vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX, XXXX I had a house fire it was a total loss. XXXX was my hazard insurance and I had an old policy which XXXX paid out in full to rebuild my house. My mortgage is with XXXX Chase Bank so the insurance checks was paid into XXXX Chase Banks insurance claims department. I should have been in my house no later than XXXX XXXX, my slightly less than a year from the fire. My contractor is excellent, XXXX was excellent. The problem lies with Chase not wanting to release the funds that belong to me to rebuild my house. XXXX XXXX my contractor was owed {$71000.00}, I requested the funds and Chase sent me a check for {$10000.00}. Here it was XX/XX/XXXX and the contractor 's subs were owed, it took Chase until XX/XX/XXXX to pay the balance even though the funds were siting in escrow, I threatened with a possible law suit. I am displaced and now am 8 months beyond the time I was should have been back in my house. Chase stated that the build out is reported at XXXX % and have denied my requests because it is stated that for further payment it must be at XXXX %. Without further draws my contractor is being kept from reaching the XXXX %, he must have a further payout to proceed. I will NEVER get back into my house without further funds being released ASAP. My contractor needs the funds for sheetrock and all of the goods needed to start on the finish work. Without the payout my contractor ca n't proceed and Chase is keeping me displaced. The message from Chase to me is, " XXXX XXXX you will never be back in your house. Your build out is at XXXX % and will eternally remain there because we are not going to give you another dime of your insurance money, so you can complete the process of rebuilding you house as your insurance company intended you to do with the funds from your hazard policy, because our policies are in place so we can use your money regardless of why you received it. '' My storage bills continue to mount up and I am getting to the end of my rope. My personal costs are escalating because of the unnecessary delays. In the end I may actually have to consider suing for financial and emotional damages. I am now taking valium for the stress so I do n't have a pervious breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Dear Consumer Finance Protection Bureau : My father name XXXX XXXX XXXX he is persistent XXXX. His XXXX digits social security is XXXX his previous mailing address was XXXX XXXX XXXX XXXX, XXXX , Oregon XXXX. He has checking account at Chase Bank but now he is not able to manage his checking account. I am his daughter and want to be his representative manage his financial. I went to Chase branch at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX on XXXX XXXX, 2015 but the branch manager was not able to answer my question what documents I should provide to be my father representative or power of attorney but in this case my father can not able to sign any document because his XXXX. I do not know why a chase branch manager does not have a basic knowledge to answer what documents should be provide if my father has checking account but his XXXX is not able to manage his checking account at this time and I want to be help him manage his finacial and checking account. She did not know everything and did not help me at all. really bad service at this chase branch. 

XXXX XXXX XXXX XXXX XXXX XXXX, oregon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was out of work last year, XXXX XXXX if went to XXXX for a credit card for assistance. They said that it was {$25.00}. Monthly payment minimum, but they are charging 22 % interest into the payment and at the same time tell me I can not pay the interest off till the {$1500.00}. Balance is paid off. But am told that my bill payments are including the interest. Thats XXXX the interest I have to pay, and I did n't even recieve that credit card, it was a simple store card ca n't even have a pin attached to it. But chase bank wo n't raise my credit limit so as to pay off XXXX and fix my credit, and the last time I was told to talk to XXXX about my issue since they uses XXXX but the mailer is from XXXX and still denighed why do they not want me to have good credit? I 'm needing to fix my car to get to work I need a new car and a house, but why do they say its too many credit card and too high a revolving balance, the balance was cause I had to go to XXXX for service and then lose the good paying job, but I 'm trying to fix it and no one cares I 'd said I 'd rather pay chase then XXXX cause they falsely charge interest, but am denighed need to get assistance with this I cam pay it down but when constantly changing rules I ca n't find a foot hold and maximum I asked for was {$5000.00} to pay off XXXX and get car fixed, at minimum pay {$50.00} monthly about XXXX rates! But will pay gladly since my housing is affected by no credit or bad credit, bug XXXX 'd like that XXXX XXXX get dealt with for being bad business.. If they can charge XXXX on interest then I should be allowed to get my credit limit raised so that I can avoid them altogether and have maintenance money so my car does n't break down and I lose my job, then am XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase authorized an XXXX payment on XXXX/XXXX/16 for {$120.00} as a debit card transaction and there was sufficient dollars in my account at that time. I have the text to prove this. I then had my XXXX check # XXXX for {$370.00} clear overnight on Monday XXXX/XXXX/16, so the XXXX charge hit my account officially on Monday XXXX/XXXX/16 and Chase charged me a fee. It 's my understanding that if a debit card transaction is approved there will be no OD fee associated with it. The XXXX charge was put through as a recurring charge, by Chase. We had Chase and XXXX on the phone at the same time and Chase miscoded the charge and charged me a fee of {$34.00}. I want the fee reversed! I should not have been charged this fee and this was not a recurring charge. Chase is fraudulently charging me an OD fee. I currently have a XXXX charge pending, which was again authorized before the check cleared and they are not charging me a fee for this. Why? Because it was authorized before the check came through, so why is the XXXX transaction being charged a fee. Because Chase is being fraudulent!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. There was never a written documentation specifiing this issued for what we strongly agreed that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase had errouslly and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts ' the borrowers are now looking for a settlement in regards to this loan. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My loan provider, Nelnet, made a mistake in calculating my monthly payment amount last year ( XX/XX/XXXX ). They thought I was paid bi-weekly, despite specifically stating on my paperwork that I was paid WEEKLY, which was also evident on my pay stub. Therefore, my payment amount was much lower compared to this upcoming year ( XX/XX/XXXX ). My new amount is XXXX % MORE than what I paid last year, which is much more than I can afford, and is significantly more than the yearly increase as stated on my IBR plan. I spoke with several advisors trying to figure out where the mistake was and why I could n't get a lower payment amount. They suggested forbearance as the only option, which I did not opt for due to the quickly accruing interest. I 'm extremely frustrated and feel like this is a huge mistake that I am paying for, literally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX Please take a look at this link above. I have been a customer of Chase for over 15 years and never had any issues with the company until now as well as never a late payment. They placed a 30 day late on my account ending in XXXX which I was not responsible for in this situation. I have never had a late payment on any revolving credit card account in my life at XXXX years old. How can Chase not recognize that I have been a great customer and that they made a mistake here. It seems from consumer affairs there is a real problem here. Please remove the 30 late and do something right with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Ordered bank statements for XXXX-current and was not told that the grand total would be over {$400.00}. Asked for assistance and was given a {$48.00} refund as courtesy. I also asked if they could cancel the order, to which they did not reply to that request. I feel I was taken advantage of. When I called, the customer service rep told me they were all available online. Why could n't someone send me a letter or a call stating as such before charging {$430.00} to my account that had {$90.00} left in it until XX/XX/XXXX. As a mother of XXXX this is unacceptable. I informed the bank this is for court purposes, as this is needed in the upcoming modification I am doing with my ex for child support. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Case number : XXXXWith all the letters that I have sent to Chase Bank requesting verification of an account I have received no letters from them back stating that they have received my letters that were sent certified mail. 

This raises other issues in addition to my complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied during XXXX 2016 for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} introductory fee for the first year, then {$95.00}. I received a statement charging the annual fee for {$95.00}. Chase needs to do a review of all their online offers, because they all continue to offer the {$0.00} introductory fee on Visa cards. It is impossible to believe that my online offer is different from the rest. Attached is the pricing and term for my Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Accepted unemployment forbearance from lender JP Morgan Chase. I was told that credit reporting would be suspended during forbearance period of months of XXXX 2015 - XXXX 2015. Unfortunately, Chase reported my mortgage 30 days late for XXXX 2015 and 60 days late for XXXX 2015. I was under impression the unemployment forbearance gave a borrower a period of time of reduced payments to allow time to regain employment and pay the mortgage current? The mortgage was paid current at end of forbearance period in XXXX 2015. If knew in advance that the mortgage would be reported late during forbearance period, I would have not accepted the forbearance. There is bad faith on either JP Morgan Chase 's part or by the VA/government guidelines in explaining the unemployment forbearance? There should be a disclosure that states " negative credit reporting WILL result '' in accepting the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently signed up with Chase for a credit card that worked with XXXX XXXX for frequent flyer miles, the " XXXX '' program, the XXXX XXXX XXXX XXXX. The promo that was advertised was for XXXX bonus points after spending {$2000.00} within 3 months and I did meet that requirement. After meeting this requirement I was not rewarded the points initially offered. The ad was a link directly from the XXXX wesbsite to a chase credit card application from a promo that was advertised on the XXXX website. Once I contacted chase to inquire about the points I was told that this was not the offer that I had signed up for even though the link from the XXXX site took me to the application directly, giving me no other options for offers or applications to accept other than what I was re-routed to. 

This is very misleading to the consumer. You should not be allowed to advertise a certain promotion and offer a benefit for giving a company your business and then not follow up. I fulfilled my part by spending over {$2000.00} in the first 3 months and the credit card issuer should be held accountable for their advertising, whether their links are correct or not. I know the credit card company would hold me accountable for my commitments to them and they owe the same to each consumer. 

I feel this is a fraudulent advertisement. The company is intentionally enticing consumers with what looks to be a great offer and is then changing the promo offer after the application is submit to a lesser offer, a bait and switch it seems. This theory is based on my communications with Chase who told me I had accepted a different offer even though there were no offer choices after clicking on the link for the XXXX points. 

Attached is : 1. a screenshot of the offer 2. a copy of the last communications with chase 3. a copy of the statement where the {$2000.00} spending requirement was fulfilled

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, 2016 I sent a Qualified Written Request to Chase ( XXXX ), XXXX XXXX XXXX, XXXX, OH XXXX. The letter requested the following information : " Please provide any/all Broker Price Oprinion ( s ) ( BPO ) that have been solicited/initiated by Chase for specified property. 
Provide the name ( s ), date ( s ) and fees associated with said BPOs. 
Please provide copies of any/all appraisals solicited/initated by Chase for said property. 
Provide the name ( s ), date ( s ) and fees associated with said approaisals. 
Please provide the name ( s ) of any contractors, vendors, brokers, hired or authorized by Chase to enter upon, take pictures of, or gather information of any nature in regard to said property. 
Provide the name ( s ) of any companies, contractors, vendors, brokers, hire, engaged or authorized by Chase to interact with residents of said property for any reason. 
Section 1463 ( c ) - Chase has five days in which to acknowledge in writing receipt of this QWR and 30 days to provide a substantive, detailed response to this QWR. '' To date no acknowledgment or response has been received from Chase regarding this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I just recentaly opened a checking and savings account with chase bank. after 2 days of me doing so and depositing a big sum of XXXX XXXX dollars they randomly without no reason or sort of any answere just decided to close down my account, without at least a notice. Now they closed down my account and they are holding my money that belongs to me and will not release it to me. fine if my account has been closed there should be no reason why I have to wait for any reason to have my money given back to me. This has been the worse experience I have ever had with a financial institution. It has made me feel like if I have commited a crime or if I was a criminal. Now I need to request for my money to be refunded back to me asap. I am a good citizen and have good credit and this what chase is doing to me not even the brach where my account was opened has never been seen or heard of. I need immediate action on this situation.

Company response to consumer: Closed with explanation