is that so? I am being held hostage by my own bank for a simple banking transaction without a logical or reasonable explanation. The Consumer Financial Protection Bureau should not permit banks such intrusive and arbitrary internal rules which destroys the very reason why a bank exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have multiple credit cards with multiple institutions, and I 'm fairly well-versed on how they work and their terms and conditions. Presently, I 'm carrying a promotional 0 % balance on XXXX of my Chase cards, and as part of their T & C, any purchases I make on the card will accrue interest immediately with no grace period. 
I made a small purchase last Fall and immediately paid it off. Sure enough, I was charged interest, but it was a small amount and I their customer service to clarify. They agreed to refund the interest as a courtesy and instructed me to make payments on any purchases immediately to avoid future interest. 
I used this particular card again in XXXX since it 's a hotel credit card and you get extra benefits with the hotel when you use their card. My charges totaled {$30.00} which I paid back to Chase four days after the charge posted. I was charged {$0.00} in interest on that month 's statement, and then an additional {$0.00} in interest the following statement, even though I made the minimum payment AND a payment for the total of my charges ( only {$30.00} ). On my next statement, the card 's {$49.00} annual fee posted, and I was charged another {$0.00} in related interest charges from my single transaction two months prior as well as interest on the annual fee. I did n't think you could accrue interest on bank-imposed fees, but Chase apparently does. 
When I contacted Chase the first time it happened, the representative I spoke with could n't provide me an answer as to why this is their policy. Let me clarify further, it 's not that he could n't give me an answer, he had absolutely no response when I questioned Chase 's motives as to why they 're discouraging their customers from continuing to use the card in the event they carry a promotional balance. 
When I contacted Chase this time via online messaging, all I received was a regurgitation of what already happened with no actual explanation as to how the interest is charged and why it keeps growing exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I Bank with Chase I have banked with them for over 15years. Every few months they hold transactions and charge insufficient fund fees. I have mobile banking so im am constantly looking at my account. Ihave some payments that come directly out of my account so I know what time and when they will be drafted. I also have direct deposit. So I know when the bills should be drafted. After speaking with a rude customer rep. They informed me that you only get XXXX reversals a year and I had reached my limit. After having this same issue early in the year.. JP Morgan Chase like every other Bank are taking advantage of customers. It showed on my end that my drafts had cleared, Then on the next day I get insuffcient fund fees. No one has hundreds of dollars to give to large banks that are ripping people off. If I was writing bad checks then I deserve it. But im a poor working class woman, and the XXXX gentleman that I spoke with could careless, their main concern was putting money back in to the banks pockets. This is a scam they do every month to everyone. When you have to account for every dollar you know how much goes out and what comes in. JP Morgan Chase needs to be investigated for over charging and illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Money Management International, Inc.
State: WA

