vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase checking customer for about 15 years. I currently have both a personal and a business account with Chase. Last year, I was induced by XXXX XXXX in the XXXX XXXX, California branch to open a Chase Private Client ( CPC ) account. It was a very " hard '' sell. XXXX XXXX told me explicitly that XXXX % of the fees associated with my business account would be waived if I became a CPC client. I signed up for the CPC accounts ( ONLY because of the promised waiver of fees ) and soon noticed that I was incurring monthly service fees as well as fees for incoming wires. I inquired on multiple occasions from both CPC bankers in my local branch in XXXX XXXX as well as bankers in other branches as to the reason for the ongoing fees. The bankers said the fees were due to the fact that my business account was not " linked '' with my personal CPC accounts. These bankers then informed me ( on multiple occasions ) that they had in fact " re-linked '' the accounts and the problem had been rectified. As a courtesy, the bankers also credited back many of the incoming wire fees stating that they were doing so because the fees were assessed in error. Nonetheless, I continue to incur fees for both monthly account maintenance as well as incoming wires. Recently, I asked XXXX XXXX to reverse several incoming wire fees and he refused. He was extremely rude and stated the wires were my problem. I would like Chase to honor the word of XXXX XXXX and waive all fees associated with my business account. I also ask that Chase discipline XXXX XXXX for making false claims to a customer in order to make a sale. 

Also, I was urged to put my savings into XXXX different JPMorgan-managed investment funds. XX/XX/2014, I was faced with a considerable tax bill for income in the accounts although I had not realized any gains or income. My private banker was completely unable to provide a satisfactory reason why I was facing a large tax bill when I had received no cash nor realized any gains. I feel like I was pressured into investment accounts that only benefit JPMorgan through fees. 

I would appreciate a response to this email. I have been a loyal Chase customer for many years and would like to remain with the bank. Please address my concerns so I can continue to bank with Chase. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To whom it may concern, On XX/XX/2016- I accepted a balance transfer offer on my Chase account ending in : xxxx for the amount of {$7000.00} with a fee of : {$140.00} On XX/XX/2016 : Chase approved my request and mailed a check to my requested party XXXX account ending in : xxxxx XXXX please see attached ) After contacting Chase on numerous occasions, I have been told it takes XXXX days to see the check post. 

On XX/XX/XXXX I contacted Chase again, and was told the check was cashed, and the check number was as follows : check number : xxxxxxxx for XXXX. 

On XX/XX/XXXX I messaged my credit union this message : I am so frustrated with Chase, as the payment to XXXX ( for the visa payoff ) has still not arrived. I just got off the phone with Chase and got a check number from them.. They state the check number is as follows. 

xxxxx in the amount of {$7000.00} Name on the check would reference me : xxxx. But the check was made out to XXXX and was to pay the visa off, and put reminder in the checking account. 

can you see if you received this check, or it got posted to someone else account, please? 


On XX/XX/XXXX My bank has informed me no check has been received by the credit union from that vendor, on that check number made out to me. 

Hello xxxx Thank you for your response. With the information you 've provided I 've performed multiple searches in our system to locate that item, but I do not see it having posted to either your or anyone else 's account. At this point it does not appear that the check made it to us. Is Chase able to cancel the check and send a new XXXX? It may be it got lost in the mail and issuing a new one may be the simplest solution for you. 

My only concern would be if Chase claims the check has already cleared an account. In that case they should be able to provide you with an image of the cleared check. Typically on it would have the account it was deposited to written on the back. If they do n't have an image available then it has n't been negotiated which would lead me to believe it definitely got lost in transit somewhere. 

If you have any more questions or concerns feel free to contact us again. 

Thank you for choosing XXXX! 

As of XXXX/XXXX/2016 : I now have a balance with my XXXX Credit Card still, and now also have a balance on my chase card ending in xxxx. I am now making XXXX Credit Card payments, and Chase just gives me the run around. I have informed Chase that the check did n't apply to my account please open an investigation to see who cash the check. They refuse to assist me, and here I am with a credit card balance, and I did n't get the benefit. 

I am now filing a complaint withe Oregon XXXX XXXX, as I am being given the run around. This balance transfer was suppose to happen in time for XXXX, but now I am out more money than thinking I was going to save. Thank you XXXX for ruining my XXXX. 

Please assist. 
Rs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my wife 's [ XXXX XXXX XXXX ] password and enter her checking account at XXXX XXXX XXXX. Chase did not notify her of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my online Chase Online bill pay to pay for a service that I purchase bi annually. The money was taken from my account and transferred to a Chase account and their check was sent and mailed to the vendor. The vendor deposited it and per Chase, the check was paid. The vendors Bank , XXXX, claims not to have received the funds even though a cancelled check was produced. Subsequently the vendor invoiced me for the service again. I asked for Chase 's assistance in resolving the dispute and it was referred to their Escalation department. They allegedly did an investigation and only told me what I already knew. The payment was supported by the XXXX cancelled check which XXXX does not recognize as valid proof. Even though they probably could have traced the payment and given me some information I could use to defend myself against the vendor, they refused. They would n't even acknowledge the conversation in writing leaving me nothing use to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I have been dealing with a dishonest loan officer at Chase Bank. WE were shopping for mortgage loans back in XXXX and we met with several lenders at that time. We knew from the beginning that we would want to close on the sale of our house and on the purchase of our new house on the same day. XXXX XXXX ( NMLS ID XXXX ) from Chase promised us that he would be able to deliver that, he even mentioned that he has done it a few times this year. With those reassurances, we lock our rate with him and started processing the loan. 

