vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2016 my son, XXXX XXXX XXXX, died. He had set up a living trust with his XXXX sons as successor trustees. He had created a trust banking account with Chase Bank. There are funds in that account totaling approximately {$450000.00} which the bank has thus far refused to release to the boys. It has been 5 months now and the account has only accrued {$13.00} in interest. This appears to be criminal in my opinion. The boys wish to invest in homes for themselves with these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase is really dragging out making a decision on my short sale application. They have made me submit the same information multiple times, and continue to stall without closure. 
I made application for a short sale with Chase XX/XX/XXXX. This is for my propoerty on XXXX ( Loan # XXXX ). This loan is the XXXX mortgage on this home where I owe about {$8500.00}. The XXXX Mortgage is with XXXX XXXX where I owe about {$38000.00}. XXXX XXXX granted me the short sale and lowered the accepted price to {$12000.00}. The home is for sale where I recently received an offer to purchase the home. I am writing this complaint, because I have attempted to get Chase to respond to my short sale application. The realtor ( XXXX XXXX XXXX ) has made provided Chase the offer information and they still will not respond. I have complied with everything Chase has asked me to do including submitting the same information XXXX different times since XX/XX/XXXX. Based on XXXX XXXX 's action on lowering the price, I would expect Chase to do something simular. I would think XXXX-XXXX would be acceptable to settle the loan with Chase. I have had a buyer for this property since XX/XX/XXXX, but I cant close the deal because chase will not answer the short sale. Recently I have been working with ( XXXX XXXX ext. XXXX ) Chase, but all they tell me is " it is with the negotiator ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a user of a Chase Sapphire Preferred credit card which awards points based on purchases which can be later redeemed for airplane tickets or hotel stays. To redeem the award points, you contact the Ultimate Rewards Department and request your specific travel award. Chase then informs you of the cost of the ticket for the award to be redeemed. Chase does not inform you that the prices it is quoting may be non-competitive compared to purchasing the same ticket through a travel company or using a different credit card service. The earning of the travel points is the inducement to use the card credit but there is no disclosure that when you redeem you will be offered an uncompetitive price. This evening Chase quoted the lowest fare for the flight requested at {$150.00} but the same flight was offered at the same time on XXXX at {$55.00}. When i complained the response was that they do not have disclose that their fares may be uncompetitive - it was not part of their " marketing '' to disclosure the drawbacks of their program. If asked, they will disclose fares may not be competitive but only if asked. This is deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We were told to get behind on our payment for XXXX days in order to get a loan modification.Then after the XXXX days they would not do anything to assist us and immediately started the foreclosure process. After submitting the paperwork over and over again they kept saying our paperwork was outdated or lost. Every time we spoke to them we had to call them since we did not have a contact person for the loan modification, basically starting over every single time. 
Eventually we hired an attorney who was working with Chase attorneys to try to get the loan modified. This was a Robo signed loan which we knew before the robo signing was even settled. Their Attorney denied in court, under oath, that this was not a Robo signed loan. We then applied for hardest hit funds through XXXX which we were approved for $ XXXX. At XXXX they were working on it then they came back and said they do not participate in that program. We are still fighting to save our home XXXX years later after paying on it for XXXX years and raising our family. We have no equity left, still paying attorney fees, and possibly going to Supreme Court. 
All we wanted was a loan modification. 
We are now speaking to Neighborhood Housing in XXXX. Chase will not speak to XXXX either or give them a number to the legal department to work this out. We have other illegal things that Chase has done throughout this process that we would speak about at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After making several requests by telephone and by letter, " JPMorgan Chase Bank , N.A . '' has not provided a : 1. Copy of the " Mortgage Loan Payoff '' letter ; and 2. " Closing Statement '' that lists all the " charges '' and " credits '' that were applied by the bank to fully payoff the mortgage loan. 
As a result, there is no way to check the " charges '' or " credits '' as to being correct. 
I paid {$5400.00} Chase on XXXX/XXXX/15 and Chase refunded {$3.00} XXXX/XXXX/15. 
Chase sent a letter that stated that the loan was fully paid off, but Chase did not provide any final accounting of how a payment of {$5400.00} resulted in a return of {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XXXX XXXX CHARGED XXXX XXXX VISA {$49.00} FOR A XXXX BANK. 
XXXX XXXX WAS SENT A TEXTBOOK. HE WAS NOT SENT A XXXX BANK. HE WANTS A FULL REFUND. SELLER MISREPRESENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
son took out home equity loan, I signed as a grantor to use my house as collateral. I have NO mortgage. Son died. Loan is ONLY in his name, I was turned down for food stamps because they do n't see that I 'm still having to pay on dead sons loan. I live on SS and loan comes only in his name at XXXX a month. Indiana offered hardship loan of {$30000.00} to Chase bank but needed assumption letter with my name on it. Chase refused stating they only do that for mortgages. I applied for my own loan just so I could lower payments, even with a credit score of XXXX they turned me down. I 'm XXXX yrs old. I do n't see how this is legal banking practices. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested an autopay arrangement with my recently obtained Chase Slate visa credit card and the authorization form has only two options : either " minimum payment due '' or " full amount due '' ( which having just transferred a balance from another credit card is not an option at this time for me or probably for many others ). No option for selecting a fixed amount higher than the minimum payment is provided on the form, which is more than likely intentional to keep folks trapped in making minimum payments down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did a balance transfer using promotion checks on my Chase Freedom Card. I was told by the rep that the monthly payments would amount to approx. {$100.00}. First bill comes in with a monthly payment of {$510.00}. Called Chase dispute department and the manager was unwilling to change the monthly payment amount despite the information given to me. She kept repeating the company terms of how monthly payments are calculated ( a confusing tangle of options this OR this OR this ). 

