vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase is the only party listed that continues to act like there is n't a problem here. Everyone else is at least trying to help. Therefore Chase is the only one getting an FTC complaint this week. I am throwing in HUD for good measure : Complaint reads as follows : I bought a house using Chase Bank as the lender. Chase chose XXXX XXXX to be the title company. 
Prior to the my purchasing the home the parcel upon which it sits was divided. It used to be XXXX large parcel with XXXX houses. The large parcel was divided into XXXX smaller parcels prior to the sale. 

XXXX parcel has my house- this is the only parcel I own. My " rear neighbors '' own the other XXXX parcels. 
Chase, with the help of XXXX XXXX, made some huge mistakes in the closing paperwork and recording the deeds. It turns out, the deeds were n't done by the time I closed and I never agreed to anything they are submitting as my closing paperwork. We do not have a valid contract. 

For added entertainment XXXX of the XXXX selling parties and I have the same last name. XXXX. No relation and no one looked at first names. My mail will never be the same ... : ' ( I do know my SSN # was attached to the sellers name and I am concerned Chase may have " reinvented '' my identity with this move. 
All of the small details are really complicated and over my head. I have kept detailed notes, a running journal, and all of my records/letters. There are so many documents I am going to hold off on sending until I have a rep, otherwise it will be very confusing for everyone. I have some experience : ) The end result is that I was, and am, being charged a lot of money for taxes on land I do n't own. Chase knows I do n't own this land. I went through the process with the XXXX AG 's, and we fixed it, but they recently " unfixed '' it. 

I just opened my new XXXX AG complaint, but I need more help. 

They have destroyed my credit, are continuing to report, and they are n't even sure how much I owe them each month ... and we do not have a valid contract. 

They have also taken to sending collectors to my home to harass me on the weekends at times my children are present. They have left me in a state of total financial and emotional devastation and are continuing to ignore me. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I really hope this is n't a waste of your time. 

I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My husband and I purchased a Jeep Wrangler XX/XX/XXXX with a auto loan from Chase Auto Finance. Due to the extreme financial times my husband and I filed for Bankruptcy XX/XX/XXXX. Our attorney requested several time a reaffirmation agreement from Chase but never received it, they said the mailed it and faxed it. When the bankruptcy was finalize there was not a reaffirmation agreement from Chase. We have made all our payments and received a letter from Chase saying that the loan was satisfied. Recently I was trying to clean up my credit reports and there were several items that were discharged in the filing which I spoke to and they notified the credit bureaus and the credit report was cleared. Chase had a note to the credit bureaus that there was a debt to Chase but it was closed. We asked them to remove this as it its considered a negative statement and affects my credit score. Chase refused to remove it even though they were paid in full. Though out the loan period Chase has been awful to work with as they never sent us any notice when the monthly payment was due since the beginning of the loan even though I requested it almost every month. 
Their position was that the loan was discharged in the bankruptcy filing because there was no reaffirmation agreement with them so they are under no obligation to accommodate us or notify the credit agencies that the comment should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 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:
I sold a home and the buyers financing bank did not close escrow on the date anticipated. Escrow was 60 days and I have the buyers pre-approval letter, for my property, from the bank dated 64 days before anticipated closing. This cost me approximately 15 days of extra interest I had to pay on my mortgage loan. This cost me {$850.00}. 
I have contacted the bank as well as my real estate agent. There " official '' response was per real estate agent, they are declining reimbursement request, their reason is because I am not their customer and thus not a party to their transaction. They offer absolutely no responsibility for delays they caused and will not directly respond to me in writing other than the phone call that my real estate agent received with this information. 
I would like to pursue reimbursement of 15 days of interest. Thank you for any help. I am also not really sure what category to place this in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My father has a home equity line of credit ( mortgage ) with Chase Bank. He was XXXX years old when he got 30 year mortgage on his home with interest only payments for 10 years, then after 10 years the monthly payment tripled when this man, who is XXXX now, and ca n't afford to pay, but they gave him the loan based on that he could pay for the first 10 years. They are happy to foreclose as they have already gotten {$50000.00} in interest and they can sell the house and get more than he owes. They will not do a loan modification, refused to accept XXXX from XXXX, which could help a lot!, but they speak very patronizingly on the phone in a fake sweet voice like they really want to help. They only want to help themselves. They sent me to the FHH program, then refuse to take the money offered. He can not borrow any longer on this line of credit- the available credit is " XXXX '' clearly on every statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Received a 30 day notice from Chase Bank that they were closing my account. The letter did not state a reason why and neither anybody at the XXXX number Chase provided in their later or a branch manager ( I was told by the contact at the XXXX+ to talk to a branch manager ). 
I recently sold my house and paid off my mortgage and home equity loan to Chase. Now I know there is no early pay-off penalty but to me this feels like what Chase is doing. 
I am worried that whatever prompted Chase to take this action is going to prevent me from getting a replacement bank. 
Has anyone gone through this experience

