vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
We financed our new home in XXXX 2015 with XXXX XXXX with reasonable assurance that our mortgage would n't be sold. In XXXX, JP Morgan acquired our loan and we began paying XXXX. I received notice today that XXXX XXXX Administration and Reporting will be our new servicer starting XXXX/XXXX/2015. That 's XXXX days notice and we only paid XXXX XXXX before our loan was sold. We have had bad experiences with mortgage servicers in the past who increased our mortgage payments greatly to cover escrow shortfalls through the year. It seems wrong that the owner of our mortgage can sell it every two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I contacted Chase on XXXX/XXXX/XXXX notifying them that I wished to open a billing dispute in the amount of {$280.00} for a charge that occurred on XXXX/XXXX/XXXX from XXXX XXXX. I then contacted Chase again on XXXX/XXXX/XXXX because I had not heard anything additional, except for a confirmation that they were working on my dispute ( see attached ). I did not receive an outcome to the issue until the resolution was mailed on XXXX/XXXX/XXXX. This falls significantly outside the FTC 's regulation that the dispute be resolved within XXXX billing cycles ( but not more than 90 days ) after being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In Complaint XXXX and XXXX, Chase Card services can not produce a copy of a signed original contract for Chase Card XXXX along with the original terms and agreement. The account should be deleted since they can not fully validate the account. Chase Card XXXX according to Chase was an Internet contract, where are the original terms and agreement and the e-signature. where are the histories of the accounts and when they were sold and assumed by other companies along with the term and conditions, credit card agreements?

Company response to consumer: Closed
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2016 unauthorized transactions was on my account. File complaint with claims department of chase. Call police department after getting home from work. File report with XXXX County police XXXX XXXX. Went to bank file complaint of unauthorized chargers on account. Temporary credit was given. Thought problems was resolved. On XX/XX/2016 XXXX chargers was place bank on account stating that there was no evidence of fraud. Sent more documentation to claims department, Bank refuse to credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank is re-aging their private loan charge off accounts on my XXXX credit report. The actual date of the XXXX delinquency on both Chase private loan accounts was XXXX XXXX. They are reporting that the XXXX delinquency date was XXXX XXXX in order to keep reporting their negative accounts on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Case number : XXXX I do not have any response to this case from the Chase Bank, they are ignoring me! 
I demand from them full refund for all stolen money from my accounts, plus the new robbery, plus XXXX % fee. 
If I will receive my money back, or not I will write complaint to the F.B. I. and ask them for Initiation of investigation regarding this crime. 

Employees in any bank are doing mistakes, doing problems to custumers and no one is responsibile for that and are not punished. 
One of problems which they did for me XX/XX/2014. 
I wanted to change my company name. Lady in XXXX Chase bank copied my documents and said, that I will receive new banking card with new business name for about one week. I received new card, however still was old company name on the card. 
I drove to the bank and the lady called to the people. She said, that new card I will receive within about one week. 

I received new card, but again, still was old business name on the card. She again called to the people and complained this problem. 
After about week I received new card, but this time was the new business name. 