Nowhere on the promotional checks or accompanying letter, or my statement balance does it explain the terms of how monthly payments are calculated. The manager was unwilling to change to monthly payment amount, despite what the Chase rep who did the transfer said. ( I 'm sure this is all recorded ). 

This is a misleading and a deceptive practice and could lead to financial ruin for the consumer. Consumer has the right to have all the correct information as to make an informed financial decision. Please intervene.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC.
State: AZ

Complaint narrative:
check for {$500.00} but took half instead. I was w/ us bank. I now have XXXX XXXX paralegal XXXX calling form XXXX. XXXX XXXX attempted to contact me for the first time XXXX/XXXX/15. also proceeded to contact my father. released confidential/personal info. telling him a warrant would be issued for my as well as a felony on my record. same day also contacted my XXXX brothers. I attempted to set pmt arrngmnts as was told by XXXX representatives from walker I was non-compliant and foewarding to a judge. my XXXX hung up on 2 times before I was able to get him to transfer me to his manager who also stated I was non-compliant. adv her Arizona is a community property state my wife should have been primary contact. instead private info released, threatening acusations, illegitimate & down right harassing business practices I would request u look into company to make sure other are not having to deal with this kind on treatment..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Hello, I have been in short sale XXXX with Chase for the last 7 years. In a nutshell, I lost my job in XXXX of XXXX in XXXX. I had to relocate to XXXX since there were no jobs available in XXXX and had to leave behind my house I had n't even lived a year in after purchasing so I worked with a realtor to put it up for short sale. My husband is XXXX and I also had a 9 month old at the time. After moving to XXXX, we realized we could n't manage living in an apartment and barely making ends meet so my husbands parents offered to have us move out to XXXX. We have been out here since XXXX of XXXX. For over 2 years, I had many decent offers on the house, but Chase never got back to my realtor about accepting an offer, then finally after 2 and 1/2 years, declined to let me short sale it, even though I had about 6 different offers. 
I waited for almost 2 years to see if they were going to foreclose, they never did. I contacted them again in XXXX to see if I could give them a deed in lieu of foreclosure. They said I had to try and sell it. I told them about trying before, they said it did n't count and I had to try again. So I got the same realtor to help me out, we had multiple offers again, and finally had one that worked very well. Chase made it very difficult to work with them, but we complied at every step, including me sending in month after month my paystubs, bank statements and tax returns. At one point they said we had to try and sell the house at XXXX. The buyer agreed, then Chase countered again with {$500.00} more dollars! Luckily my buyers agreed to it. Now, about a month ago, they have declined the short sale again stating I had a lien on my property ... which I do n't and if I do it 's their fault because of dragging this out for 7 years now. 
My credit is shot, I have no way of improving my credit score because they keep dredging this up and having it show up. I have complied with them every step of the way and I have had so many people working on my case from Chase, I do n't even bother remembering their names. No one ever calls back myself or my realtor. 
I started out with walking away and owing XXXX and now it 's almost to {$300000.00} due to late fees, bogus insurance policies they say I had to have and other miscellaneous fees they felt like throwing in. 
Even if this lead to me filing bankruptcy, I just want to be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to report about how Chase credit card over charged me to make unethical profit by not sending payment alert email and using the balance as the late fee charge. Chase credit card makes the late fee charge very tricky. and take advantage of consumers who have busy schedule and have no ability to understand their complicated statement and policy and never send an alert email regarding payment due. As I logged in my chase credit card because of other issues one day after the due day, I found the big late fee charge and contacted them and informed I would paid full balance today and asked them to reverse the late fee charge. They made the statement complicated and not friendly easy, therefore I spent a lot of time understanding it. Thought I still dont understand it, I have no choice but pay the full balance +big late fee charge. But I believe it is unfair to treat consumers in a tricky way since their policy and statements are complicated and never send alert email to consumer to remind them regarding due day and never explain late fee policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the removal of PMI and was rejected. My LTV is below 78 % and feel it should be removed, as long as payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have a credit card with Chase with a limit of {$65000.00}. I have not been late on a payment and have had a credit score consistently over XXXX. I pay my credit card in full every month. I recently came over my limit to {$85000.00}. I went to lease a car and found that my credit score dropped significantly. The car dealer reviewed my credit report and showed me how it was compromised as a result of exceeding my {$65000.00} credit limit. When I called Chase they stated that because I was a preferred customer they extended the extra credit to me. Unfortunately in the process of doing so, because I did n't pay the credit card down immediately, they reported this to the credit report agencies. The credit card company should have either 1 ) never approved that additional purchase over my credit limit or 2 ) notified me of this happening and the potential effect it could have on my credit score prior to reporting this to the credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Other financial service — Check cashing
Issue: Advertising and marketing — 
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.

Company response to consumer: Closed with explanation