vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank permitted a scammer company to place {$12000.00} on my credit card account. I had no knowledge of the charge amount ; I did not authorize ANYONE TO USE THIS ACCOUNT NOR DID I GIVE ANYONE THE CARD NUMBER. I am the only authorized signer on this card!. This {$12000.00} was also put on my credit card AFTER I had closed all accounts at Chase Bank!! 
I have complained about this situation in the past. Chase Bank has now charged off this amount but that has decimated my credit score and has resulted in my not being able to secure a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a traditional mortgage thru Chase. At the beginning of the mortgage, I set up a Chase pay account and made 13 payments per year. In addition to making an extra payment per year for 9 years, I also included an extra {$100.00} to {$200.00} per month to pay down the principal of the loan early. Chase acknowledges getting 13 payments from me in XX/XX/XXXX and every year prior to XX/XX/XXXX, but is reporting me as late for a payment XX/XX/XXXX. Chase is stating that regardless of what i did in the previous year, they are going to report this payment late.

Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I own a condominium in XXXX, XXXX XXXX. I had a mortgage with J P Morgan Chase that was paid off in XXXX of 2013. I just found out recently that Chase never submitted the satisfaction of mortgage with the County Register as required by NY State Law Chapter 50, Article 8, Section 275. I contacted Chase and the bank admitted the error and is now in the process of submitting the satisfaction to the County Register, approximately 2 years after it was paid off. According to the NY State law, Chase is obligated to pay me {$1500.00} as a penalty for late filing. I asked Chase to pay me the money, but the bank refused. The person I spoke to is XXXX XXXX ( XXXX, extension XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XX/XX/XXXX after filing for Chapter XXXX Bankruptcy after my business failed in XXXX XXXX XXXX was providing XXXX, I have attempted to refinance, or aplly for a better mortgage rate from Chase Home finance on my primary address. They have refused stating that I can afford to pay my mortgage based on my gross income disregarding the fact that my present mortgage interest rate is 8.83 %. They have refused me over and over again because they say my credit report has red flag, and my gross income does not qualify me for an adjusted mortgage. The only solution they have offered is skipping a month of mortgage payments which is ridiculous because my income they are using is not based on my occupation but on my tax returns which are filed jointly with my wife who is not on the mortgage nor does she contribute to it. The most recent denial occurred on XX/XX/XXXX. I 'm requesting that Chase immediately lower my mortgage rate and should reimburse me {$30000.00} for financial damages since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase is illegally re-aging a paid and settled charge off. I have received a XXXX and paid this debt in settlement. The debt is outdated and should have been removed from my credit bureau but it appears on my credit bureau as it has been illegally re-aged. 
They have also added the account more than once on my credit bureau 's stating it is unpaid and it has a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC
State: GA

