vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the promotional rate of 0 % on XXXX/XXXX/15 for 21 months and there was a 2 % charge at that time for the balance transfer. Chase is stating that I signed up for a 0.99 % rate for 7 months which I have never signed up for such a short term promotion in my life. I was not paying attention to the .99 % interest they were charging but when It jumped up to 10 % I noticed. I consider this a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a result of a loss of job, we were trying to obtain a loan modification. Chase continued to deny our request. When we thought they had given us a modification, it was only a hidden second, but it only modified the loan by {$170.00}, which did not help us. We decided to try and keep the home and pay the mortgage and we recently filed for chapter XXXX and we now have to pay a trustee $ XXXX monthly, which includes mortgage payments in the arrears. We continued to struggle paying the high mortgage, even though the loan is upside down ; we owe more than the house is worth ( house is in need of major repairs that we can not afford to fix due to high loan and no equity in house ). Additionally, the house was appraised at a lower price than what the existing loan was. We are both retired and receive monthly pensions and can not afford the mortgage and paying the trustee. We were hoping that Chase would lower our mortgage payment but once again we were denied. They are unwilling to help save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I detected a fraudulent charge on my card and reported it immediately ( w/in a day of the charge ). Chase ( the issuer ) reissued my card then proceeded to bill us for the charge. Only a second call and a lot of run around got the charge reversed. They acknowledged that they knew the charge was fraudulent, claimed to have made a mistake, and just claimed ( again ) to have corrected it. Creating confusing and complicated barriers to a fraud claim seems a clear attempt to profit from criminal activities and ( needless to say ) violates the terms of our credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After years of being an exemplary customer, who has never missed a payment and always paid off every single balance in full, my account was closed to my surprise. Upon reading the reason, I was even more surprised. The letter of explanation states that your " affiliate ending its banking relationship '' with me, however I have never in my life had a banking relationship terminated, not by a Chase affiliate or any other institution for that matter. 

As per my credit report and banking history I have been an excellent customer to Chase and others such as XXXX and XXXX XXXX XXXX for 10 years. At this point I am very disappointed with the service and misconducted which I was offered by Chase, however I want to protect my credit rating which is excellent, and I fear a wrongful account closure and incorrect reasoning provided, could hurt my credit rating wrongfully. 

I therefore requested that this matter was looked into again, and that there is a thorough review as to eliminate any type of mistake on the bank 's end. If Chase wishes to end it 's banking relationship that is perfectly fine, however I would like the real reason, as to protect my reputation and credit. Again, the fact that any institution has ever closed an account with me is false, and I can prove this through my credit report and further documentation. 

After numerous attempts of getting some sort of clarification from Chase customer service which is unable to assist in any which way, I requested that someone with executive power look at this matter, to make sure that as the outstanding customer I was to Chase, my reputation is not damaged due to an internal mistake. I have had no luck yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Further to claim # XXXX, I understand that you have reviewed your records and state that loan and lien were against apartment XXXX. 