Now that the market rates for mortgages have gone up and since we are now very near the end, he is telling us that it 's not possible to close in less than 10 days after the sale of our current home. This additional 10 days will cause us to miss the lock date and we will either not be able to purchase that home or we will do so at a much higher cost. He has given us wrong information and it looks like this will end up costing us a lot. With the right advise, we would not have locked our rate through him, or perhaps we would have taken a longer lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My business bank account is with chase bank. I had to open a new account after my first account was compromised by counterfeit checks being cashed against my account. Approximately XXXX weeks into having this new account opened it was once again compromised and counterfeit checks were being cashed. I reached out to my branch and explained to the branch manager XXXX XXXX what was occurring. I was informed that alerts were being put in place so that checks presented that I did n't approve with there security feature reverse positive pay would not be cashed but that was not the case instead the counterfeit checks were being presented and cashed without my authorization. I was informed I should enroll in another security feature called positive pay which requires me to enter manually all checks that are written in my account and only those checks will be cashed. For a few days counterfeit checks were being repeatedly being cashed even with these security features in place. I contacted the fraud department and had to fill out affidavits for each occurrence of checks cashed in order to have the transaction reversed and money put back into my account. Everyday for the last XXXX weeks I have been calling the fraud department to have the money placed back into the account and is being told that the claim with my affidavit was approved but is being investigated and each day given a new date in which the money will be put back in the accounts each day I check the account and the money is sill not in the account and I 'm told it 's still under investigation. Also the security feature positive pay that is suppose to protect my account was due to be in effective as of XXXX XXXX, 2015. Each day my secretary manually inputs only checks that should be cashed. Each day we look at the account and it says service pending. After being on the phone for XXXX hours I was told it was not activated due to us inputting checks via an XXXX which is considered to be a mobile device so in turn my secretary started inputting checks via a desktop and this was suppose to activate the service within XXXX hours. XXXX hours later the same service pending shows on our account. Each day I 'm on the phone arguing for XXXX hours to secure our account because chase has no idea how to secure and protect our account. My employees are refusing to attend work because at the end of the week there checks ca n't be cashed. I 'm losing XXXX hours each day in my business due to being on the phone for countless hours with chase who can not resolve any of my issues. I receive no call backs and am being transferred numerous time to all different department so different people who have no idea how to help me or how to secure this account and protect my money for my business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 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: FL

Complaint narrative:
Appears to be the debt sold from Chase whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RGL Associates, Inc.
State: VA

Complaint narrative:
I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We have fell way behind on mortgage payments which has put us in financial stress. Dealing with Chase for several months on what we need to do to be able to get house sold. We have been assigned SEVERAL different contact people. The house is now up for Sheriff Sale. This is not what we wanted to happen. In the last two months I have talked and documented all conversations on paper, three different people. They have all given me answers that contradict each other. We have had house on market since XXXX, had only XXXX lookers. I am at my wits end. I just want what proper procedure is on Short Sales. That is what we have been approved for. Just some CORRECT answers. We have gone thru modification process. We just want to sell and get out from high payments and mortgage. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had XXXX deposit accounts with JP Morgan Chase. A Checking and Savings. Upon calling to check my account balance on XXXX XXXX, 2016, I was informed by the telephone representative that after investigation, Chase has decided to terminate our banking relationship and has closed all my accounts. When asked why, they explained that they do n't have to disclose any additional information in regards to the matter. I explained to them that my direct deposits from my employer were scheduled to hit the account the next day. She advised me that all of my cards have been deactivated and that I would have no access to any of my funds. When I asked when I could get my funds, she stated that I would receive a cashiers check in the mail, 7-10 businesses days after the close of my account. Today is XXXX XXXX, 2016. I have spoken with multiple representatives who have all told me different versions and dates associated with this matter. To resolve the confusion, I requested documentation of the the date this " investigation began, the date it was completed, the date both of my accounts were closed and the ending balance for both of those accounts. Along with documentation of the date my remaining funds were mailed out. Loss prevention and the fraud department both told me that there are no such documents available. When asked if I could receive a tracking number for the check, they explained that tracking numbers are only provided to customers with {$5000.00} or more. Everyone else is on their own. I then escalated my issues to the executive office, where I spoke with someone by the name of XXXX. He informed me that those documents do exist, but for internal use only. When I asked him where this information was located in the terms and agreements for my deposit account, he said it 's not. And if I wanted to get that information, I would have to obtain legal representation. So here I am. I have yet to receive my remaining funds in the amount of {$400.00}. I have had to pay multiple late fees for various bills, I could n't pay my sons tuition because at the time, all my funds were tied up in the account. He has now been dropped from his program. I understand that they can close my account whenever they want, but this is insane. I ca n't even get documentation to verify the numerous lies told to me. Please let me know if there is anything I can do, or if I am just at the mercy of the bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid off my Chase Credit card on XXXX 2016. I went into a branch office to pay it off. I asked the clerk if there were any outstanding charges pending. She replied, " No. '' My daughter had checked the balance of the card and she noted that I had a XXXX balance. The billing cycle ended two weeks later. The statement date ended XXXX/XXXX/2016. On this statement there was an outstanding balace of {$10.00}. I went into a branch of Chase to call Customer Service.. Customer Service said that the interest charge had not been factored in yet

Company response to consumer: Closed with monetary relief