vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
THIS COMPLAINT IS ABOUT VERIFYING THE PAYEE OF CHECK CHASE BANK PAID OUT. Chase Bank is being very evasive. We have already discussed the issue of whose name was written on the front of the check. THAT IS ALREADY A MOOT POINT. Chase keeps AVOIDING THE MAIN ISSUE WHICH IS WHO CASHED THE CHECK. After several months, and complaints, they now say it was cashed at XXXX and not at Chase Bank. There are XXXX XXXX, and XXXX accounts. How does Chase Bank which has a fiduciary duty to its customers, expect them to resolve these types of fraudulent issues, if they do n't verify payees. If the person took the check to XXXX, where is the XXXX account number on the check. How does Chase know it was XXXX? What is the address of the bank? How was the person verified? Stop blaming the customer for your failure to VERIFY THE PAYEE. Please provide FULL INFORMATION about who cashed the check. How does Chase know that the person whose name on the front is the signer on the back. Chase has NO VERIFICATION of who cashed the check! If people can take Chase checks to any bank without being verified, they Chase is contributing to negligence and fraud. Chase is taking the position that they do not care who cashed their customers ' check by not verifying payee. In other words, it does n't matter who the check is payable to, Chase Bank does not have a way of VERIFYING who cashed the check. If someone walked into Chase Bank with a XXXX check, does Chase check ID or verify the person or do they let anyone cash a check? Chase needs to provide PROOF of person who cashed the check, and credit my funds for {$2800.00} if you ca n't do so. It is evident that they have not even contacted XXXX, to inform them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My bank, XXXX, is having bill pay issues with Chase. Each company blames the other, with no apparent research into the issues. 

Due to these issues XXXX made identical electronic payments to my XXXX Chase accounts on XXXX/XXXX/16 & XXXX/XXXX/16. Despite these being electronic payments, wherein Chase has complete details of the transactions, XXXX XXXX at Chase has refused to refund the duplicate transactions without documentation that does not exist. XXXX has required me to provide check copies for the electronic transactions, and a statement from my bank showing the transactions, which wo n't be created until about a month from now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Filed prior complaint with CFPB case number XXXX regarding credit reporting during a unemployment forbearance received for months of XXXX, XXXX and XXXX of XXXX Credit reporting still has not been corrected as stated in their response to the complaint on XXXX/XXXX/XXXX. JP Morgan Chase stated my mortgage was reported current/paid as agreed during months of XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX credit bureaus have my mortgage reported as 30 days late for XXXX and 60 days for XXXX XXXX. Request credit reported be amended as stated in JP Morgan Chase 's response on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Leaders Financial Company
State: NJ

Complaint narrative:
I am disputing late payment entries that XXXX XXXX had put on my credit report. It states that I was XXXX-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint against Chase Mortgage. 
Reason for the complaint : Chase entered into a contract ( backed up with a commitment letter ) with me and reneged on these terms and offered a completely different package two days after missing the closing date. This ultimatum provided me no options but to accept the revised terms. 

During the 45 day period, I met all financing contingencies in my purchase agreement with the Seller, as these were cleared by Chase along the way. Additionally, I had provided everything Chase had requested and I also received a Commitment letter from Chase to provide the loan. I cleared all contingencies in the Commitment letter. Chase decided just days prior to close that I did not meet the income criteria, ( information that it had all along, a fundamental driver of any loan approval ), and instead provided me a total new loan terms. This was done after providing the commitment letter with the original loan terms. Considering this was done after having missed the original closing date, I had no choice but to accept the new terms. Chase is ethically, morally, and legally bound by its original commitment and I am hoping CFPB will assist me in holding Chase accountable. 

Further details of this complete transaction along with a time line is provided in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I book hotel reservation on XXXX. On name your price after I disputed with about the location and star level got no where so I filed a dispute with my credit card company. The next day price canceled my reservation with hotel. So I called check XXXX my reservation was cancel on XXXX/XXXX/15 for {$2900.00}. So I booked a new reservation after they cancel the first one. That also with XXXX {$3100.00} now they say I no refundable yet they cancel the hotel and keeping my money. What can I do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Question : I need to know what has changed with CHASE.COM and scheduling bill payments. Something is different recently and I do n't know if this is because a regulation changed or if CHASE just changed their programming code in order to collect more fees XXXX. 
Background : I 've been scheduling bills electronically for at least 10 years. So I get it. I know how it works. You ca n't schedule a payment to be made on a weekend day or holiday. If a payment is due on XXXX those dates, you have to pay the bill early in order for the bank to have enough time to process the payment. 
Recently, ( this has happened XXXX to me now ), CHASE has decided to move my Bill payments originally scheduled for payday Friday to the day before my paycheck is deposited into my account. Then because I did n't have the money to cover all those payments the day before, they over drafted my account, charged some fees and moved the outstanding amount from my savings as the XXXX accounts are linked. The rep on the phone stated, " This is how all bill payments work even at other banks '' and because " they do n't want my payment to be late because of the holiday. '' Needless to say, I was SO NOT HAPPY. I do n't schedule bills to go on holidays. Then charging fees on top of it - to move my money over for no reason. As soon as I got the alert about my overdraft I tried to log into my account. Something else was going on as their system was unavailable for 2 days, Thursday XXXX XXXX. I searched for a phone number on-line and called. The rep on the phone was pleasant enough and gave me a one-time refund of the fees. Fine - but what about all future holidays? Is this happening to everyone? How many fees have they collected from people who did n't realize this was happening? Is this legal? 
CHASE DOES NOT get to decide to just move my payments to another day. I decide. Do I need to close these accounts and move to another bank or is this happening at every bank that does electronic bill payments? 
I would really like to know if this is legal and what I can do to avoid this problem in the future without having to go back to printing checks and the mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to a Chase ATM to deposit my money. I made 5 separate deposits but during my second deposit of {$1000.00}, the machine took the money but printed out a receipt that said it experienced a technical difficulty. The money was never credited to my account. 

