vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have contacted XXXX and XXXX many times to dispute this Chase account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I did not apply for chase Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today, XXXX/XXXX/2016, I went to Chase Bank Branch XXXX in XXXX, Texas to make a deposit on behalf of my employer into THEIR account. The deposits consisted of XXXX check, {$200.00} in cash and {$.00} in cash. 

I was asked to supply MY ID for the cash deposits. I 'm sorry, this is not MY personal business account, this is my employer 's business account that I am doing the daily deposits to on THEIR behalf. 

I am not and should not be placed in a position of being responsible for the veracity of the cash submitted for deposit. I am simply depositing funds from the previous day 's transactions. 

My understanding is that the US Government requires identification to be provided for transactions exceeding {$10000.00} to combat money laundering. However, this was not a transaction to or from MY accounts, nor was it in excess of that dollar amount threshold requiring identification. Myself and my employees at my location should NOT be forced to provide identification that is logged in connection with our employer 's account, EVER. This is a ridiculous policy on it 's face and invasive overall. 

Should the money be flagged as having an issue ( counterfeit, used in something clandestine, etc ), an employee making a deposit on behalf of their employer should NEVER be tied to that account in any way, shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank refused to participate in the HARP program, which would have provided me a mortgage reduction that would have changed my property from its current negative status to one with equity. The alternative they offered prevents me from borrowing any money on my home or participating in a reverse mortgage program. They reduced it on this end, but they are holding me hostage through a balloon payment due in the future. The original mortgage was XXXX. They are reducing it by XXXX per year over a three year period. However, there is a XXXX balloon payment that will bring the mortgage back up to over XXXX which is all the house is worth. They postponed the debt ; they did n't erase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX, 2017 my attorney in XXXX XXXX wired me {$16000.00} USD from his account at XXXX XXXX XXXX XXXX XXXX to our XXXX account using Chase Bank as the transfer agent bank. As of today, XXXX XXXX, 2017, the funds have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At XXXX XXXX XXXX my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged XXXX insufficient fund fees ( XXXX X XXXX ) = {$64.00} for an overdraw of ( XXXX ) {$140.00}. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before XXXX the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given XXXX reasons : 1 ) i had used my XXXX courtesy fee reversals, 2 ) The funds needed to be in the account on XXXX XXXX. It was unfortunate for me a XXXX party failed to contractually deposit funds on XXXX XXXX ANd CHASE fails to care whether XXXX of the XXXX reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these XXXX charges as my pending charges when i checked the status of my account at XXXX. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging XXXX Dollars for covering XXXX Dollars for less than XXXX hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their XXXX XXXX XXXX this is about ethics and the spirit of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX sent a refund from a subscriber savings account ( SSA ) to me in my name but to my ex-wife 's address, with whom I hadn ; t lived in 11/2 years. My ex-wife, XXXX, put her account number in the endorsement section on the back of the check with the notation, " For deposit.only. '' We do have a son, but he is XXXX y/o and his name is XXXX. He may be on her account. This was XX/XX/2016 ; though I have talked to Chase Bank officers, they have not taken any action to correct their mistake and satisfy my complaint. I have filed a forgery complaint with XXXX police. No response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My XXXX is XXXX years old and has been XXXX. Her income is used to pay for XXXX services and she can no longer pay the credit card payments on her Chase account. I forwarded Chase documentation to verify that I have power of attorney over my aunt. I have asked them to contact me regarding the payments and they refuse. I tried to work out a payment plan and they refuse to discuss it with me. My aunt lives on a XXXX and most of her income pays for XXXX services. 
Chase representatives harass my aunt on a daily basis via constant phone calls and XXXX mail. I live in XXXX and oversee my aunt 's bills, etc. 
Please advise if there is anything the consumer financial protection can do to alleviate constant harassment by Chase. I am afraid for my aunts well being. 
Chase is trying to force her to pay and she does not have the income to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