Yes, three times I traveled to Chase bank regarding this easy thing. Will pay me bank for lost time and nerves? I heard sorry, bot who can buy something for a sorry?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I have called Chase Lien Department XXXX times over the course of 10 days. It has been an average of XXXX calls a day to get a copy of a certificate of satisfaction on a mortgage I paid in full in XXXX, I am constantly told a request has been submitted and have yet to receive a copy of the documentation. I am a XXXX employee currently XXXX and have spent XXXX dollars in phone calls with no results. The problem is an incorrect recording of the satisfaction of my mortgage in XX/XX/XXXX -- a Chase mistake. Chase claims XXXX to have sent the corrected certificate of satisfaction for recording to the county of XXXX Virginia in the XXXX 10 days, but the County has no record of receiving the XXXX mailing and according to Chase rejected the Certificate when Chase after many phone calls from me sent the Certificate of Satisfaction to the County electronically. The rejection is probably due to additional mistakes on the part of Chase. At this point I want to file a formal complaint against Chase and am seeking redress. Average phone times have been anywhere from XXXX minutes to XXXX hour. I have spent at least XXXX hours on the phone during the last 10 days. Chase is jeopardizing my ability to go to settlement on a home equity loan I have applied for with my Credit Union. In addition, I am speaking to what appears to be a call center where the ability to provide the documentation I need does not appear to exist. Frankly, I am shocked by the poor customer service by the lien research department and the numerous mistakes Chase has made. I thought this was a reputable bank. I want to note that the workers in the call center are very polite and helpful but they are not empowered to do anything to help me The problem seems to be in the lien research department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2015FROM : XXXX XXXX ( " XXXX '' ) XXXX XXXX, TX XXXX ( land at home ) E-Mail : XXXXToday I received an e-mail from an entity providing a pen name for their e-mail address of " chase ''. Their e-mail address was : " XXXXXXXXXXXX ''. The e-mail said that they had new interest rates on home loans. They provided a link for me to submit my financial data and identity information, and said that they 'd then quote a rate. Instead, however, I received phone calls and e-mails within about an hour from XXXX finance companies : XXXX, and XXXX XXXX. These companies said that they received referrals such as in my case from various entities, but seemed to imply that they did n't collaborate with organizations like the one which had sent me the aforesaid e-mail. I 've attached a copy of that message. 
I suspect that the aforesaid entity which sent me the e-mail was impersonationg the bank known as " JPMorgan Chase XXXX XXXX , XXXX '' That company usually just happens to use the brief name, " Chase '', to identify themselves, and note in that regard that they 've instructed me to make the checks which I send them for the monthly payments on my first mortgage with that institution merely to " Chase ''. 
The contacts which I received to solicit my business on home loans as a result of that suspicious-looking e-mail, and shortly after I 'd completed the link contained therein were : Loan Depot : XXXX, XXXXXXXX : XXXX, XXXX XXXX ( his e-mail address for the message he sent me : XXXXXXXXXXXX addition, I presented all this information today to XXXX XXXX XXXX XXXX XXXX for her investigation : " XXXXXXXXXXXX '' ), XXXX ( direct ) ; XXXX XXXX XXXX Office, Resolution Advocate ; XXXX, ext. XXXX. 
I have also reported this entire matter today by phone to the assistant manager, " XXXX '', at XXXX of JPMorgan Chase XXXX XXXX , XXXX 's branch offices in XXXX, Texas : XXXX ; XXXX FM XXXX XXXX, XXXX, TX XXXX ; e-mail address for the manager there, XXXX XXXX : XXXXXXXXXXXX said that she 'd refer the matter to the appropriate party ( parties ) within the corporation, but she has n't contacted me since then to indicate what she 's actually done, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an alert from Chase Bank that my account was overdrawn on XX/XX/XXXX, I then logged into my Chase Bank account and discovered that check # XXXX written on XX/XX/XXXX was altered and cashed for an amount I did not authorized. At that time, my check registrar started with the check # XXXX, so I was unable to track who I wrote the check to or where. The amount I wrote the check for was {$3.00}, and I gathered it was a tip for a service rendered. After several questions including my spouse 's