Complaint narrative:
We went through a HARP program that insisted as part of the process we sign up with a finical counseling agency to help consolidate and lower interest rates on credit cards. We did so and paid a monthly fee and they did not pay the money to the credit card accounts as promised. They deducted the money on time but did not pay the creditors on time and we were forced to pay it ourselves and our credit went from XXXX to XXXX in a matter of months. They repeated told us that it was the creditors fault that they were the ones that changed the process. We have paid all but one on our own but this should not have occurred. The company has never attempted to make good or even contact us again. This was a forced issue by the bank. CCCS was their name, based out of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Several years ago we submitted a request for a loan modification to JP Morgan Chase. At first we tried on our own but go no where so we retained an attorney to assist us. The problem is that while we ( and the the law firm that was assisting us ) submitted EVERY piece of documentation that was requested of us in a timely manner and evidently they sat on someone 's desk or somewhere in the JP Morgan Chase office and not done anything with. Then they turn around and deny the request stating that they did not receive the requested documents in a timely manner. AND they also accuse me of lying, when I told them that I was making the temporary payments that were set with for us ( which is documented ) I called them in and after making several payments I tried to call one of the consecutive monthly payments in and the representative that I spoke with said that she could not accept the payment since the loan was under modification review. Wth?, That is why we had temporary payments set up. I provided them with the name of the person that I spoke to and the telephone number that I called but they will not even research that. 
I am so over them accusing me of lying and the fact that all they do is claim that the foreclosure on our home was legit and by the guidelines. Well, it really was n't when we did everything that was requested in order to save our home. 
They also sent mailers on a regular basis stating how they wanted to help us " save our home '' but did nothing to help and ended up leaving me homeless. 
They offer no resolution for their lack of doing anything to honor our request when we did EVERYTHING that was requested of us and in a timely manner. If they were never going to help us ( as they evidently knew they would n't ) they should have just let us know that there was not a chance of obtaining a modification. 
Since then they have sold our home to someone else after the erroneous, inconsiderate and unjustifiable foreclosure. I have reported this numerous times and will continue to do so until a satisfactory resolution us offered to us. We have nothing left to lose since they made me homeless so I will continue until something is done about this. They are a money grubbing XXXX company that screws people over that are trying to save their home and should have to answer for their horrible customer service and lack of investigation of reported claims rather than accuse me of lying about what I am reporting. 
All we want is an offer of a satisfactory resolution. It will continue to be reported and I will not stop until one is offered and accepted!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: NV

Complaint narrative:
When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was working with my credit card issuer ( Chase Bank ) to ensure funds from my payment account ( XXXX XXXX XXXX ) had cleared when they had already showed as cleared via my available XXXX XXXX XXXX funds. Chase proceeded to initiate a phone call XXXX XXXX XXXX XXXX to my other account XXXX XXXX XXXX XXXX XXXX while I was on the phone and the Chase Payment supervisor proceeded to hear all of my relevant balance / account / personal information from the system as well as via the Customer Service Rep from the XXXX XXXX XXXX. This in effect made me feel extremely uncomfortable because in effect, my financial privacy had been invaded intentionally by the Chase payments supervisor. I have also realized today that there has been another " hold '' on my payment to Chase bank for my Chase Freedom Unlimited credit card and they 've informed me that I 'd have to initiate the same process as described before on the next upcoming business day, again, violating my financial privacy. This is an unacceptable practice and I do n't feel that this is a legal course of actions on Chase 's part just to release a hold on a payment I 've made to them via another banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In 2009 we had lost our business and were with out jobs we had XXXX large cc bill with chase bank at that time they would settle for short money but we did not have any money for over 2 yrs we have pd the {$480.00} a month we recently called to see if we could settle and finally get this behind us we were told that the only settlement we could get would put a negative mark on our credit which we have worked hard to get it to a moderate XXXX when the credit cards were active they charged us 28 % interest rate we feel they have gotten there money over and over know they see we can pay and they do not want to work with us to settle for a lesser amount they had told us when we signed up they want to work with us but i see refusing to give us an appropriate pay off figure with the threat of harming our credit after it took us several years to get where we are to today is unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a XXXX Mitsubishi Montero XX/XX/XXXX. It was financed through West Lake Financial XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I found out XX/XX/XXXX that they were not reporting to the bureau. I called to correct this problem, I was told by West Lake staff that they did not have my social security number. I sent the necessary information, which was requested by West Lake in order for them to begin reporting. I called XX/XX/XXXX because I was informed by the credit repair company that I was working with at the time that West Lake was still not reporting, mind you I have been in good standings with them throughout the duration of my loan in attempt to rebuild my credit. So I was told to send the same information again so I did. I went to purchase a newer car last week and to my surprise West Lake is still not reporting. I called and spoke with numerous customer service reps and supervisors and this time they told me they have my information from when it was sent XX/XX/XXXX but I need to send it again via fax and call back so they could pull it and add it to my file. I was told after this they would begin posting immediately. I did as I was advised, however once I called back the story changed I began getting the run around and was advised to email it because they can not receive fax. I emailed the information needed and they still refuse to report my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX

Company response to consumer: Closed with explanation