vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have had a mortgage through Chase Bank for a few years on a propertylocated within a designated flood zone. Each year, Chase sends me a letterrequesting proof of flood insurance that can be submitted XXXX of XXXX ways : mail, fax or online. When I attempt to fax the documents, their fax line doesnot pick up. When I try to submit it online, the site is down or malfunctioning. 
When I mail it, they claim they never received it. My insurance provider hasthe same issues when they try submitting the documentation. Last year, Chase purchased a flood policy on my behalf and charged me anastronomical rate after claiming they never received my submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
During the financial crisis of XX/XX/XXXX we had just opened a new XXXX XXXX XXXX. Because it was so new, we had to give a personal guarantee. It hit our industry as hard as the housing, so we had to file chapter XXXX bankruptcy and it was discharged in XX/XX/XXXX. We tried so many times to work with chase home finance for a home modification all to no avail. They would send the making homes affordable documents, we would send in the payments and they would say we did not send in paper work requested, money etc. Over and over again. I started having XXXX mostly because of this. I started sending things certified and signed for just to have them say I sent it to the wrong location. Then the last straw was when I told them I had proof and faxed them the tracking from usps, they said it could be anything in that envelope and it did n't prove anything, I finally gave up. That was XX/XX/XXXX I think. The worst thing though is how they did not foreclose until XX/XX/XXXX. Now we have to wait 2 more years before we can buy a house. It is like being punished twice. They are the ones that caused the whole thing to begin with. They want to keep it in the owners name so it makes the owners responsible if there is vandelism, fire, flood and makes them also responsible for the home owners association dues. The best reason for them to leave it in the owners name is if they foreclose, it has to be shown as a liability on their books, if it is still in the owners name, they can list it as an asset. This needs to change and not show a foreclosure so long after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We bought a new house in XX/XX/XXXX We began paying our mortgage in XX/XX/XXXX. In XX/XX/XXXX from our escrow statement our taxes changed a little. We continue to pay our mortgage on time ( also about {$400.00} extra each month towards principal ) until now. Today a received our escrow statement and our escrow account is {$12000.00} short. I have no clue how it could be this short. There is now way we can come out of pocket for this amount at this time. They also gave us an option to spread it out over the next 12 months but that is also impossible as it would double our monthly payment. Someone clearly estimated our taxes and we now have no way of paying it. If it would have been correct from the beginning we could have been paying the correct amount each month and not be in the unfortunate situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase did a loan modification for my account on XXXX 2010. I lose my job in XXXX 2010. I filed chapter XXXX in XXXX of 2010. Chase sent a proof of claim in the amount of XXXX stating this is for XXXX, XXXX, XXXX and cost and fees. Which was incorrect because I had a loan modification on XXXX 2010 that include cost and fees. At the time of the chapter XXXX I only owe for two months and current month. These fees are foreclosure fees, Lawyer fees, and other fees. All these fees was included in the loan modification. In the state of Louisiana you have to be three months behind and have to give notice to the foreclosure. I did n't got any of these. Also my lawyer confirm that I was not in foreclosure. Chase change me for fees that was include in my loan modification. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made an incoming transfer of {$40.00} from the XXXX Bank to Chase to cover the outbound transfer for {$60.00} from my Chase checking account using Chase QuickPay service. The available balance on my Chase chasing account after the transfer was shown to be {$65.00}. Thereafter, I made an outgoing transfer from Chase to my daughter, XXXX, for the amount of {$60.00} on XX/XX/2016 to her Chase checking account to help her make a payment to Chase credit card. After the transfer, the available balance on my Chase checking account was {$5.00}. However, the next morning on XX/XX/2016, my account was overdrawn by - {$28.00}, because my account had been assessed a non-sufficient fee for {$34.00} for making that outbound transfer. Immediately I contacted the Chase representative asking about the fee. I was told that when the {$40.00} incoming transfer arrived to my Chase checking account from the XXXX bank, it was beyond the cut-off time of XXXX Central Time and that I did not have enough funds in my account to make the subsequent transfer of {$60.00} to XXXX. I told the representative that my available balance was shown to be {$65.00} before I was allowed to make the outbound transfer for {$60.00} using Chase QuickPay. However, she was unrelenting and refused to reverse the non-sufficient fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went in to Chase Bank in XXXX / XXXX to open up a business account. The next day, the individual who helped me sent me an email and a text message asking me out. I find this very unprofessional and a breach of data. I am not comfortable going back the bank with this employee still there. I had a friend of mine go to the branch and address this with the branch manager and he was sent a copy of the text and email. When he went back in to the branch and spoke with the manager for an update, he said he informed HR of the incident. I asked if the individual is still employed there and he responded, YES. I ca n't imagine how many others this has happened to where employees are using customers phone # s, emails, etc. and asking them out, using their info for other purposes than banking operations, etc. I can not believe that a company of Chase 's stature allows this to happen and continues to employee this individual. I will be closing all my accounts with Chase. I will also notify others and recommend that they do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best

Company response to consumer: Closed with explanation