active military status, Chase informed me that I would have to complete an affidavit, and return it in order to launch an investigation. Next, I visited a Chase Bank and spoke to a manager that looked into my account, commented on the alteration, informed me that a check older than 6 months should not be cashed. He also explained that my check had been " washed '' which explains several items on the check that are not in my handwriting. He assured me that my monies would be returned. XX/XX/XXXX received the form, had it notarized and faxed it back to Chase. XX/XX/XXXX received another alert that I had now incurred a {$34.00} insufficient funds charge due to this theft. I was informed by Chase agents that these fees would be returned once the investigation came to a close. XXXX-I telephoned Chase 's Customer Claims Department and was told that my claim had been approved and that {$330.00} would be deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, I checked my account, no funds. I called the Claims Department and was informed that my claim had been denied because the other bank requested a duplicate copy and since I did n't have XXXX my claim was denied. I requested a supervisor, I was connected and told the same thing. I explained the matter once again and was told the item would be reviewed once more and to call back on XX/XX/XXXX To date, I have not received a denial letter from Chase or phone call regarding this matter. Today I telephoned Customer Claims and was told my claim was denied due to my lack of a duplicate and because I wrote the check for cash. I explained that I can not produce an item I do n't have -a duplicate and I never read any literature from Chase stating that if I write a check for cash and it 's altered I as a customer would have to deal with the repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I currently have a mortage with chase and last year I did a loan modification and I had to send in documents to see if I would get approved or denied but during that time myI could not make any payments due to the fact chase mtg said that I could not tto, so while I waiting for chase to make a decision they were still reporting tomy XXXX credit report they did not make a decision until XX/XX/XXXXand started XX/XX/XXXX and did not give me a decision until XX/XX/XXXX, but Chase Mortgage was still reporting negative in the XX/XX/XXXX 9090DAYS LATE, XX/XX/XXXX 120DAYS LATE, XX/XX/XXXX 150DAYS XX/XX/XXXX XXXX LATE, XXXX XXXX LATE, XXXX XXXX LATE, XXXX ND XXXX MEANS NO DATA FOR THIS TIME PERIOD ), XXXX ND XXXX MEANS NO DATAFOR THIS TIME PERIOD ), XX/XX/XXXX WAS REPORTING OK, XX/XX/XXXXWAS REPORTING OK, I DONT THINK IT FAIR THAT I HAD TO HAVE MYCREDIT REPORTING NEGATIVE WHILE CHASE WA MAKING A DECISIONON IF THEY WERE GOING TO GIVE ME THE LOAN MODIFICATION ORNOT I DONT THINK ITS FAIR THAT I WAS NOT ABLE TO MAKE ANYPAYMENTS DUE TO THE FACT CHASE MTG SAID NOT TO AND THEYSTILL REPORTED BAD INQURIES ON MY CREDIT REPORT IF SOMETHINGIS NOT DONE I WILL CONSIDER FILING SUET AGNAIST CHASE MORTAGEI I WANT THE BAD REMARKS REMOVED FROM MY CREDIT REPORTCHASE IS NOT A GOOD BANK TO DO ANY KIND OF BUSINESS WITHI HATE THE FACT I HAVE TO DEAL WITH CHASE THIS IS A STRESS ONME AND MAKING MY CREDIT REPORT SCORE VERY LOW PLEASEHELP ME I HAVE REACHED OUT TO THEM BUT NO SUCESS AT ALL. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank continues to mislead me and lie to me and cheat me. I have had 3 mortgages with them and they told me I qualified for modifications on all 3. I have received 2 modifications. They have lost {$11000.00} that I sent them in payments in forbearance and refuse to find it. I am totaling frustrated with them and want you to help in resolving my complaint.They are now offering a mod on the final one and want me to send them payments but they have not been accountable to me for the money I have already sent them and so I have opened a savings account and placed the money there. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received an email from Chase saying I could get {$30.00} off a {$150.00} purchase at Amazon.com on Prime Day ( today ). There were some conditions - all items must be shipped and sold by Amazon.com. I spent a good hour making sure that I met all the conditions for the sale. At checkout, the promotion code did n't work. I was told by Chase to contact Amazon. Amazon told me the deal was only valid until XXXX. There was no mention of that in the email that I received. The only time limitation was that it was valid on Prime Day. Today is Prime Day. I 'd understand if it was late at night, and maybe the code was set to a different time zone. But it 's XXXX.

Company response to consumer: Closed with explanation