vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX appraisal fee not refunded after closing failed on refinance attempt in XXXX of 2015.chase bank XXXX XXXX XXXX XXXX Zip codeXXXX.The appraisal fee shoud have been incorporated in closing cost ... .but commission broker too money and not responding to numerous voicemails and emails.His manager has done the same after the branch manager emailed him to contact me.possible pocket of funds due to thinking I am not entitled to appraisal fee refund.NO appraisal fee was warranted at time to refinance.They are playing dodge ball ... .thinking I will give up ... ... .please help me ... thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
First, I would like to make a complaint against Chase mortgage, My wife of 21 years just passed away XX/XX/XXXX. The mortgage was in her name only this was because XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. Was unable to work for most the that year. then passed away. I have tried three time to make and assumption of said loan and Chase has denied said assumption, Stating XXXX derogatory records? XXXX length of time since acct delinquent? XXXX delinquent accounts, XXXX length of time accts have been established? but yet I have a XXXX credit score.. I thing this is discrimination of the first kind..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On morning of XXXX/XXXX/2015, I woke up to having my account overdraft XXXX times with the bank maximizing overdrafts fees. I called the customer service center to find out why the bank charged my account the higher transaction first. The customer service rep was rude and starting yelling at me, the bank does not stack transactions, the its policy to pay off the higher one first. I asked for senior specialist, the lady told me the same thing, bank pays off the higher transaction first. at the point i requested a manager. I explain to him by paying off the higher item first, chase was re-ordering transactions to clear the highest item first is not considered a neutral, chase was maximize overdraft fees is in direct conflict with FDIC. I told him the XXXX previous rep told me that same thing, bank pays off the higher item first. He tried explaining in a different way after i told him he was conflict with FDIC. The rep told me it was in favor for the bank to pay off the higher item first. I thanked for his time and ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have contacted Chase bank on an unauthorized withdraw from my bank card debit from XXXX XXXX on XXXX/XXXX/2015 for {$240.00} while it was still in-process. It went into full account a day later after telling Chase that it was not authorized. It has now been 9 days and still there is no credit to my account for this item. It clearly is in dispute. I need my funds to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Had a XXXX lien on my XXXX home XX/XX/XXXX, been removed mo. ago, In XX/XX/XXXX Chase started taking monies I guess from my escrow acct totaling to date $ XXXX litagation fees. XX/XX/XXXX was told after {$540.00} taken NO more would be taken. Local bank again on XX/XX/XXXX made a call was told they would get back in 3 days, Nothing yet as of XX/XX/XXXX. Never received any notification, what charges would be, where they were getting , what happened w/case, my mort went up {$100.00} a mo, so they could take more $ from me w/no explanation. Plus do n't they already have lawyers on staff..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
ON XXXX XXXX XXXX WESTLAKE FINANCIAL REPOSSESSED MY XXXX TOYOTA CAMRY. I WAS ONLY ONE PAYMENT BEHIND OF {$350.00}. MY WALLET ALONG WITH MY BANK CARDS, LICENSE, CASH, CLOTHES AND OTHER PERSONAL ITEMS WAS I N THE VEHICLE. THEY ( WLF ) TOLD ME THAT I HAD TO PAY {$50.00} TO RETRIEVE MY VALUABLES. I HAVE TRIED TO TALK TO THESE RUDE AND UNPROFESSIONAL REPRESENTATIVES TO RESOLVE THIS MATTER. THE LAST PAYMENT I MADE WAS ON XXXX XXXX XXXX. PRIOR TO THAT IT WAS XXXX XXXX XXXX. I SPOKE WITH AN REPRESENTATIVE ON XXXX XXXX XXXX. I WAS INFORMING THIS COMPANY OF NEW EMPLOYMENT AND TRIED TO EXPLAIN THAT I HAD A WAITING PERIOD BEFORE I GET PAID. WHICH I GET PAID MONTHLY. I ALSO INFORMED THE REP THAT I CA N'T RECIEVE CALLS ON THE JOB. AND THE REP SAID WE CLOSE AT XXXX AND I TOLD HIM THAT I GET OFF AT XXXX. HE SAID THAT THEY WILL BE CLOSED WHEN I GET OFF. THE REP. SEEMED NOT TO CARE ABOUT THE SMALL LITTLE HARDSHIP I WAS GOING THROUGH STATING ITS NOT THEIR PROBLEM. I WAS INFORMED TODAY BY A REP THAT I CALLED THEM BUT THE CALL WAS NOT MONITORED OR RECORDED. ON XX/XX/XXXX I TOLD THE REP THAT I GET PAID XXXX XXXX XXXX WHICH I WOULD MAKE A DOUBLE PAYMENT {$700.00} THAT WILL MAKE CURRENT. AND HE SAID HE WILL CALL ME AT XXXX. WELL XXXX XXXX MY CAR WAS REPOSSESSED AND HE DID CALL ME ON XXXX XXXX FOR THE PAYMENT. THEY WOULD N'T TAKE THE PAYMENT OF {$700.00} AND DEMANDED ME TO PAY {$1100.00}. 
