vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ISSUE : 1. Chase bank without authorization opened an impound/escrow account alleging that they received notice by the XXXX XXXX Tax Collector that my property taxes were delinquent AND CLAIMS TO HAVE PAID MY TAXES. ( NO SUCH NOTICE OCCURRED BY THE XXXX TAX COLLECTOR- I contacted them and confirmed a. that NEVER were taxes late b. They stated they would n't send such a notice to the LENDER if they had been and XXXX Confirmed MY checks received ON TIME/check numbers -XXXX Tax Coll AFFIRMS pmnts were made on time and in full ) 2. Chase claims to have paid my property taxes that they claim were late. 3. Ensuing mortgage bills included impound charges and late fees- I continued to pay IN FULL, as always and without exception, my regular principle and interest payment in full, on time, every month ( I DID NOT PAY THE ADDITIONAL BALANCES CHASE STATED I OWED PER THEIR ERROR ). 4. Chase now claims that my account is in deficiency, has adversely reported to Credit bureaus, and threatens foreclosure. 
FACTS INDISPUTABLE : My credit is over XXXX, perfect, flawless. I CROSS VERIFIED /CONFIRMED with my bank and with the XXXX XXXX Tax Collector the XXXX 1. my taxes were never late and PAID IN FULL ON TIME copies of checks verified XXXX. 2. XXXX Tax Coll NEVER received pmnt from Chase as claimed by chase, 3.. there is NO surplus balance reflecing on my XXXX Tax bill ( source : XXXX Tax Coll ) reflecting double pmnt 4.. XXXX has verified MY CHECKS by check number as the pmnts received cross ref w my bank- XXXX NEVER received Chase check as chase alleges. 
CURRENT STATUS : 1. I have contacted chase at least 8+ times over 8+ weeks, most calls over 1hour+ and they have NOT resolved the problem or damage to my credit and account- although they have acknowledged the mess ( only more recently ) not fixed it, nor have the corrected my billing statements- 2. I continue to pay the CORRECT amount of principle/interest monthly payment in full and on time every month. 3. I am being damaged professionally and personally because I now have adverse credit- Including IMMEDIATE urgency to purchase/rent property transaction where credit check is part of qualification - due to my credit damage to this negligence by chase and poss fraud, my life is upside down. THEY ARE HORRIBLE, HAVE NOW ADMITTED FAULT BUT STILL ARE NOT CORRECTING THE ISSUE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I 'm writing because I have an issue with Chase credit card. I recently transferred a balance from one of my high interest credit card to Chase for a low introductory 0 % rate. My goal is to set-up monthly payments so that I can pay-off the balance before the introductory period ends. However, Chase only gives the option to pay the minimum balance or payoff the balance. They do not give the option of inputting a set amount that I would like to pay on a monthly basis. The problem is the minimum balance is always " XXXX '' and I 'm clearly not in a position to totally pay off the balance ; which Chase is aware off because I would not have transferred the balance. 
I believe this is fraud, and clear intentions to not have the credit pay-off before the introductory rate being offer expires. 
Just to note, I have the option of a set amount for all of my other credit cards. This seems to be only a practice of Chase. 
Please advise.. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank has locked out the property located at XXXX XXXX XXXX, XXXX NY XXXX for several years. The property is a townhome located in the XXXX XXXX XXXX. The exterior of the property is in need of maintenance. The property conditions is far less than that of it 's attached neighbors and in the Association which is bringing the homeowner values down disparaging all owners in the Association. JP Morgan Chase does not return phone calls or written communications. The property has been vacant for several years and needs to be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have bought a property in Vermont ( XXXX XXXX XXXX, XXXX VT XXXX ) on XXXX/XXXX/XXXX for the price of {$150000.00}. The property was appraised for {$160000.00} at the time of purchase by the Guaranteed Rate the mortgage company that I borrowed from. The loan amount was {$130000.00} and since I did not put XXXX % down payment there was a PMI with my mortgage payment. The loan was later on sold to Chase bank and I have been paying my mortgage regularly and never were late or overdue. 

I have paid extra every month to bring the LTV ratio down to XXXX % so I can get ride of my PMI. MY LTV ratio since XXXX XXXX, XXXX is below XXXX %, however the chase bank is refusing to wave the PMI and insisting on me paying Chase ( {$110.00} ) to do a broker price opinion ( BPO ) of my property. I told them why should I pay them extra to the XXXX when clearly Home Owners protection act indicates that there should be automatic PMI termination : " In accordance with the Homeowners Protection Act, your lender must terminate PMI on the date your loan balance is scheduled to reach XXXX % of the original value of your home ( in other words, when your equity reaches XXXX % ), provided you are current on your mortgage payments '' My property at the time of mortgage valued more than what I borrowed from, I clearly followed the bank rules indicating that PMI should be terminated when the LTV ratio is at XXXX %, based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. 

