vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Regarding : escrowformal complaintmortgage administration errorslack of responseIgnoring and breaking laws XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX among othersRequested company guidelines for conventional loans, deniedReceive unsigned documents that do not respond to specific questionsGiven incorrect informationCustomer service is rude, obstinate and offers hyperboleSends collection notices and calls when loan is paid in advanceDose not provide interest charged, unpaid principle balanceMisapplies payments and addition principle paymentsReferred me to wrong Federal agenciesQuotes laws that do not existShuffled from department to department for monthsWould not give correct name of Company to establish registered agentWould not provide registered agent info for the State of GeorgiaWill not follow terms of noteProvides written answers that conflictInterest not calculated correctly for addition principle paymentsImproper address for letters or letters ignoredRefuses to apply daily per diem to additional paymentsWill not provide statements that reflect interest charged or calculation method i.e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/2016 my wife went into Chase Branch at XXXX XXXX XXXX in XXXX NY. ( this being the same branch both myself and my wife bank with ). 
She was looking to open a new credit card utilizing her sole name and credit. After completing the application and being approved for the card she was " convinced '' to have her husband ( Myself ) as an " Authorized user '' on this account to " gain more points ''. My wife specifically asked to Chase at that time, that this would have no impact or be reported against myself ( her husbands credit ). About 20 days later I was informed by my own credit monitoring company that an account by Chase has been opened AND reported against MY credit showing a balance etc. - I asked my wife about this and she was adamant that the person who took her application at Chase clearly stated that this new card account with Chase in no way would have any affect or be reported to any credit agency against her spouse ( Myself ). 
My wife reached out to the individual at Chase that took her application, who was totally Un-Aware and informed her this would not be reported against any authorized users credit. After speaking to the Branch Manager ( XXXX XXXX ) on XX/XX/XXXX he informed me that he was well aware of this going against the authorized users credit, and WAS written on the form in the small print that my wife had signed and agreed to. His only answer was to close the account against my name and told me it would " Probably '' come off my credit report. - When I asked for a letter simply stating that this account was opened and reported against my own credit without MY authorization he responded with " I can not write a letter ". 
This Branch and the managers at CHASE need to be held accountable and stopped, for opening probably thousands of accounts and having a direct impact on an individuals " Authorized users '' credit without their knowledge of an account even existing. We all know how precious and important it is these days in this credit environment and for Chase to blatantly lie to customers is simply not acceptable. - I am still trying to get a letter from Chase to get this removed entirely from my own credit. The officers at Chase taking such applications who supposedly " Know their Customers '' should have a fiduciary responsibility to their customers to read verbatim the part in the application that discusses who the opening of this account will affect credit wise, be it the main card holder or any authorized user they want to add.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am a XXXX XXXX XXXX ( XXXX ) credit card member and account holder and routinely receive promotional offers emailed to me. After receiving a few XXXX email offers for XXXX to XXXX bonus miles ( depending on the email ) I felt enticed enough to investigate my options and sign-up. 

Within the body of the email ( which one can view as a webpage as well- I elected to do so ) there are a few references to " provide your XXXX XXXX number when you call XXXX. '' Alternatively there are several other references to " click on a hyperlink [ to view all packages ] or call XXXX. " Wanting to thoroughly understand my options and obligations I elected to follow the " view all packages '' hyperlink. When following the hyperlinks as a consumer you are then exposed to alternate XXXX content. Specifically for the XXXX, within a few clicks I was presented with different phone numbers to call to sign up for XXXX ( e.g. through the XXXX site, XXXX site, XXXX site ). Unbeknownst to me, as XXXX explained when I inquired about my missing miles ), the number I eventually dialed after viewing all packages as advised by the promotional offer was for a retail vendor and " does n't qualify for mileage awards. " I find the promotion incredible deceptive and poorly managed. The links, content, and offer should have been self-contained. Instead I seamlessly clicked from one link to the next ( all from following the direction in the initial promotional email ). I had no way of knowing that I was suddenly working with a vendor/subsite that would n't make me eligible for the miles. 

When signing up the vendor apologized and said he was n't familiar with how to process the mileage credit and asked me to contact XXXX for clarification. Not thinking anything of it at the time, I called XXXX and they told me to take it up with XXXX. I was stuck in the middle and bounced inbetween both organizations before finally convincing XXXX to investigate the mater. More than 2 months later, after repeated phone calls, emails, to XXXX ( most without XXXX acknowledgement or follow-up ) I was notified I would n't be getting the bonus miles. The reason - " your account was n't eligible for the promotion because your order was placed with a retail vendor and it does not qualify for Mileage awards '' - a vendor I engaged by following the promotional content emailed to me by XXXX. 
I 'm now without my mileage bonus. Stuck in a 2 year contract with XXXX. Paying more for similar services I had before ( TV, internet ). And had a credit hit against me for the sign-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: Money Management International, Inc.
State: RI