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a college account with chase and ever since I have had the account my experience has been horrible! My account has been stolen more then twice! even In a whole different state ( XXXX ). I went to XXXX for a few months over the XXXX and only used my travel account, When I came back I found out my account was hacked yet again. Someone has completely stolen my identity and chase is letting it happen! logging into my online banking and even more! I 'm extremely upset with chase. They have credited the money back to my account and waited a few weeks to tell me that they now have to take it back! what kind of mess is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a Chase customer since they grandfathered me in from Bank one. When I first became a customer they started charging me XXXX insufficient funds fee only once I went overdrawn. Then as years passed by they all of a sudden started charging me a fee not only for being overdrawn but for every transaction made unlike before. Then when the banking industry went through the bailout issues and received government inspections and audits and were found to be negligent on these accounts and were made by the us government to refund all bogus fees as such that were applied to every customer and they also they began once again to charge only XXXX fee when an account goes negative and not for every trAnsaction. On my account. Now that the Obama administration is coming to a close, chase has once again resorted to their old money hustling antics to charge a {$34.00} dollar per transaction fee as well as the initial overdraft fee. My how easy we do forget. So I went into the bank and discussed the matter with a teller who asked when do you get paid and I replied " on the XXXX when my social security check goes through ''. He looked at me perturbed because I am not a senior citizen and said. " Social security, why? " I then stated Because I retired early '' but as I think on it, I feel ashamed because I have a XXXX but did not want to tell him but none the less it was not his business anyway. He proceeded to say " you will be charged only another XXXX dollars for and extended overdrawn account because the third is more than five days away so it 'll just come out of your check ''. And there is nothing I can do for you '' that 's it that 's all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I implore you to look into the unfair business practices and illegal marketing practices Amazon uses to draw customers in and that CHASE derives benefits in throwing them into a high interest rate card. I was shopping for XXXX gifts and as I went to check out, Amazon offered me a 0 % 12 month interest free promotional option, I clicked on it, answered a few questions and the proceeded to check out. Received a credit card a few weeks later that had AMAZON on the front, and Chase on the back. I did not think anything of it until I realized that I had been paying 19.49 % interest the entire time on the entire amount including what I purchased through the promotional offer. There was nothing in this entire process that led me to think I would be getting an interest rate at all ; and no way would I have applied for a 19.49 % interest rate. No one from CHASE can supply me with a screen shot of my application, there was no discussion of not getting the promotional offer and nothing to let me know of this bait and switch ( offering one interest rate but throwing you into another ) practice. Chase will not supply me with their record retention or consumer grievances policies as those are considered " proprietary ''. Chase said that Amazon has many cards and so when people think they are getting the promotional offer that is only if they get the " amazon shop card '' given the card they sent me says Amazon on the front of it, this is also a deceptive practice. No where in this short promotional opportunity process was there any discussion of this. amazon sucks you in, Chase benefits by throwing you into a high interest card. One Chase representative said that this was not the first he had heard of this problem.

