vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/XXXX/15, I completed the terms of a settlement agreement offered by chase on my account ending in XXXX, but it was never appropriately reported to the credit reporting agencies. When I made my payment of {$730.00} to settle the account I was informed that chase will report my settlement to the credit reporting agencies reflecting a XXXX balance due. However, my credit reports are still noting a balance of {$970.00} even after I called all 3 credit reporting agencies to dispute account/presented the proper documentation and also called and spoke with a representative of chase to report the issue but I informed it was going to take more time to get resolved. This issue is affecting my credit scores and my ability to get credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Paid off the previous balance before due date and they still charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking account at JP Morgan Chase. I was surprised to learn that Chase does not honor the stated date on the check if presented to them for payment. Under the UCC, I should be able to give Chase notice of a postdated check and have them honor it without paying a fee. When I advised them of the postdated check, they told me they could n't accommodate my request. Help!

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

Complaint narrative:
I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My grandmother has been in the process of a loan modification for the the last 18months. 
When documents are requested and submitted the lender comes back a month later asking for more documents then says that the other documents have expired and they need to be sent again. They are sent again with more requests. Information was sent regarding the property being in a trust, then a month later they want the property taken out of the trust and put solely in my grandmothers name, by that time she was told the application had expired. Now we receive a letter stating that the loan has been acquired by a new servicer, XXXX. No mention of the the modification. I called to speak to the relationship manager and she made no mention of anything. Why are they doing this. They also refused to take payment because it was not the full payment. Chase was informed from the beginning that the rising interest rate would put us in a hardship. Now the modification is not done and the loan has been sold to another company. I tried to assume the loan 2 years ago but was denied. This is heartbreaking my grandmother is XXXX years old and this situation is taking a toll on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It is with desperation and respect that I again request from you to please review my file. I Have requested and provided financial documents to Chase various times. 
I wrote to you on XX/XX/XXXX and XX/XX/XXXX never received correspondence. I know that you are there for the consumer. I have provide over seven file and appeals to Chase to no success. I have now received from the bank attorney a " notice to occupant of pending acquisition. '' I decided to investigate and found out where I stand with Chase .My loan according to my note and mortgage is an FHA mortgage. I want to make this story short by letting you know that when I called HUd they stated that they could not help for my loan was not insured. All these years I was paying MI on my mortgage payment .Here I s the FHA case number XXXX. This file was originated as an FHA loan. 
I just received another notice that my home has a sale day of XXXX XXXX Please help, help some one is committing fraud in here .It is my understanding that Hud is there to defend the Fair Housing. I am a minority with no recourse. Please understand that this is my primary residence. and roof over my head. 
The reason for my default was due to loss of income for my wife was injured at work.I want to preserve my home please I want to settle this matter and make payments. Give me an opportunity. I am devastated. I could have began to pay my mortgage over a year ago. Chase is not giving me any other alternative than to proceed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On around XXXX XXXX, 2016 I found that my credit card was lost and reported this to Chase Bank. I contacted them via phone and by their secure message center. They advised me that the card would be shutdown. I advised them that the card had been lost during a TSA checkpoint along with our passports. We later recovered our passports, when a TSA official saw them lying on the floor of the airport. Apparently, the card was never shutdown since there were charges totaling about {$26000.00} placed after XXXX XXXX. I contacted Chase Bank to let them know that there was still activity on the credit card on XXXX XXXX and at that time they reported the activity on the account as fraud and proceeded to close my account. I have a copy of the emails sent on the secure message center and the cell phone log to Chase Bank notifying them of the lost card on XXXX XXXX, 2016. 

On XXXX XXXX, 2016 I received a call from XXXX XXXX, a fraud case worker, who stated that " fraud could not have occurred on my account because the items were delivered to my home address. '' I asked her what the address and information was on the order and she stated an incomplete address without the apartment number listed. She also provided a phone number and email address not associated with me. She went on to state that " since the authorized user on the account had previous fraud on his account, this fraud is the exact same and will be rebilled onto the account. '' I advised her that I do n't know about the details of the authorized user 's previous fraud claims. I also advised her that hold requests were in place with the USPS and XXXX mail services for our address because we were out of town ( hotel invoices were provided ). A USPS mail fraud claim was also filed on XXXX/XXXX/16 and a police report was filed XX/XX/XXXX regarding these circumstances. A ID theft affidavit is already on file with the FTC and a credit freeze has been placed onto all of my credit reports. I feel that I have taken all the necessary steps in ensuring the security of my credit card account. 