Complaint narrative:
During 2013, I was leasing to own a vehicle with Mark One Financial and one time I was late between 30-59 days. I was paying on-time and up to that point and every single month afterwards I was never late. I asked while I was still under contract with them if I could have the late removed they said no. I asked again with a goodwill letter if it could be removed and again was told that the decision to be made was it would stay. It has been my only late with a vehicle and the only one listed on my credit report. If you could please assist me in getting this XXXX late removed on my credit report it would help me. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank, which holds my mortgage, requires flood insurance on my home because it is in flood zone A. I have always carried full replacement cost coverage. XXXX XXXX severely damaged the foundation in 2012 and XXXX, my carrier, denied my claim and my appeal citing " earth movement. '' The damage remains unrepaired while I try to gather funds to fix it or to sell it. Meanwhile, when the policy came due, I discussed coverage with my broker who confirmed that any subsequent claim for the damaged portion of the house would be denied and suggested I insure the undamaged portion of the house, which I did. Chase insists I continue to carry what they consider full replacement cost, however, and has now force-placed a so-called gap policy which I refuse to pay. Out of curiosity I called XXXX other insurance company representatives and inquired about switching my coverage. Each said they consider the property uninsurable. I have no idea where Chase got this coverage but it is surely overinsurance on this damaged property. I sent Chase damage documentation and a statement from XXXX, and they still insist I pay for the gap policy. I ca n't be the only homeowner in this position. For my own and others ' sakes I want Chase to rescind the policy and stop requiring overinsurance in the wake of storm damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I notified XXXX XXXX that I was revoking their authorization to charge my debit card. On this same day I notified Chase that I had revoked the rights of XXXX XXXX to charge my card. I was told that all I had to do was replace my current card. Which I had done on XXXX XXXX, 2016 due to the card not being read anymore by card readers. I did what I was supposed to do but then on XXXX XXXX, 2016 XXXX XXXX charged my card {$160.00}. Dispite the fact that I was told this could n't happen it did. I called immediately and filed a dispute and was told that I do n't have any grounds because it was my obligation to pay. However it is not the banks job to tell me what my obligation was. This is a matter for civil court and if XXXX XXXX wants the money that is we 're this should be. Chase should not be involved. When I called XXXX I notified them that the line was being recorded so I have this all on recording. On XXXX XXXX, 2016 when I spoke with the supervisor at Chase I notified him that this line was being recorded and he stated he did n't agree but never asked me to disconnect the line. During this conversation I asked for the supervisors manager to call me back. She did at XXXX on XXXX XXXX, 2016. I argued with her and was told that XXXX XXXX pays XXXX money to allow this type of transaction to occur. I notified her that XXXX is not my bank and Chase was and I did not give any authorization to this illegal and immoral activity. Either Chase permanently refunds this money or they are comitting fraud along with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to track the person who cashed a check from my Chase Bank account. The person 's bank account number or bank information is NOT on the check. Chase Bank refuses to open a fraud investigation with the bank where the check was presented, They are engaging in fraud and negligence. Instead of them reading these complaints, they have auto-replies. They have not replied with the information needed to determine who cashed the check. They simply are reading the name on the FRONT of the check, not the back. Well, these complaints will keep coming until they open a fraud investigation. I went into Chase bank and requested them to open an investigation. I was told to open a police report. My response was I ca n't open a police investigation until I know who cashed the check. I contacted XXXX and was told that the numbers on the back of the cleared check DO NOT BELONG TO AN ACCOUNT WITH THEM, Chase Bank is grossly negligent and unprofessional. These complaints will NOT cease until they open an investigation with the bank where the check was cashed because Chase Bank is responsible for knowing who they give money to from customers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed by a person offering work as a private driver, the person sent me a check for my name, I deposited in my account and the next day was the money in my checking account. I withdraw the cash the next day having deposited the check, and made a cash deposit money gram. 6 days after I check my bank account and I get $ XXXX. I check and he says the check was returned. I went to the bank to see what has happened and the only thing they told me is that the check was fake. The problem is that my bank charge me a fake check which they should have checked before giving money, because if the bank checks before the check is false and sees none of this would have happened.I help me see that I can do with the bank. What steps to take. Since I made the police report and I nummero report. Prompt response and hope to have the urgency I run out of money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
CREDIT REPORTING COMPLAINT AGAISNT CHASE In 2011 we found ourselves buried under a mound of debt and enlisted the services of a debt consolidator. All of our debts were amicably settled accept one, Chase Account # XXXX. 
We did not find out until recently it had not been settled. Chase had sent us a XXXX which we thought closed the account. What we found was that while we received the XXXX Chase continued to show the debt was open and had monthly payments due. We also found that two offers had been made to the third party representing Chase to settle the account but the offers had been refused. All this came up because I needed a loan to replace my heat pump and had no credit. 

I contacted Chase 's customer service and was told the " XXXX was issued as a courtesy to the IRS to inform them Chase was no longer attempting to collect the debt and they still considered it open ''. As I read the XXXX it clearly states " Summary of Form XXXX Cancellation of Debt '', not this is provided as a courtesy to the IRS but is really still open and due. Further Line XXXX says " Amount of debt discharged ''. How can this mean it is still open and due. I contacted Chase 's customer service once again and was given the same story even when I pointed out the XXXX reported the discharged amount as income to me and made it eligible for a tax write-off for Chase. 

At this point I requested to speak to a supervisor. The gentleman was pleasant and understanding but said there was nothing he could do. He offered to have his manager contact me if I would like and I accepted the offer. Late one Saturday afternoon a couple of weeks later I got a call from XXXX who identified himself as the manager, gave me his full name and employee number ( which I did not write down ). After a pleasant conversation he agreed I had a reasonable complaint and checked with his system which showed our debt had in fact been closed. Nothing was open and nothing was due. Yet he could not get this removed from our credit history as it was the responsibility of another group. 

I had reason shortly after this to visit the IRS and while I was there asked about the meaning of the XXXX. I was told it did in fact mean the debt had been discharged and if Chase refused may want to consider contacting the FDIC ( who 's phone number he gave me ). I did and they directed me to you, the Consumer Financial Protection Bureau. The only reason I can see for Chase to refuse to remove this ex-obligation from the credit report is pure and simple spite. By issuing the XXXX they have reported the discharged debt to the IRS as income to me and have provided themselves with a tax write-off if they choose. There seems to be no reason for this to continue to show up as an open debt on the credit report. Am I missing something? 
A copy of the XXXX is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: NJ

Complaint narrative:
On Saturday, XXXX XXXX, 2015 I went to Chase Bank to cash check that wriitten and from Chase I show proper ID and they request me and other to pay {$8.00} to cash their own check. When I ask the tell and the bank respresentative they said do have this in written they tell customer this without legal statement to explain the fee nor is it posted in the bank Please investigate Chase Banks product and services and ensure the bank is working according to United States Federal Bankng Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.

Company response to consumer: Closed with explanation