vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2014, I booked flights with XXXX XXXX for XXXX people to XXXX XXXX and also bought show tickets. It was all under a XXXX vacation promotion with Chase Bank. I decided to purchase the Travel Protection Coverage in case of an emergency. Turns out I had to cancel the trip so I called Chase Bank around XXXX XXXX to cancel the trip and get reimbursed for the show tickets and flight. I would get all I paid back except the " protection fee. '' The Chase rep was very nice and said she would take care of it. I got a refund for the show tickets on XXXX XXXX, but not for the flight. No one called me or let me know that the Chase policy is to call XXXX a couple of times and if they do not answer then they stop trying. I was changing jobs and did not notice the {$1000.00} was not credited to my account. Months went by and I happened to check my balance and it had not been paid off with my monthly payments. My fees should only have been about {$200.00}. I called Chase Bank and the rep confirmed I had not been credited a refund but that I had to fill out a claim form and show " proof '' of the transaction even though they had the proof. I filled out the form, signed and returned it with my current phone number. A week or so later I get the same claim form to fill out again. I called Chase again and was told someone tried to call me but I did not answer so they closed the case. They called the number in their system and not the number I provided on their form. I get disconnected and had to call back. A different rep said it was true I had not received a credit and he called XXXX. XXXX did not answer so the rep said there was nothing he could do and I had to fill out another form. I was switched to a supervisor XXXX who was very lecturing and annoyed and told me nothing could be done until I filled out another claim form and told me I needed to provide a lot more information than was on their form. She said if they dropped the ball in not contacting XXXX I still had to pay because it took me too long to " notice '' due to their XXXX day policy. XXXX was only interested in getting me off the phone and not resolving the problem. The Protection service does not work. Their claim system is broken and they do n't care. The policies are for the convenience of Chase Bank and not the customer. They go through the motions of talking to customers and being courteous but leave the customer holding the bag. There is no way to tell how many customers have been overbilled due to their so called " protection benefit '' and when they call in, they are made to jump through so many hoops, they either give up or are not helped so Chase keeps their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I went to Chase Bank at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to cash my security deposit check from my landlord XXXX, ( corporate name is XXXX ) that was made payable to me. When I gave my XXXX types of ID and my check the bank refused to cash same because on their client 's account it was indicated that a person could not cash same. I was furious because when they want my money they want money orders and yet when I receive my security deposit I ca n't even cash it. I had to take the check and direct deposit it to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I " had '' a Chase checking account in XXXX of 2016. My Chase debit card was stolen and used and there were unauthorized purchases made all over the nation within less than a month. There were over XXXX transactions done in a matter of a few days.Once i attempted to notify chase that this happened they proceeded to file a claim, i notified them that i am in the XXXX and am soon to be XXXX and would not have access to check the status while away. The representative was then assuring me that i need not worry and that they have a fraud department that handles these types of situations and if anything i will receive a " provisional '' credit within XXXX to two business days. I submitted the claim and 30 minutes later received an email saying my claim was denied. i rushed to call to find out why and the representative notified me that there was a single transaction ( out of the XXXX transactions ) that was not filed in the claim and proceeded to end the dispute at that point. I then notified her supervisor that the missed transaction was not my fault and was a simple mistake of the previous representative due to a large amount of transactions within the week, and i clearly stated from a certain date until the present date were fraud so she understood and refiled the claim but notified me that because of the previous denial it would be more likely to be denied again but she included the transaction that were missed and put notation on the claim of the error. the following day i received an email stating that it was denied again, i then called to question and was told it was because of the first denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My wife and I refinanced a single family residential rental with Chase Bank XX/XX/2015, with the first payment having a due date XX/XX/XXXX. On,or around XX/XX/XXXX I received a telephone call at work from an individual representing Chase Bank telling me that my payment was over due and demanding specifics as to when the payment would be made. I informed the gentleman that although the payment was due XXXX, that it was not delinquent until XXXX and I would be making the payment prior to that date. We had a considerable discussion during which I informed the gentleman that I was self-employed and my cash flow was such that I could not promise payment on any certain date, but it would be paid prior XXXX. This did not satisfy he gentleman and I finally told him that I would make it by the following Friday. Once again XX/XX/XXXX I received a similar telephone call at work and had a similar discussion. XX/XX/XXXX I again received a telephone call, this time at home in the evening, from a young lady representing Chase and we had the whole conversation again.

Each time I was told that the loan was due XXXX and that if I did not make the payment prior XXXX I would receive a "courtesy reminder call". This is nothing courteous about these calls, the callers are not rude, but are so relentless that they verge on threatening. I spoke to the loan officer at the Chase Bank where we arranged the loan and was told that he had never heard of this type of behavior.  All of my payments have been timely and I do not intend that they will ever be made on a date late enough to allow the bank to charge me a late charge. I consider the repeated, unnecessary telephone calls at work and at home in the evening to be nothing but unjustified harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A fraudulent charge was made to our credit card. Once we noticed the charge, we canceled the card, notified the credit card company ( Chase ) of the problem and filed a police report with our local police department. We sent in requested documentation to the credit card company, including a response when they provided additional documentation they received from the vendor ( XXXX ) where the purchase had been made. We got a letter back stating that since we did not respond, they determined that the charges were valid. At that point, we called back, said that we HAD responded and that the charges were NOT valid and resent the faxed documents. Heard nothing. Called back a month or so later to see what the status was and they said that they had closed the inquiry again. We said we still contested the charges and wanted them to follow up. They still have not responded. It feels like they are just trying to make it difficult enough dealing with them that we give up and just accept the charges. It 's been over a year since we started the contestation process and it is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Listing account as open, charged off by original debtor Washington Mutual, last, last payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.

Company response to consumer: Closed with explanation