Complaint narrative:
Money Management international did not disclose requested conversations with HAMP, as per debt validation, and it caused me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I attended the XXXX in XXXX this past XXXX as a Delegate. The XXXX contracted with certain hotels for each of our state delegations. Our contracted hotel was the XXXX airport hotel in XXXX. We we required to book a minimum of 4 nights at $ XXXX ( double their regular rate ). Most delegates booked from XXXX, but being that I am originally from XXXX I arrived on XXXX & stayed with family. I booked my hotel room from XXXX as I made plans to go directly to my fathers home in New Jersey immediately following the close of the Convention XXXX evening. I arranged to take him to some doctors appointments. The only reason I stayed at the hotel on XXXX evening was because I was required to stay a minimum of 4 nights. Upon checking in I noticed that the hotel had me booked for 5 nights & had already charged my credit card. I brought it to their attention immediately and spent all week communicating with the front desk & general manager to have the appropriate credit issued. XXXX morning I spoke to the hotel general manager to advise him I that I was checking out and would like XXXX room charge credited back to my credit card. The manager became very rude and told me he would not be issuing me any credits. I went ahead and checked out as I planned and advised him that I would dispute the charge with my credit card company. I did dispute the charge several times with Chase and each time they recharged my account simply stating that the hotel said the charge was valid. No one from Chase ever communicated with me ( their member ) regarding my dispute - they simply took the word of the crooked hotel general manager even though I provided them with a copy of my receipt upon checkout that showed a credit for the last night ( {$320.00} ) and my original booking paperwork that shows my original booking of XXXX. The hotel is fraudulently charging my card an additional night and Chase is complacent in assisting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Home Foreclosed upon in XX/XX/XXXX. Settlement received in XX/XX/XXXX for improper foreclosure. Credit report not reflecting improper foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
J.P. Morgan Chase Bank have repeatedly acknowledged on multiple complaints in this matter they will not violate confidentiality of accounts relevant in this matter of my assets plus annuity payments plus being I did not have account there was nothing more to discuss. I have opened Chase Bank Checking account but still have not received annuity payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: GA

Complaint narrative:
This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX claiming to have the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. The first time they contacted me was XX/XX/XXXX. I returned their call at which time they claimed that I owed over $ 5K to Chase Bank XXXX who really should be writing lots of checks to every XXXX given the widespread fraud they engaged in ). After being threatened with a lawsuit, after they did n't give me the " this is an attempt to collect a debt speech '' I was finally able to get the address above. I sent them a debt validation letter on XX/XX/XXXX with a strong cease and desist statement. 

Since this time they have called me 5 times. The message they leave contains an implied threat that I believe is illegal under the Fair Debt Collection Act. In addition, they have never provided me with a validation letter. They have only called, threatened and called me names XXXX XXXX XXXX. 

Furthermore, I received a XXXX which stated that Chase had forgiven a debt for the amount of {$2100.00} XX/XX/XXXX. I have disputed this with Chase directly and have yet to receive any information on this debt. I had to pay almost {$500.00} on my " income '' from this forgiven debt XXXX how come I have to pay taxes on forgiven debt that was never validated and that did n't ever exist, but XXXX XXXX did n't any of the now 7 times one of his companies declared bankruptcy? ). 

By my count, they have violated the law at least 11 times in this attempt to collect a fraudulent debt. They should be required to pay me the {$1000.00} per instance statutory penalty. Why have a statutory penalty that can not be enforced in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase is not crediting my 2 years of principal payments or trial payments to a new loan modification offer, after I became unemployed for 6 months. I made all my deferment payments and all my trial payments and am now gainfully employed again. So they are in my opinion, stealing all the principal payments I made prior to becoming unemployed and unable to make my normal payments, as well as, in my opinion, stealing my trial payments. None of them were applied/credited to the new principal balance offered in my new loan modification documents. The principal balance was completely misrepresented at a loss for me of approximately $ XXXX principal dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I withdrew a cash advance from credit card XXXX/XXXX/16 for {$1200.00}. The fee for the advance was {$60.00}. I have a 0 % introductory purchase apr that expires XXXX/XXXX/16, at which time it converts to 23.24 %. Cash advance apr begins accruing immediately at 24.24 %. The minimum payment for the account was {$25.00}, due by XXXX/XXXX/16. On XXXX/XXXX/16 I made a payment for {$1300.00}. They did not apply this {$1300.00} payment to the cash advance. When I called and spoke with them they said they could n't see how the payment was allocated and they would have to escalate it to maintenance to find out what happened to the money. My current statement for XXXX/XXXX/16 shows my cash advance balance as {$1300.00}. There have been no other cash advances made during the life of this account. My promotional purchase apr has not expired yet. At this time my cash advance balance should be {$0.00}, as I payed it off 13 days after opening it.

Company response to consumer: Closed with monetary relief