vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Property Address : XXXX XXXX XXXX XXXX XXXX CA XXXXWe made XXXX early payments:XX/XX/2014 $ XXXXXX/XX/2014 $ XXXXXX/XX/2014 $ XXXX, the money was not applied to the outstanding loan principle on the date we made the deposit. For example, the {$380000.00} on XXXX/XXXX/2014 was applied to the loan on XXXX/XXXX/2014. The XXXX and XXXX payments were applied to the loan on XXXX/XXXX/2014. 
Why the early payment could not applied to the loan on the deposit date? Does it cause us to pay extra interest due to the delay? The loan officer did not inform us of this when we applied the loan. Our previous home loan from XXXX bank applied early payment on the deposit date. 
After talking to a staff from Bank of American customer service department, I finally understood the reason why my early payment {$380000.00} on XXXX/XXXX/2014 had to wait for 4 days until XXXX/XXXX/2014 to apply to the outstanding principle balance. He told me that any early payment can not be applied to the principle until the regular payment date and it is XXXX/XXXX/2014. When we decided to choose Bank of America for our mortgage loan, the loan officer, XXXX XXXX XXXX just told us that no penalty for early payment but did not tell us about early payment has to wait the regular payment to be applied to principle. This caused us XXXX losses. 
The first XXXX is the interest that we could earn if we keep {$380000.00} in our bank account until XXXX/XXXX/2014 and that is about {$20.00}. 
The second XXXX is the extra loan interest that we paid for {$380000.00} during the 4 days from XXXX/XXXX/2014 to XXXX/XXXX/2014 and that is about {$200.00}. 
I would like Bank of America to give us XXXX credits of {$20.00} and {$200.00}. 
Bank of America reply did apologize for any inconvenience this may have caused, but refused any financial compensation that I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I took out a loan for {$260.00} and had to pay back {$700.00} in order to successfully complete the loan. now I can not stop the finance company from contacting me. Sunset finance company has made several House Calls ( meaning sending persons to my home to collect a debt ) I have been in contact with the finance company and also have made agreements to pay they still continue to call and send out workers to my home. The branch manager XXXX XXXX XXXX is very disrespectful and she also demands payments upon speaking with you. She accused me of having a additude and is also very rude to her borrowers if they can not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Investigations : XXXX Claim # : XXXX Issue # 1 ) On Tuesday, XX/XX/2017 @ XXXX EST, a 3rd party was allowed to take money from my checking account without showing ID, no debit card, no PIN #, no security questions, and no signature. Bank teller # 2 appears to have filled out the withdrawal slip with my account number, name and amount and the 3rd party seems to have written an incomplete sentence instead of providing a signature for the withdrawal. The banks ' fraud dept. did immediately put the money back in my account upon me bringing this to their attention. The branch manager said that this crime was committed by someone within my personal circle. Issue # 2 ) Upon me filing this complaint with the bank, a CSR requested my PIN #. I informed him that that 's a security breach, he should NOT have asked me for my PIN #. He said that he needed for me to input it into the phone because he was trying to help me. I went to enter it and had to instruct him NOT to look, turn his head as I was entering it ... suspect # 3. He also sent me on a wild-goose chase at a different branck. When I ultimately landed back at his branch, he stated that it was all a mis-communication. I think he 's part of a fraud ring at that branch. Issue # 3 ) The branch manager told me that it was someone close to me in my inner-circle. When I asked her how she knew, she went silent ... suspect # 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Leaders Financial Company
State: NJ

Complaint narrative:
I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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 have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I contacted Chase Bank to re-finance my recently modified mortgage. Loan officer was fully aware of the date loan modification, and should have known prior to my application that it would be declined due to company policy. Now my credit rating is again reduced due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I contacted your service center to learn how I might re-instate my expired miles. I was told that I could pay {$500.00} OR I could apply for a Chase XXXX Mileage credit card and if I was approved for a credit card I could enroll in the Knowledge Plus Challenge and would be credited with {$500.00} that would be applied to reinstate my miles. Since XXXX " noticed '' me at the beginning of that call that it would be recorded, I also recorded the call. I have a copy of that call that I can forward at your request. I applied and received immediate approval for the credit card. When I attempted to enroll today in the program I was told that there was no {$500.00} credit I would receive but I would be charged {$500.00} to reinstate the miles. Why would I go through the hassle of applying for the credit card if I was not going to receive the {$500.00} credit? This appears to be a classic bait and switch by XXXX XXXX and Chase. Noted below is the email response from XXXX XXXX : Dear XXXX XXXX, We 're sorry for the confusion and the inconvenience this may have caused you. 

There are few options to reinstating your expired miles : Buy back - You can buy back your miles. The cost will be depending on the amount of miles that expired. For your XXXX expired miles, this will cost {$500.00} to reinstate it back. 
Register and fly - Register for {$500.00} and then complete qualifying round-trip travel on XXXX or XXXX XXXX. You must register within 18 months of your mileage expiration date, and complete travel within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles can be reinstated with this option. 
Register and use a MileagePlus ( R ) Visa credit card - Register for {$500.00} and then use a new or existing MileagePlus Visa credit card to make a purchase. You must register within 18 months of your mileage expiration date, and use your card within 90 days of registration. The registration fee is non-refundable and a maximum of XXXX miles may be reinstated with this option. 
The agent might have not explain further the terms and conditions for this offer. 