After checking my credit report, I see a listing from XXXXCHASE. I disputed the claim.This is not my account and never was. I then sent a verification and validation to chase about the loan. I got no response. I then recently disputed it again with XXXX It came back updated with a new last reported date of XXXX. It says the last payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Placed a stop payment on a merchant. The stop payment did not stop the transaction and I understand it is not guaranteed. I then requested to dispute because it was unauthorized, the representative refused. The representative continue to communicate that it is not guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXXSSN : XXXXThis is in regards to a Chase Credit/Bank Account. The last payment on the account was XXXX/XXXX/2009. The account went delinquent and was charged off. XXXX XXXX XXXX, XXXX filed a Civil Suit and won a default judgement of {$1900.00}. During a debtors examination I agreed to pay {$1500.00} in XXXX installments. At this time, I told the lawyer performing the debtors exam that the statute of limitations had expired on the debt and he said, " that is neither here, nor there ... you owe the judgement that was awarded, but I will accept your {$1500.00} and that will be that ''. While on the CFPB website, I discovered that Chase Bank was not supposed to be collecting on my account - or so it seems given the time frame. Not only had the statute of limitations expired, but according to CFPB Consent Order File No. XXXX - Chase was not supposed to be collecting on this at all. Chase will not verify whether or not my account was included in this consent order, the lawyer for XXXX XXXX XXXX, XXXX did not believe me, and my own state 's attorney general 's office just told me to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX it was my last possession that I had of my card. My card was in my wallet and my boyfriend had lost my wallet, he told me about it too late. An unknown person was making a transaction from XX/XX/XXXX to XX/XX/XXXX. I called my bank which is chase, I told them all the info and that I did n't do none of those transaction on those days. They did the investigation. Now they telling I owe them just because the checks and everything its in my area now I 'm being charged {$3500.00} when I did n't even have that much money in my account to begin with in the first place. I did n't autorize none of this and the bank wo n't hear me out because they said that all the transactions were made around my area. That amount of money was n't in my account. Why am I paying for something that someone else did and I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX/XXXX/2013 my wife and I closed a short sale on a condo mortgaged by Chase Bank. Until that time we had faithfully made our mortgage payments including the final payment made on XXXX/XXXX/2013. Recently I changed auto insurance, and was informed that I did not qualify for their lower premium because of a Derogatory late payment status date XXXX. 
Description : '' A payment status of 30 days late ( or worse ) was reported 2 years and 1 month ago. ( This excludes accounts for which the payment history was not reported. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Currently I have a mortgage account with Chase Bank, and I have inbond account due to loan modification. While ago, I received the escrow account analysis indicates that I have shortage of escrow account. I made XXXX scheduled payments on XX/XX/XXXX and XX/XX/XXXX with amount of {$460.00} and {$460.00} to pay off the shortage of {$920.00} before XX/XX/XXXX since my new payment will start on date. The first installment payment cleared to my bank on XX/XX/XXXX, and second payment did not clear via my personal checking account as today ( XX/XX/XXXX ). I called to Mortgage Customer service hotline to speak with the representative, after talked to him about 28 minutes, he asked me to follow up with my own bank to find out why the payment did not post, I told him it did not make a sense at all since it was scheduled on chase.com and electronically fund withdraw, how did my bank know about this transaction? I asked for his supervisor, after 15 minutes wait, finally got XXXX, Senior Account Specialist to assist me, and she called online support specialist, XXXX to handle over my inquiry, 10 minutes passed, XXXX told me that she was unable to resolve the issue, and transferred my call to another online support staff while she introduced herself and me. The online support staff immediately handled my call to another online support and the last staff I started to discuss then she started to ask me XXXX security questions to be able to identify the who I am, I was transferred from one representative to other representative, and the last security question asking for " from initial opening Mortgage account with Chase XX/XX/XXXX, how much the payment you have made on XXXX mortgage payment with following XXXX options .... '' I told her that I can not remember 10 years ago mortgage payment since I have been changed so many times. If you would ask me how much monthly payment I made last two years, I can tell right away, but 10 years, who had that good memory, and I provided answer to None of above. After I answered that she said based on my answers, she was unable to provide any information regards to the outstanding payment, I asked for speaking to her manager, and I was placed on hold again, and I looked up my phone display it was XXXX minutes passed. I hanged up the phone, and the issue has not resolved by almost 1 hour phone with XXXX transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In recasting my mortgage with Chase, they sent me instructions, which I followed to the " T ''. this was supposed to make the adjustment to our mortgage by the XXXX XXXX, 2016 payment. I provided them with a check for XXXX the minimum amount and 7 days before their deadline. Chase then misplaced my request and did not send the paperwork required by them. BY the time I called this to their attention, they sent the paperwork about a month late, and therefore, the recast did not take place until the XXXX, 2016 payment date. I am requesting a refund of the extra {$730.00} in interest their negligence cost me. They have continued to deny my dispute and dismissed it without notifying me.

Company response to consumer: Closed with explanation