However I need to understand how is that the loan ending XXXX reflects, per your letter dated XXXX/XXXX/XXXX ( copy attached ), a loan summary of XXXX from XX/XX/XXXX to XX/XX/XXXX? Can you please forward me copies of the loan documents related to this loan. As mentioned before I do n't recall asking for a loan for XXXX ' amount. It makes no sense. If someone asks for a loan, Is because someone needs some funds not XXXX ' funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was unhappy with Chase Bank that someone did not come and pick up me bringing to Chase Bank at XXXX XXXX XXXX last few days ago. I told you for many times that I can not alone filled out applicants on Chase Bank because of they will declined my checking/debit/credit.. I did not get bonus money {$750.00} for Chase Bank that I had many horrible disappointed that I did not get {$750.00}. I can not using telephone & videophone call Chase Bank. I ca n't accept making a call Chase Bank and i do not want fill out online applicant, so I want a live person meets with me into applying Chase Bank online while escort care team work what I want meeting with male in highest position as what I wanted in XXXX, XXXX as Chase Bank did not bring me to XXXX, XXXX or other location, that I need getting out of town immediate action as I need someone gets acquaint with me in horrible complaints since 1990 to presents. Tell Chase Bank that I was not happy with XXXX XXXX XXXX issues. Please show sad icons on check from XXXX XXXX XXXX released notification to Speaker XXXX XXXX when Chase Bank male official with Chase Bank takes my XXXX XXXX XXXX check with sad icons to XXXX at formal charging requests forward to XXXX XXXX XXXX and others. show Psychologist doctor takes look at what wrong with meet on my sad icons on rent check. I do not allow calling out to Chase Bank or any bank PLEASE BRING ME TO XXXX XXXX XXXX AT FORMAL REQUESTS : I do not like XXXX XXXX XXXX & U.S. Department of Housing Urban Development.involved with Chase Bank, XXXX, XXXX XXXX XXXX, and other bank must be notified to XXXX XXXX XXXX as in addition, tell XXXX XXXX that I do not like U.S. Department of Housing Urban Development. I was unhappy with unfit resident of XXXX continually in increased complaint notification to Speaker XXXX XXXX at formal requests both all of above comments must forward to male official with Chase Bank that he can takes care of my complaint issues to XXXX at formal charging requests. Bring me to XXXX or other location under Chase Bank requirement! 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have a 30yr fixed rate loan with chase home fiance for the longest time i was paying XXXX dollars. then for some reason it became XXXX now i have recevieved my escrow and they have informed me my new payment is XXXX i sighed a 30 year fixed rate why is this happening i can not afford this i am a recent XXXX and on XXXX can someone please help me with this i dont want to lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
several years ago I opened a checking account at Washington Mutual Bank. Part of the product line offered with the checking account was Free cashiers checks. The bank was sold to Chase. I recently got a letter from Chase stating in a few weeks they will begin to charge me a fee for the cashiers check. As I recall the original offer from Washington Mutual was free cashiers check for life. Do I have any rights here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I went to XXXX to purchase tires. I made several attempts to complete the purchase with my Chase SW Visa Rewards Credit Card which shows online as having proper credit balance and current status is ok. Each time the card was declined. I called XXXX and they said the issue was with Chase Bank. I called Chase Bank and they said there was a fraud hold on the card. I asked why. They could n't tell me. They put a hold on the card without telling me and caused me to spend over an hour trying to figure out. This is a breach of the cardholder agreement and just plain wrong. They are dishonest. If they are going to restrict use of the card with new online merchants they should notify the consumer prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc.
State: KS

Complaint narrative:
Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase promotes a service called Chase Quick Pay. Chase Bank then immediately withdraws the money from the parties bank account. Then they put a 3 business day hold on the funds stating that they do this to verify the transaction has n't been rejected by the other bank. If the transaction had been rejected it would n't go through in the XXXX place. This is a shameful play by the bank not to watch their assets but utilize funds being transferred from person to person to their own benefit. There was no reasonable explanation that the bank could give when I informed them that the funds had been withdrawn from the senders checking account on the day that I requested the funds. A 5 business day hold puts an unnecessary burden on the consumer who is the receiver and owner of these funds. It is also counter to the claim of it being a Quick Payment well known services like XXXX, XXXX, Stripe and banks that offer similar services like XXXX and XXXX XXXX do not hold funds for 5 business days when sent from other parties.They are either immediate or happen with 1 business day. XXXX is XXXX thing but this is excessive and overly burdensome to the consumer especially given how fast electronic transactions occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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:
credit card was with initally with washington mutual, paid off on time according to terms stipulated. I received correspondence that Chase would be taking over washington mutual but that my account would not be affected. However, when the change went into effect, Chase starting calling me about the credit card payments, having no records of any payments made. When given confirmation number of last payment, they would agree that it was paid off. This went on for several months. Upon viewing my credit report, it now appears as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,

Company response to consumer: Closed with explanation