Since we are unable to waived the registration fee via the MileagePlus Service Center, please contact our Customer care at XXXX. 

Whenever possible, we try to accommodate our customers ' requests and are sorry that we can not do so in this instance. We value your business and look forward to serving you in the future. 


Regards, XXXX XXXX XXXX MileagePlus ( R ) Service Center

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Cardmember Services XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX To whom ever ; I am a XXXX veteran and I am very upset with the practices of your bank. 
XX/XX/XXXX I was in a branch in XXXX XXXX and a bank individual mentioned to me that they had a credit card that you could transfer my balance into that card with a 15 month no interest offer. I told that individual at that time that the only way I would be interested in doing anything was, with the stipulation that they would transfer the balance on my other card.. That was the bait ... The switch came when they only transferred less than {$2000.00} ... which was not what I agreed upon. This has now caused my credit rating to drop almost XXXX points. 
At this point I am left with no other option to seek an appeal on your part before I file a small claims court action for the grief and the bait and switch tactics used plus damages to my credit, and before I cancel both my accounts. As I have already closed the credit card immediately after I received it.. 
In short, I would like you to expunge the credit card application from my records and notify the proper credit reporting agency that the report you supplied was due to your error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote to XXXX and XXXX of XXXX Chase regarding a dispute that was denied. I received a call from XXXX and she advised me that the call was being recorded. I asked XXXX to hold while I set up my recording apparatus and she told me that I was not allowed to record the conversation, which I then terminated. I wrote to XXXX to complain about this and XXXX wrote back that essentially that is JPMorgan Chase 's policy. So, they can record me but I can not record them. That is the nub of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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 charged me {$34.00} NSF fees for a {$10.00} charge. i do not recall signing an agreement which states such. XXXX were supposed to use another card I had until I could figure out if the charges were valid. the debit card should have been suspended when I called in XX/XX/XXXX. the customer service rep in XXXX may not have understood what i was saying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband passed away in 2005 and since that time, Chase Bank has been taking the mortgage payment out of my account but will not give me the credit for it. I have paid the mortgage down over {$330000.00} and asked Chase Bank to PLEASE put my social security number on the loan and submit it to the credit reporting agencies but they will not do it for me. They sent me a letter saying that " you 're not financially responsible for this loan '' but yet they continue to take the payment out of my account but will not help me by submitting this information to the credit reporting agencies so that I can improve my credit rating, which is poor due to the fact that I have a mentally ill child and got into trouble with my credit cards, which resulted in a poor credit rating. I asked Chase Bank to please put my social security number on this loan, took the death certificate in FIVE times and they will not help me. The home would sell for at least XXXX and I owe {$63000.00} on it, have paid them over {$330000.00}. If this were on my credit report, it would help me tremendously. I am a widow and on a fixed income. I need this credit. Why cant I get it???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
we took a title loan from wilshire consumer credit, I cant even tell you the exact date because I still have not recieved my loan documents, but it was in XXXX XXXX never recieved my loan papers have asked many times. i have made my payments on time every month and then they sent me a bill saying im 79 days late and my car is going to be repoed. when I make the payment my pay off balance keeps getting bigger. how can they people do this, they were fined in XX/XX/XXXX for the same stuff, and now there doing the same fraud practices again. this place needs to be shut down. i make my payments to these criminals and they rip me off more. please help me before they illegally repo my car. qnd they lost my pink slip to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone walked into a Chase bank branch, impersonated me and withdrew {$2000.00} from one of my accounts without an ATM card or PIN. Chase froze my account ( I 'm told it will be frozen for 30 days and that I may be reimbursed ) and is restricting access to my funds for that period as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently had several experiences with my XXXX XXXX Visa card, which explicitly says and is marketed as having no foreign transaction fees, that indicate something like a foreign transaction fee is being charged. What is actually happening is that Chase Bank and Visa ( and XXXX XXXX XXXX are complicit in allowing XXXX to mark up exchange rates so that the rate applied to a purchase in a foreign currency, when exchanged into dollars, is about 2.5 % higher than the rate that would be used if actual market-based exchange rates, published daily from, say, the XXXX XXXX XXXX, were applied. In my case, Chase Bank says they just go by what Visa uses and thereby allow Visa to mark up exchange rates by about 2.5 %, in my experience. In doing this, Chase and XXXX perpetrate the misleading, nay bait and switch, marketing they use to encourage people to get their " no foreign transaction fee '' credit cards ; indeed, the 2.5 % markup, though not billed as a foreign transaction fee, merely substitutes for such a fee because this extra 2.5 % should not be charged at all. Card holders are not unreasonable to assume, and Chase and Visa do not transparently disabuse us that, we will be receiving a market-based exchange rate ( with no additional markup ). In trying to talk with Chase ( who talks to Visa while XXXX sits idly by ), there is no way to get this situation corrected. Moreover, this hidden foreign exchange fee is in direct oppositon to a related class action suit that the credit card companies lost and paid dearly for several years ago. Finally, I ca n't believe I am the only person experiencing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.

Company response to consumer: Closed with explanation