vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
This is a follow-up to Case XXXX. Chase Bank cancelled the account at issue there and issued us new cards with a new number. However they are now interrogating merchants who received payment before the old card was cancelled.I have received calls from my dentist, pottery studio, exercise studio, and beauty salon all informing me that Visa has asked them for numerous documents and charge slips from payments which I made. The beauty salon said Visa told them that I had challenged a charge. That is not true. At no time were we ( my husband and me ) contacted about any of this. When I called Visa they said the cancelled card was being investigated for fraud and someone would call me back within 48 hours. I received no call. The person who we previously spoke to at Chase assured us that this was their mistake, could offer no explanation as to why the merchants I deal with are being harassed, and said there was nothing he could do about the situation.I am quite upset that people I do business with are being harassed over my account, particularly because there is no fraud involved here, rather, as explained in the previous complaint, the cancellation was due to Chase mistakenly cancelling our card allegedly because someone with the same name as my husband asked that it be cancelled - anexplanation which we find dubious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Attention Executive Office : I 've yet to receive a resolution to the issue previously submitted for an ACH withdrawal in the amount of {$140.00} which was transferred from my XXXX XXXX XXXX account to my Son 's Chase checking account. I have included proof of the transaction as well as my attempt to resolve this with my financial institution. The original case number is XXXX. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am working with Chase on an FHA short sale that has been delayed due to Chase not complying with HUD and FHA short sale rules. Chase is not providing the needed items to HUD for the approval to proceed with the short sale request. I have escalated this issue with Chase internally with no resolution and have also escalated this to HUD. 
Chase needs to comply with HUD 's " pre-foreclosure sale '' procedures - we have an active buyer who is going to terminate if we do n't have any results in the next week or XXXX. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
CHASE BANK HAS CRAMMED XXXX INSUFFICIENT CHARGES TO MY CHECKING ACCOUNT. CHASE HAS SCAMMED MANY OTHER PEOPLE. I WROTE A LETTER AND WILL MAIL IT TO YOU THIS WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My husband was issued an Amazon.com rewards visa from Chase bank that he had not requested. They would not give us any info on how the fraud was committed and were extremely reluctant to cancel the card. First I tried to call to cancel, but they said it had to be done by my husband. When he called, they refused to cancel it. They said it was now " under review '' and they would call him back later. First, why would n't they cancel it, second, if they wanted to conduct a review first, why could n't they tell me then ask for his info to call back to finalize. They wasted my husband 's time ( 25 min to get that answer ) and wo n't act on cancelling a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My federal student loans were discharged due to XXXX. My application was submitted to department of education in XXXX of XXXX but not processed/approved until XXXX XXXX XXXX. I just became aware today XXXX XXXX XXXX that Nelnet said I did not respond to their request for information during the 3 year monitoring period so they reinstated my loans ( in XXXX ) and they are now in default. I have been continuously receiving XXXX benefits without interruption. I never recived the notifications from NELNET and I was understanding they had access to my XXXX benefit income. I never had income anywhere close to the federal poverty level. My health has declined more. They had my email but I have never received any notification of the loans being reinstated.I have been so ill I have not been doing anything and have help taking care of me. 
Nelnet are now saying I have to go the the whole process again? but they can verify through SSA records that I have continued to be XXXX without interruption. This period far exceeds the 5-7 years they are wanting to see a form XXXX? 
I absolutely was not notified of this action. 
Due to my long standing XXXX and my XXXX being in effect continuously for a period far exceeding 5 years I am requesting they reinstate my XXXX discharge effective as it was originally ( or effective XXXX XXXX when my Dr certified me. I wish for them to remove derogatory reporting of default loans. I was permanently XXXX be the SSA prior to that. The department of education/nelnet is now supposed to contact persons who are showing as TPD to notify them of their right for relief. Even though my loans have been reinstated and put in default I have not been contacted.I had no idea. Many other also have experienced a similar situation and not been notified. 
I never imagined there was a problem because I knew the dept of education was able to see my SSA information and my XXXX and I have continued in permanent disabilty prior to and since the XXXX application with no interruption and I have not exceeded the federal poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a 20 year mortgage refinance from Chase bank. I have excellent credit, and a 15 year work history as a prosecutor, in house counsel, and sole-practioner. The original mortgage has never had a late payment. The underwriting process dragged out for months even after I supplied all necessary documents, and I was eventually denied credit by Chase. The appraisal for the property came back {$380000.00} and the amount of the loan was to be {$200000.00}. I have never had a late payment on any account including the current mortgage for the last 10 years. I am damaged because the underwriting process took far too long ( well past 30 days for the decision ) and interest rates have now gone up. Additionally, there is a credit inquiry on my credit report from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been getting the run around with JP Morgan Chase bank on a home loan modification. The program ends at the end of the month and from Chase 's lack of action they are trying to run out the clock. Lost documents, documents not received, and they had my wrong number. There have been several folks working on my modification. The main person handling my concern had the wrong number to reach me at. Chase does not allow these representatives to email and this ends up wasting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
my father recently passed, I contacted Chase, his mortgage holder to advise them of his passing and I wanted to discuss possibly short selling. I offered his death certificate and our estate affidavit so they could discuss his loan with me, I was told not to send that but rather they said they would not discuss anything with me until I signed a PROPERTY TRANSFER RECOGNITION AGREEMENT, which makes me responsible for his debt, they will not discuss anything with me until I agree to assume his debt. I have attached a copy of the XXXX pages they sent me, of note is starting on page XXXX

Company response to consumer: Closed with explanation