vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account was never resolved after disputing several charges from a rental car service. My account was closed even after speaking with a banker at Chase Bank. I then obtained a XXXX Money Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My XXXX son XXXX figured out my XXXX password and in XXXX days made {$2700.00} in-app purchases on his iPad without my permission and billed to my Chase credit card. I attempted to dispute these charges as unauthorized with Chase, a customer representative told me that in order for them to recognize the charges as unauthorized I would have to BRING CHARGES AGAINST MY XXXX SON. This is outrageous. According to the Truth in Lending Act, I am only responsible for {$50.00} of unauthorized purchases. I am also unhappy about their failure to decline purchases and contact me concerning them, when it is quite obvious that this was aberrant purchasing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was just looking over my bank statement for a mortgage and found the following issues. With all the rules on banks you would think this one is a simple one to adhere to! I 've had this mortgage for a long time and I think it used to show this, but now it does not. 
1 ) The amount of interest charge for the period. It shows the amount applied but it is impossible to discover if that covers the mortgage since there is no indication of the interested accrued for that period. 
2 ) All three columns indicating Interest due, Full Principle due, and full principle and interest are blank, or show XXXX. 
It is clear from the attached statement under option XXXX that you may not be making enough of a payment to cover your interest however there is no place on the form that indicates what that payment should be. 
Is n't it a requirement to show what one is actually paying and or required to pay to cover the mortgage. 
BTW this is Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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:
Chase changed my email and mailing address information for my checking, saving, and credit card accounts without my authorization, without verifying my credentials, without my knowledge, or without notifying me. I have never lived at or been associated in anyway with the address Chase changed it to. Upon learning about the error, I corrected my contact information online and over the phone with a customer service representative. About ten business days later, I received mail from Chase informing me XXXX address change notifications have been sent to my incorrect and correct address. I called Chase customer service immediately for resolution. I learned their standard address change process includes XXXX automated mail notifications sent to the incorrect and correct address, their system takes 30 days to update the corrected information, and mail can continue to be sent to the incorrect address for up to 90 days. Their contact information update process is inefficient and more importantly does not protect personal/financial confidential information. Their process is a violation of information security. My personal banking information has been sent to an incorrect address without my knowledge, authorization, or notification of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I enrolled in a credit card debt payoff program with XXXX XXXX and my Chase account was settled on XXXX/XXXX/XXXX. However, starting in late XXXX I have been getting calls from a debt collector for money still owed on this account. Additionally, my Chase account is showing up as " in collections '' on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A account was open on my name,, and fraud was on my account right after,, this happen since XXXX, and I can not open other bank account on my name, due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
This company called me and demanded payment for something they could n't tell me what it was for. All they could tell me was that it was from XXXX XXXX XXXX so I called the hospital and XXXX different departments ( hospital billing dept, physician services, and XXXX ) within the hospital and each department said I did n't owe anything. I called the " debt collector '' back to try and find out if this was real or a scam because all they did was call and demand payment over the phone. I asked them all 3 times I spoke with them to please send me a bill in the mail. I 've given them my address each time and I still have n't received any written notice stating what this is for and I have no idea how to find out what I 'm paying for. I ca n't get them to work with me and I do n't want to pay something I do n't owe. I 'm NEVER late or delinquent on anything I owe!! I do n't even know what bill they are asking for!! I also called my insurance company and they have nothing on record that I owe. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am XXXX of XXXX beneficiaries on a savings account of my father 's. My father passed away in XXXX and when I inquired what was needed to collect and close the account, I was advised the death certificate. In XXXX I took the death certificate to the bank and requested the funds be distributed to the beneficiaries. This time I was told that all the beneficiaries needed to be present. I advised the representative that this was not possible as they do not live close to a branch bank and XXXX lives out of state. I was then advised that a notarized letter would be needed from each beneficiary with their name and mailing address so that the check could be mailed. On XXXX XXXX, I took the notarized letters to the bank. The representative called the legal dept. to verify if the letters were acceptable. This process took 45 minutes. I was then advised that the letters needed to have instructions included. When I asked what type of instructions, the rep replied he was n't allowed to tell me. I asked to speak to the legal dept. and that was n't allowed either. On XXXX XXXX, I contacted the branch manager to understand what was required to receive the funds and close the account. She could n't answer me and needed to contact the legal dept. and she would call me back. Five hours later she called me and stated the letters needed to include instructions on what was being requested. So again I had my brothers and sister complete notarized letters, mail to me and I took to the bank on XXXX XXXX. As of today, XXXX XXXX, the checks still have not been distributed.

Company response to consumer: Closed with explanation