I would like Chase Bank to absolve me of these fraudulent transactions, as per their cardmember agreement, and issue an apology for all the hassle they have put me throught. I am a chase private client with an impeccable credit history. Furthermore, I personally have never had any fraud with any of my Chase Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I would like to file a complaint against Chase Mortgage due to their communication practices. My husband and I have been homeowners for XXXX years, up until the past couple of years due to unforeseen circumstances we have always had an excellent credit score. My husband lost a very good job in 2006 and it took up until this past XXXX to replace it with a job that has an equivalent salary. The problem is that during the time that he was unemployed or very underemployed our debt continued to rise. About XXXX months ago for the XXXX time ever, we got one month behind on our mortgage and it just could n't have been avoided. Now since we have a not so perfect credit score that we are working very hard to bring back up, Chase finds it necessary to call our home several times a day. Last week I told them XXXX times in the same day that the payment for the second mortgage had been made and they needed to give it time to show up in there system. Keep in mind, due to our pay schedules we have always paid our first mortgage on or close to the XXXX of each month. They are now relentlessly calling my home with " courtesy calls '' when I have told them that the payment will be made on the XXXX as our pay history shows that we do. The " courtesty or reminder '' call I can understand. I understand that I owe them approximately {$200000.00}. However, I can not understand their reasoning behind calling me several times a day, increasing our financial stress which impacts our health negatively. We have been through a lot since 2006 financially, emotionally and everything else. My credit is very important to me, but I think it is a waste of my money and every other mortgage and/or stock holders money out there for them to employ people to CALL SEVERAL TIMES A DAY AND HARASS people who were impacted very negatively by the economy and many cutbacks and are working hard to pay their bills. What they are doing is harassment and it needs to stop. I do n't need a reminder for my mortgage - I think about it daily. I hope you can do something to stop them from this distasteful practice. This makes absolutely No Sense when the account has a XXXX day grace period. When I can pay ahead, I will but I am not currently in the position to do that and do n't really need them telling me that is what I need to do. Trust me, if it would make them leave me alone, I would. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My online checking and savings accounts were hacked and nearly all funds were transferred out to external bank accounts via online bill payments within 24 hours. I was not notified of " suspicious activity '' by Chase, however I was locked out of my online account. I did call Chase, the problem was found and I did go into a Chase location and fill out all paperwork. Now Chase is holding my claim in " pending '' status and all I can get as an update is that the Claims department needs XXXX - 5 business days to process the claim. We are going on day XXXX, they should have more information to offer than " pending '' or telling me " XXXX - 5 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am currently in a Chapter XXXX bankruptcy. The Chapter XXXX Trustee has paid money to my mortgage, but the money is still sitting in a suspense account. The mortgage comapny will not allow the funds to be applied to the loan, nor will they let me make a payment to get the amount to a full payment so that it can be applied. I have about a year and a half left in my bankruptcy, so Chase will continue to earn interest off of the money I 've paid in through the bankruptcy, puls I 'll be paying extra interest on my mortgage for that entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a long-time holder of a Chase Premier Visa Signature credit card which provides Southwest Rapid Rewards based on charges made. I work out-of-town and use the card frequently. At least once a week I pay all charges, including pending charges, online. This has worked well for years. Recently when checking my credit card account online I noticed a " credit balance refund '' in the amount of {$430.00}. I called to learn what this was and was adivsed it was a refund for a payment in advance of charges hitting my account. I explained the charges were shown on the account as pending and that this had never happened before. I was further told that the refund had been made by paper check and sent to my address of record. I asked that the check be cancelled and the refund credited to the account for which there were open charges in excess of the credit amount. I further explained I was working out of state for an extended period of time. I was told this could not be done. I then asked why the refund was not made electronically since that is how all my payments are made and was told a paper check in the mail was more secure than an electronic payment. Of course, this is not true. Again, I explained that I am working out of state and do n't know when I will next be able to get the check. I was told it is good for 90 days and can then be reissued. I asked why this change in practice had been made and was told it was a requirement of Southwest Airlines. Of course this is not true ; the card is from Chase which offers the Southwest rewards as an incentive to use their card. Having gained no saisfaction by phone, I personally visited a Chase banker in the state in which i am working. He reviewed the situation and did not understand it either. He called the Chase credit card department and was told the same incorrect information as I had been. He talked to his manager and we decided to ask that Chase reissue the check and send it to me in care of the local Chase branch. Chase Visa refused to do so. The banker and I came to the conclusion this new practice had been adopted in an effort to increase interest income on accounts. Most people would not check their account and notice the stealth refund which then becomes a balance due on the account for which interest could be charged. I never carry a balance long enough to owe interest, so this is a clever way to try and cause interest to be due. The answers that checks in the mail are more secure than electronic payments and that Southwest Airlines required this banking practice are demonstrative of the deception the bank is engaged in. i am asking the CFPB to work to change this deceptive practice by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've been blacklisted with Chase for no reason. Now, when I apply for credit, I get automatically denied. I have no recourse as to how I can rectify this with them. I feel this is discrimination as I did nothing wrong. I was never late on any payments. I always paid my cards on time. I was approved for every card that was issued to me. Then one day they closed all my accounts and have blacklisted me since. There was no reason given.

Company response to consumer: Closed with explanation