WESTLAKE STATED THAT WHEN THEY REPOSSESSED MY CAR, THAT I CA N'T MAKE PAYMENTS VIA DEBIT CARD, AND THAT I NEEDED TO FAX A COPY OF ID, XXXX REFERENCES AND SOMETHING WITH MY ADDRESS SINCE I DONT HAVE ANY BILLS EXCEPT THIS IN ORDER TO RECIEVE MY CAR. FROM MY UNDERSTANDING THEY HAVE DECIDED TO TAKE MY CAR HUNDREDS OF MILES AWAY AND AUCTION IT OFF TO GET THE MONEY THAT IS OWED ( XXXX ). WITH THAT SAID, THEY ARE MAKING IT VERY IMPOSSIBLE TO OBTAIN MY VEHICLE. ITS VERY HARD FOR ME GETTING TO WORK, TAKING MY SICK WIFE TO THE DOCTOR, DROPPING MY KIDS OFF AT SCHOOL. PLEASE HELP ME RESOLVE THIS MATTER. I HAVE ENCLOSED A BANK STATEMENT FOR XXXX XXXX. ANY OTHER DOCUMENTS NEEDED CAN PROVIDE. THE CONTRACT IS IN THE CAR. SORRY FOR ANY INCONVENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In 2012 I re-financed my mortgage FROM Chase to XXXX XXXX. That ENDED my relationship with Chase, which was bad for me them having used a sub-prime interest rate when rates were XXXX and I paid for eight years with exceptional credit. I used the streamline FHA re-fi program and had to go elsewhere because Chase kept trying to find ways to jack up fees that were not allowed, or were unethical, and in some cases outright misleading. 
So, I did re-fi and thus Chase had no reason to keep private information on me. 
A few months ago I applied for an Amazon credit card and did receive it. I did NOT know they used Chase but nevertheless, I decided to keep the card. 
NOW I am trying to set up an ONLINE set up so I can pay ONLINE and access my credit card account -- charges, credits past statements etc. But I CAN NOT SET THIS UP BECAUSE MUCH to my dismay, Chase has kept private information from my mortgage and 1 ) it has the wrong old not used phone number and 2 ) an ancient email. So Chase needs to send a " code '' to either a text, email or phone to confirm your account. Despite them having my account number, and all NEW UPDATED phone numbers and emails, THEY HAVE ONLY THE OLD phone number and email and there is no way to change or update it. 
I called twice, spoke to XXXX people, and NOBODY I talked to was able to CLEAR OUT the old information. I told them I was very displeased they would have the nerve to keep my private information. Then, they ca n't seem to get rid of it. 
Then the second man transferred me to someone in the department which is supposed to be able to do this and THAT man said there is a " tool '' he uses but that " tool '' is n't available to him now to be able to clear out or update information. 
OH PLEASE. 
Chase also uses stupid, ancient things like, what is your mother 's maiden name -- identifiers I have LONG AGO LONG AGO stopped using because these are so common and too many people know my mother 's maiden name. 
This is overall a problem with these banks who think they can just keep all sorts of information on people despite nobody doing business with them. Ever since I re-financed and have a much much better mortgage company, I have not contacted Chase for anything. No reason to keep my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Begining around XXXX, XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness, he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years, this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now, their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However, his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX, XXXX, he paid the credit card off and removed his user id. We were then able to remove his email completely and for a few weeks everything seemed find. Now all of a sudden he is getting promotion emails from Chase documenting my credit card ending in XXXX. His name/id/social was never connected to this card. I feel Chase has been violating mine and my mother 's privacy and Chase will not give me an answer as to why this is continuing to happen or why after three years this became an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had lost my source of income approximately a year ago due to unforeseen circumstances. I made one last mortgage payment and started working XXXX jobs not too long after this happened. With the XXXX jobs combined my income was not enough to pay for the home and the regular bills. Approximately 2 to 3 months ago I was receiving income comparable to before. I started working with the bank to try and receive assistance but as time went on the amount owed kept growing and it came to a point to where they wanted me to pay three times the amount of my mortgage payment. Realistically it 's not possible because that will take away majority of my income for the month. I am currently trying to work with them again to help me out with some different options but the person who is assigned to my case for whatever reason is not ever available. Now they 're requesting for me to fill out another packet which will delay this process longer and will increase the amount that I owe instead of having me starting to make payments which I can afford. I explained that I could afford two times the amount of my regular mortgage payment and enough income to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to know what involvement JP Morgan has with my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In late XXXX, 2015 several pieces of mail containing checks were stolen from a mailbox in front of a post office. XXXX check were written on a Chase bank account. Of these checks, XXXX were fraudulently cashed by the thieves and copies of these checks were also then washed and forged with unknown payees and cashed again resulting in XXXX frauds on each of these XXXX checks. The third check was cashed by an unauthorized party even though the payee wasnt altered. A police report was filed and Chase was notified of the thefts early in XXXX, 2015 and the account was closed. 
Several trips were made to the bank in the six months since the frauds took place and Chase has given credit for XXXX of the XXXX checks in dispute but Chase has failed to issue credit for the XXXX remaining frauds citing still pending review. 
I believe six months is more than adequate time for a review to have taken place and they have cited a lack of personnel in their reviewing department as a reason for the delay. I believe since they are responsible for the delay, the funds should be credited to my account in the interim. 
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We are trying to resolve an issue with Chase and we are unable to reach them for a discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My bank closed my account due to the fraudulent claim activity that I reported to them was too many in a specified time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe, I can not get my triple rewards points toward another hotel stay, and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point, it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX, not to mention a potential XXXX night ( {$300.00} ) with the XXXX earned for adding my fiance as an authorized user. Plus my plans are now changed because of not being able to book the hotel room at the price that was advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Caller calls every single day XXXX to XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.

Company response to consumer: Closed with explanation