I called up the claims department and they said they will check up on it. They gave me temporary credit but after a month they reversed it, saying they could not locate the funds. I am certain the machine took the money. I asked to see security footage of the ATM but they have refused. It is a similar situation to this article which recommended this service : XXXX I went to the branch where the ATM is located and the employee there told me multiple people have been having problems with the same machine. They reopened the claim for me but I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I started going to XXXX college to take courses to qualify for XXXX in my state. Nelnet put me on automatic deferment. I have no major concerns with that, but what has really pissed me off is that I have called on multiple occasions to tell them to reinstate my automatic ACH payments. I have money to pay for my student loans and do not need nor do I want the deferment. It is now XXXX and I am seeing that my last payment was made on XXXX 2016. There is no way I can payback multiple months. But they need to reinstate my ACH payments! Why are they refusing to do this? I have a right to pay my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J R Brothers Financial, Inc.(Closed)
State: AZ

Complaint narrative:
I called JR BROTHERS FINANCE spoke to XXXX to ask what a charge a my credit report for {$130.00} was but all she can do is say it was mine and insult me. She asked me if that 's what I do for a living and hung up on me. All I want to know is that the charge is!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank NA Mortgage has illegally reported XXXX late charges on our credit bureaus severely affecting us from getting any home loans or refinancing. 

No notice was given to us, no grace period was given to us, we were not notified by certified mail, but they went ahead causing severe financial and emotional damage to us. 

Even after explaining they are not willing to understand or resolve this matter.

Company response to consumer: Closed
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase Mortgage is whom we ( husband/wife ) have our loan with since XXXX. Many times over the years they have neglected & lied to us on important issues that cost us lots of money, but now, another issue has risen that was just brought to my attention in a mortgage statement we received on XXXX XXXX, XXXX, but after communication with someone from Chase, they realized that it was them " CHASE '' that made the mistake back in XXXX XXXX in which they neglected to apply our XXXXhusband/wife ) mortgage payment accordingly and therefore appeared there was no payment, then it lead to them FALSELY REPORTING US TO THE CREDIT BUREAU 'S AS LATE IN XXXX, BUT IT WAS REALLY THEIR FAULT. I was given a case number by the Chase representative is which I will give you later. They have fallen short of their duties or their word or their temporary contracts in past, so I want to have it on record of their mistake and how are they going to make sure they fix our credit report and our credit score from last XXXX XXXX to current, which has cost us more, due to we decided not to refinance our home for a over 3 % lower interest rate in which we had already been approved for by our local bank since our credit score would have been lowered by the mistake that CHASE MORTGAGE MADE. Since Chase did not apply our XXXX XXXX pymt accordingly, they told me on XXXX XXXX that all payments since last XXXX was made late, but it really was n't. it was their lack of responsibility of putting my payment where its suppose to be, now they also need to reimburse all late payment fee 's in which they also lied to me when I questioned why it was on my statement, they said its just where they list the fee 's and that I was n't being charged, but that was a lie, cause now I know thats the fee they been charging me. Its also why I did not know they did not apply the pymt correctly. They also neglected to issue us a new contract back in like XXXX & XXXX with all the Obama stuff, and we meet all the criteria and my husband had even found a job making more than what he was making when we purchased the home. They have cost us soooooooooo much heartache, tears, blood, mental anguish, frustration and now a 3rd time of not being able to refinance our home for a lower interest rate. If us the consumer is even ONE DAY LATE ON A MORTGAGE, WE PAY THE PRICE WITH A NEGATIVE CREDIT RATING FOR THE NEXT 7 YEARS, SO WHY DO N'T THE MORTGAGE COMPANIES HAVE TO MAKE IT UP TO THE CONSUMERS? AND I DO N'T MEAN IN A CLASS ACTION LAWSUIT WHERE ONLY THE LAWYERS MAKE GOOD, ITS US THE CONSUMERS WHO LOOSE OUR MONEY WHEN MORTGAGE COMPANIES XXXX US, THEY SHOULD HAVE TO PAY US THE LOSE, AND I DO N'T MEAN WITH A {$9.00} CONSULATION PRIZE CHECK WHILE THE ATTORNEY 'S MAKE MILLIONS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was mailed a XXXX XXXX CHASE Credit Card offer in the mail. This violated my opt out submission that i placed online for 5 years. This is more than three months after requesting to be removed from the mailing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have complained about CHASE bank many times, with no avail. My realtor and I have submitted XXXX all cash others, and they have declined all of them. Even the most recent one. 
I have had it, my doctor wants to put me on XXXX, and other XXXX, I do n't want to take these drugs as I here that they make people XXXX.. Please call CHASE bank for me and tell them, that they can have the house. All that I request is a {$25000.00}. relocation allowance, and I 'll leave, it has been over 3 years, I ca n't take this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My lender, Chase sent a check for a perceived overage in my escrow account of about {$1400.00}. The escrow account went negative due to the shortage and they want nearly {$2000.00} or my payments will increase from XXXX to over XXXX dollars a month.

Company response to consumer: Closed with explanation