Thank you for your attention, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was trying to get some help from my lender Chase Bank by modified the loan due to reduction in my income, instead of helping me they always harassed me and taking too much time to take decisions, they asked me to submit a application like XXXX different time, one time they offer me forbearance agreement and asked me not pay your mortgage for two months and then they withdraw the agreement and I fall behind for three months payments, On XXXX XXXX or before the escalation department representative call me and offer payment plan and ask me to pay at one month payment then I will arrange a payment plan and did one month on XXXX XXXX, 2016, when called for payment plan they harass me so badly and told you must pay total outstanding or you will lose your home because you promise to pay total amount on XXXX XXXX, 2016, I told them that I just promise to pay only one month not three month but they deny me and lie to me and almost gave me XXXX XXXX by using harassing language, please help me and impose very heavy penalty on bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband 's car " died '' on the XXXX in XXXX. He was towed off the espressway by XXXX, NY XXXX XXXX, a company authourized by XXXX to tow. On the bill, there is a {$4.00} charge under Gas/Tire/Boost, none of these services which were performed. I called XXXX and was told that it is a charge for using a credit card. I informed the man it is illegal in New York State to do that and he was surprized at that information. He is was not the owner and got nervous about his job because he did n't realize that was the law and had given me the information. I will not use his name, I do n't want him to lose his job. This business is authorized by a governmental arm of the XXXX and should be held to the law. {$4.00} may not seem like alot to get worked up over, but hypothetically, if XXXX tows a day for 300 out of 365 days a year at {$4.00} a pop on a credit card, that 's {$6000.00}! Maybe they do n't do that much business, they are still ripping off the consumer ; they chose to offer the choice of credit card as a form of payment and signed a contract with merchant services to pay the fees, NOT XXXX customers. As we have XXXX who will reimburse for the tow bill, XXXX should not have to be dunned for this amount either! I would like this business to be investigated for this. Whether or not I get this {$4.00} back, XXXX should not continue to flaunt the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Each time my account dips low in balance the bank keeps my recent transactions as pending for days even though they were debit card purchases.then if write a check to purchase an item they pay the check and mark several items as insufficient funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please refer to original complaint # XXXXXXXXBrief summary, I made final payment on HELOC on XX/XX/XXXX in the amount of {$45.00}. On XX/XX/XXXX more than 7 years later, I get a notice of a lien hold on my house in the amount of {$36.00}. So I submitted a complaint to you. 
On XX/XX/XXXX, I get a call from XXXX XXXX at XXXX xt XXXX confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated XXXX that the account was at a XXXX balance and instructions on how to pull more money out. She advised that the {$36.00} were fees when I closed my account, that the {$45.00} was interest and the reason that I was not told about the {$36.00} fee could be from the Wamu merger. She assured me that the lien would be lifted and she would send me a letter stating so. 
I got her letter dated XX/XX/XXXX advising that this communication is an attempt to collect a dept. Which is in direct conflict to what she told me on the phone the day before. 
I tried to log on to my account several times to file a dispute, however, can not log in. I called your tech support on XXXX, was able to get in and now today XXXX am locked out again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank
State: FL

Complaint narrative:
We sold a property in XXXX and transferred the money to our account here in USA. The XXXX Bank sent out the money on XXXX XXXX, 2016 via Deutsche Bank, XXXX. XXXX XXXX XXXX got the money transfer on XXXX XXXX, 2016. The money could not be traced from Deutsche Bank XXXX to Deutsche Bank New York for more than 4 weeks. During this time we lost more than XXXX in the exchange rate XXXX/Dollar. Deutsche Bank is blocking any information on where the money was for this 4 weeks. The only proof we have is the outgoing wire copy from the XXXX Bank and the arrival at XXXX XXXX XXXX. We complaint in XXXX, but Deutsche Bank said we have to go back to the XXXX Bank. But from there we have the clear proof with all correct banking details for the money transfer.And the XXXX " XXXX Deutscher Banken in XXXX '' seems to protect the Deutsche Bank also, as they do no open a case since XXXX when we sent them all documents and proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Problem Setting up Bill Pay via Chase Online - ThiS is similar to complaint but involves Chase Bank USA. Received an auto loan from XXXX XXXX XXXX XXXX. Got loan on XXXX XXXX, XXXX and the first payment is not till XXXX XXXX, XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XXXX XXXX. I called and they would not back up first payment date from XXXX XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this XXXX finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my Chase USA checking account o start an auto debit through the bill pay and Chase did not have them as a an available bill pay vendor and said they would have to send a paper check to XXXX. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX/XXXX/XXXX and lets see how long it takes to post to my account.. I am very upset with XXXX and Chase ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation