vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Card are reporting inaccurate information on my credit report, Payment responsibility as Authorized user, Status of the Account Late over 120 days, Account Delinquent 180 days past due, Past due Balance {$830.00}, no DISPUTE Status after Disputed, etc. The account has been Charged Off on 2010. 
They do n't want to DELETE the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to you hoping that you may help me with my problem. I have been trying to solve this matter for quite a long time without any response from Chase. I live in XXXX and it is difficult for me to visit The Chase facility at XXXX XXXX. 

My problem is that I have been trying to tell the banking personnel that I cancelled my safe deposit box service 16 years ago and Chase is still charging me for this service. Last year, I sent a letter via XXXX to XXXX XXXX XXXX, explaining this situation ( I enclose a copy of this ). Nevertheless, recently Chase sent me again a communication in which they are charging me for the service. 

I also tried to reach Chase personnel many times by phone but it was useless. 

I hope that with you I have the chance to solve this once and for all. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was exploring cheaper auto loans. I found that I qualified for a 4.5 % auto loan through XXXX XXXX. So I refinanced my car loan which I had with Chase Bank for 7.58 %. XXXX XXXX paid off my account with Chase Bank on XXXX/XXXX/XXXX. Chase Bank then closed my account on XXXX/XXXX/XXXX. I had previously set up an online payment to Chase Bank for {$330.00} from my local bank ( XXXX Bank ). The payment was sent electronically. When I checked the auto loan account at Chase, I found it was closed. So I went to the local Chase bank inquiring why my online payment had not been sent back to XXXX Bank. The officer told me that it would take XXXX10 business days for the money to be sent back to XXXX. XXXX to 10 business days later ( XXXX XXXX ) I called and was told that the payment would be mailed back to me instead of being returned electronically. This would take another XXXX7 business days before I would receive it in the mail. The representative told me that the checks had been mailed out on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I called Chase back and was told that my online payment should have been returned to my Lakeside account. As of today, Chase does not know where this payment is. I have been in constant contact with my local bank, Lakeside, and they have not seen the return of this online payment. The representative from Chase also told me that the inquiry of this online payment would be completed by XXXX XXXX. I asked him what did he mean by that. He said that the investigation into my missing money would be completed by XXXX XXXX. I asked him how was I supposed to make my XXXX XXXX car note to XXXX XXXX without the {$330.00}. I live off of social security and do not have resources to cover this note.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
1. I authorize withdrawals from my checking account for my payment and they do not come out. Example : I authorized a withdrawal on XXXX/XXXX/2015. It 's been 4 business days and the payment has not come out yet. Then the bank says that my payment is returned. I have enough money in my account, it just is not debited. I paid XXXX other bills, XXXX the State of Oregon, and the other the IRS, on XX/XX/XXXX. XXXX payments, also through checking account debit, came out the same day. 
2. Chase has locked me out of my online account access. I tried to log in using my account number, my social security number, and date of birth, and it locked me out. I called. I was on the phone for 24 minutes and when I finally got to someone who could help, she asked me security questions like what streets I 've lived on and where I 've worked. She told me my answers " could n't be verified ''. I do not know where Chase is getting their information about ME, but it is not correct. I KNOW where I have lived and where I have worked. I wrote them a letter to this effect, but did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I have a mastercard Visa with Chase. I submitted a payment for {$200.00} on XX/XX/XXXX and it was debited from my bank account. When I called the bank to check on the payment ( to inquiry about the balance on my account ) a Sr. credit analyst ( XXXX from XXXX XXXX ) told me that I had to wait 8 days before the payment cleared to see the new balance on my card. She also stated that she had to call the bank ( where the money was paid from ) to see whether the amount had already cleared. This is simply preposterous that in the age of computer she has to call a bank ... 
I find it outrageous to wait 8 business days for a payment that was debited on XX/XX/XXXX to be credited to my account. In the meantime I ca n't use the card because the balance appears for a higher amount than it really is, and I have no credit leeway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: NC

Complaint narrative:
I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
this account was created out of id theft but yet is continueing to report on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I keep getting calls XXXX. There have been 7 calls made to my cell phone since XXXX/XXXX/17. I finally called them back today to find out who they are. The company is call XXXX and they are trying to collect and threaten me with saying the account is litigation from a debt from Providian Bank. That debt is over 10 years old and is out of the statute of limitations in Florida. When I told them that they proceeded to threaten me with taking me to court. When I ended the call they called me right back and the gentlemen on the phone was calling me a " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
PROPERTY MORTGAGE WAS PROVIDED BY BANKING INSTITUTION XXXX XXXX, XXXX. 
WASHINGTON MUTUAL / JP MORGAN CHASE Offered INTEREST ONLY Modification Loan late Afternoon XXXX XXXX. XXXX ~ Letter of Rescission Hand-Delivered To Branch Manager XXXX XXXX XXXX, XXXX - Due To Analysis that MONTHLY Savings Were Insignificant ~ AND MORTGAGE Balance Would Not Diminish. 

XXXXKEY ISSUE : MODIFICATION Document Did Not Contain ANY Reference ContainingTO Rescission!!! XXXXXXXX DAYS AFTER RESCISSION LETTER : BANK FORWARDED MONTHLY STATEMENTS - FOR XXXX MONTHS - TITLED " PRINCIPAL & INTEREST, WHICH WAS PAID TIMELY! 
IN XXXX XXXX : CONSUMERS REQUESTED COMPLETED XXXX MONTH FILE WHICH UNCOVERED THE INSTITUTION 'S " FRAUD " OF COLLECTING CONSUMERS P & I BUT CREDITED " INTEREST ONLY "! 
XXXX XXXX ~ IMMEDIATELY NOTIFIED SUPERVISOR OF ESCALATION DEPARTMENT THAT MORTGAGE CORRECTION OF {$48000.00} MUST BE ISSUED IMMEDIATELY & WAS ADVISED THAT SAID MORTGAGE CORRECTION WOULD BE ISSUED - WITHIN 3-4 WEEKS. 

XXXX YR LATER - XXXX XXXX / XXXX YRS LATER - XXXX XXXX ; MANY DOZENS OF FAXES / FEDERAL EXPRESSES / CEO OFFICE / TELEPHONE / LABOR : XXXX WEEKS [ XXXX HRS PER WK @ {$200.00} = {$2000.00} X XXXX WEEKS = {$190000.00} ] XXXX INSTITUTIONS ADVISED MONTHLY! 

NOTIFICATION BY CONSUMER : IF NOT RESOLVED BY XXXX XXXX, XXXX - ALL MONTHLY PAYMENTS WOULD BE PLACED IN E S C R O W. 
XXXX XXXX : INSTITUTION & STATE-UNLICENSED LAW FIRM FILED FORECLOSURE - DELIVERING M A S S I V E DAMAGES VIA NOTIFICATIONS TO ALL PRIVATE / PUBLIC RESOURCES. 

USING $ $ $ PLACED IN ESCROW : CONSUMER PAID & PROCEEDED TO DEMAND MORTGAGE CORRECTION OF ORIGINAL {$48000.00} PLUS {$190000.00} IN COSTS - PLUS {$1000.00} IN DAMAGES. 
ON XXXX XXXX, XXXX : PROMISED BY EXECUTIVE OFFICE " A FINAL RESOLUTION CALL " ; THAT CALL - AND OTHERS INITIATED BY CONSUMER- HAVE NOT BEEN RETURNED. 

ADDITIONALLY : CONSUMER HAS REQUESTED INSTITUTION PRODUCE O R I G I N A L OF XX/XX/XXXX MORTGAGE - WHICH HAS YET TO BE PRODUCED. 

U.S. CONSUMERS MUST BE PROTECTED FROM THIS KIND OF DEVASTATING ABUSE BY THE XXXX DOLLAR FINANCIAL INSTITUTIONS...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I discovered unauthorized, fraudulent transactions made via XXXX in my JP Morgan Chase Bank XXXX XXXX Credit Card statements. I contacted XXXX and requested information about the vendors, however XXXX refused to provide any information about the vendors, informed me that transactions were made online through XXXX accounts linked with my credit card and recommended that I contact my credit card company for chargebacks and further information about said transactions. Furthermore, XXXX also refused to provide me with information about XXXX accounts with which my credit card was linked and referred me for such information to JP Morgan Chase. 
I thereafter reported all fraudulent transactions to JP Morgan Chase and disputed all fraudulent charges. 
I also filed a police report about Identity Fraud and these fraudulent XXXX transactions on my Credit Card. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent, authorization or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just referred to my police report in which I alleged that all unauthorized transactions are suspected to have been made by my former employee, whose employment was terminated from my office. 
Instead of providing me with any XXXX and vendors ' contests of my request for chargebacks and any supporting evidence about the validity of said transactions, Chase just concluded that transactions are not fraudulent from the Chase 's point of view because the suspected person of theft of my identity and credit card fraud could be my former employee. From the Chase 's point of view, transactions are only recognized as fraudulent if they are made by strangers. 
I called several times to supervisors of JP Morgan Chase Bank Fraud department and left numerous voice messages attempting to resolve my disputes, however, my calls were not returned. 
More than three months have elapsed from the date when I reported all these fraudulent transactions, however, to date, Chase has not responded accordingly to the seriousness of this issue, nor has Chase assisted me in any way to resolve the matter. 
In fact, I have never received any correspondence from Chase pertaining to my dispute of fraudulent charges and its investigation. 
I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. Alternatively, if Chase is still investigating the matter, I insist that payments and interest related to the fraudulent activity be frozen until such time as the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have 3 valid complaints as follows please : 1. Client has an approved short sale under the HAFA program. The 1st lender XXXX had approved the file w/ escrow close date on XXXX/XXXX/2016, with {$12000.00} pay off to the 2nd loan, an equity line of credit. The assigned negotiator of the 2nd lender, Chase, wont approve the file under the HAFA insisting that XXXX approval letter should contain a specific HAFA verbiage. XXXX however refuses to issue a special letter as requested since the bank 's letter is auto generated. XXXX, to satisfy Chase 's request sent a letter with XXXX signature but still Chase 's refuses to honor the approval letter. The settlement statement ( HUD ) clearly shows that account is a HAFA short sale. We want to close escrow but Chase apparently is not cooperative and intentionally making the process too hard for every one unnecessarily. Our goal is to close the short sale as approved under the HAFA program. Account is delinquent with an active foreclosure process but since short sale is in progress, a sale date is put on hold. 
Please help our client. 
2. An incorrect account no. has been provided by Chase 's negotiator, speculatively was done in purpose so other departments can not have an access to the account, like the escalation department, or the supervisors. 
3. Numerous calls have been made to the 2 supervisors of Chase but no return calls. 
The author / person filing this complaint is assistant to the listing broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is a collection account that was reporting to all XXXX bureaus and when I disputed the account and requested documentation, XXXX XXXX XXXX claimed they sent the debt back to the hospital and requested for it to be removed from all XXXX bureaus. However its still reporting on Equifax credit file and I 've disputed this account on number occasions. XXXX XXXX XXXX states they have already requested for it to be removed and Equifax has not removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.

Company response to consumer: Closed with explanation