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

Complaint narrative:
This is a follow up complaint to a previous claim ( # XXXX ). My mortgage was discharged in a bankruptcy XX/XX/XXXX. Since XX/XX/XXXX I have been trying to sell or transfer title of my cooperative apartment. I vacated the premises in XX/XX/XXXX and was refused an apartment because Chase was still reporting to the credit bureaus. I submitted title transfer paperwork XX/XX/XXXX for a Deed in Lieu of Foreclosure ( DIL ), and due to multiple unnecessary delays by Chase bank, third party inspectors, appraisers, Fannie Mae, and the bank 's attorney, I had to start the application process over from scratch XX/XX/XXXX. I have encountered several continued hiccups in the meantime, finally leading to the DIL application getting re-approved in the Fall. However, since XX/XX/XXXX I have been prepping for a closing by submitting monthly cooperative maintenance payoff letters and regularly following up with my assigned DIL negotiator. No progress has been made on my file since XX/XX/XXXX. 
I recently received a letter in the mail stating that the mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. Under separate cover that same day I received a mortgage assistance application from Chase. When I spoke to my DIL negotiator about these XXXX pieces of mail, and asked whether I 'd have to start the DIL process over again, she said she " did n't know, but I might have to ''. Why am I potentially starting the process over again? why does n't she know? and why does the new assignee not have a record of this mortgage being discharged? I subsequently received another loan assistance application from Chase stating that my mortgage is now more than 30 days past due. It was discharged in XX/XX/XXXX. At this rate, they will start reporting to the credit agencies again. Chase does not seem to have clue about how to handle my account, and they do not have any intrabank protocols or quality assurance practices in place to make sure that they are informed about the status of their mortgages before reaching out to borrowers. 
I need to know from the CFPB what protections, options, and alternatives I have to get this matter finalized after 2.5 years. Chase has entered into a new relationship with an assignee that could further damage my credit since they still think that my mortgage is active. The only open matter at this time is a transfer of title, not collection of a debt, which the new entity does not seem to be aware of. Once they become aware, they may have a completely different process for closing this aged file, and accepting title to the apartment. Do they even have the authority to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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:
I 'm being charged for XXXX ATM withdrawals for which funds were not received. Each transaction was for XXXX for a total of XXXX USD. Chase back credited me for that amount on XX/XX/XXXX the date of the attempted withdrawal. No receipt was given to me at ATM. On XXXX/XXXX/XXXX they took back the XXXX credit and on XXXX/XXXX/XXXX tomorrow they are taking the other XXXX back also as per their investigation. This happen at XXXX XXXX XXXX XXXX, they gave me the information on the owners of the ATM '' s XXXX XXXX. They told me that they ca n't do nothing until a count is done at the end of the week. I reported it to security trying to get film footage of me to prove that I did not receive funds, they refused because I was n't robbed. Come to find out the has happen before with a Chase Bank customer before so I felt that I would not be ripped off, how wrong I was. The Claim number with Chase Bank is XXXX, Card ending XXXX, account ending XXXX. That casino has camera footage and it will show I did NOT receive funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a few Chase credit card account 's with my wife, however, there is an individual past due Chase account listed on my credit report, as an individual account. I have never had an individual account with Chase. I have asked for copies of documents, to no avail. This is not my account, however, I keep receiving communication from XXXX after that have been told, this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase rejects customer payments claiming that they should not be made more often than every 3 days. While that may work for more financially secure, Chase makes credit unobtainable for working class people by preventing multiple payments as occurs when one pays the minimum by the due date and then seeks to pay more before the end of cycle but can not. Chase claims US federal anti-moneylaundering laws require this but does not cite the laws. This is a scam. The US does not prevent people from making payments, Chase poorly managed AML software prevents payments. Chase uses AML efforts as a pretext to incur fees and damage credit of those who manage their money wisely by making multiple credit card payments in a billing cycle. Chase conceals the payment prevention program and causes cardholders to take time away from working our regular jobs to working for Chase trying to figure out how to make a payment. Chase thus damages the credit and limits opportunities for cardholders in addition to making cardholders vulnerable to fees because of the payment prevention program justified by anti-money laundering.

Company response to consumer: Closed with explanation