vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX, I received a statement from Chase Bank for a XXXX XXXX XXXX, including a renewal fee of {$390.00}. I immediately called Chase and downgraded the card to a lower level ( XXXX ), which had a {$95.00} fee. I was advised to not pay the {$390.00} in that billing cycle and that I would receive a credit the next billing cycle, and to call to have any interest reversed. I was then charged {$95.00} for the XXXX card in the following billing cycle, on XXXX/XXXX/15, but received no credit for the {$390.00}. I called on XXXX/XXXX/15 and spoke with both a customer service representative and a supervisor, both who indicated that I would be receiving the {$390.00} credit but not for another billing cycle. I complained that paying {$390.00} for something I had cancelled and in fact the bank had replaced with a downgraded benefits card ( and had charged a second fee for ) amounted to lending Chase {$390.00} and wait for them to pay me back. The supervisor indicated he would credit the interest from the XXXX billing cycle ( from my non-payment of the {$390.00} in the previous billing cycle ) and that I would see the {$390.00} credited back -- and I should contact Chase in the next billing cycle to obtain a reversal on the additional interest to be charged for the subsequent billing cycle on that {$390.00}. When the current billing cycle statement arrived in early XXXX, there was no credit for {$390.00}, the previous billing cycle interest was reversed, there were new interest charges applied. I called and spoke with a representative, a supervisor, and then an escalated floor supervisor. The representative and the supervisors informed me that I would not see the original fee credited at least til the next billing cycle, that it would not be for {$390.00}, but {$300.00}, and that the downgraded card 's fee of {$95.00} would be deducted from the {$390.00}, despite that a {$95.00} fee for the downgraded card had been charged in addition to the original card ( which was cancelled ) fee of {$390.00}. The floor supervisor indicated I would receive no credit for the {$390.00} despite the cancellation of the card and its benefits, and that I would be responsible for the {$95.00} downgraded card fees ( essentially I would pay for a card and its benefits that had been cancelled when it renewed, and receive no benefits for the {$390.00} ). He offered and will be looking into what had been promised previously. It is inconceivable to me that the bank can charge a fee for a card that is cancelled at the time of renewal, not credit it back, charge another fee for a downgraded card, and then indicate that the original higher fee can be collected without providing the card 's services. As an FYI, this is a Chase XXXX XXXX XXXX, vs. a Chase XXXX Card. I have the statements and names of those to whom I spoke after the initial contact when I downgraded the card, if those are needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Briefly, a nightmare involving Identity Theft dating back to XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with Chase Manhattan in XXXX. 
A company named XXXX XXXX XXXX appears to be abusively recycling this old Chase account even though they were responded to in XXXX and it appears that they may be doing this with Chase 's help. 
A total nightmare going back over XXXX years that should simply never be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to Chase XXXX XXXX and XXXX XXXX XXXX # XXXX located in XXXX XXXX, FL. I had XXXX salary check in the amount of {$3000.00} to deposit, plus a another personal check in the amount of {$360.00} to deposit as well. I went through the teller line at the window. I had no concerns about holds since I was below the thresholds and did not meet the requirements under Reg CC for the other reasons there may be hold placed on the account.Upon arriving home I reviewed my account online and noticed that I was only given the {$200.00} out of the {$3300.00}. I called the Bank and spoke with XXXX XXXX who told me there was n't anything they can do unless " I wait until tomorrow to see what happens, if I still need the funds Chase MAY call to verify funds. '' I informed XXXX XXXX that position was not in compliance with Reg CC funds availability requirements. He insisted that the notice on the receipt that " further review may result in delayed availability of this deposit '' suffices and that they do n't deal with these issues at the Branch only there Legal and regulatory dept do. I was informed that if I wanted they would return the checks do me and I can deposit this elsewhere. I returned to the branch to pick up my check Employees were totally ignorant of Reg CC requirements " they depend on the system '' to figure it out! I wonder how many other consumers they are fleecing in earning interest in overnight funds ( but not paying interest to the rightful owner of these funds ) by engaging in such practices. The only defense XXXX XXXX could give was that " they would never make funds immediately available against an unknown bank. '' Seriously? There are so many ways to verify the legitimacy of a Financial Institution that it goes to further show how desperately Chase need to provide training for its front line staff and ensure compliance. Please investigate and advise on their practices. They have a " I 'm to big to fail attitude and anything goes ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I closed my Chase credit card account on XXXX XXXX, XXXX to opt out of further rate increases. At that time the interest rate was 7.99 %. In XXXX XXXX the rate increased to 8.24 % ( I do n't know why ) and increased again this XXXX XXXX, XXXX, to 8.49 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX after 37 years of business I had to put my XXXX into Chapter XXXX bankruptcy. We were a XXXX. Suppliers and creditors that had personal guarantees I found a way to pay. CHASE would not except the bankruptcy and insisted it was a personal account even though they had been sending the statement to the corporation and was being paid by the corporation since XX/XX/XXXX. I tried to work with them. Sent letters. Had my attorney send letters, talked with them on the phone. They would not work with me even though the card was only used for business. When there reporting got to the credit rating agencies it was not possible to hold the high personal FICO scores we had prior to the Chapter XXXX on the corporation. We were turned down on lower interest rates for our home and it was very difficult to get new credit at all the first year. In conversations I had with there customer service they would say they new the card was used for business but they could not help me. They finally sent me a XXXX which made it income to me, but did not do anything to remove it from the credit reporting agencies. I feel CHASE did not operate in a business manner for this account and would like them to remove it from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
hope your help in this case. in 2010 I short sale my house because the bank chase threatened me with foreclosure, stop payments for 9 months. the sale was for $ XXXX but the debt was for $ XXXX bank recognized $ XXXX just stay with debt of $ XXXX and I did foreclosure by that value. They ruined my credit and my life. nothing I served the short sale. even this appears on my credit report. how do I solve it? thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase reduced my credit line from $XXXX to $XXXX, even though the balance on the account was only $XXXX.  I have been a customer for a decade and have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union is a horrible. This was done via website. I was declined twice for a small amount of about XXXX money transfer united states to vietnam. 1 ) declined using credit card cash advance method. I verify that my cc issuer did not decline this. It was declined after they called me and asked a few personal questions which i answered. 2 ) declined using WU pay. i paid upfront through bill pay service of my bank. After the funds cleared they decide to call me and basically ask the same personal questions. after a 20minute conversation, they decide to decline my transaction. no reason given on both occasions. i will never use western union again and they will always get negative reviews to anyone who will ask my opinion. 1 ) no money could have exchanged hands if these questions were asked during the creation process of this money transfer. 2 ) refund of wu pay takes 7-10 business days and i never received notification of this transaction being declined by phone.. i had to call back and ask. I still have not received notification of transaction being declined. now there is {$300.00} pending 7-10 business days for a transaction that took me 1 business day to clear. I asked why? they mentioned international transaction, which i think is a load of XXXX. the money should not have went so far, only to the bill pay address of a XXXX XXXX XXXX ohio ... and this is an electronic transaction.. bottom line, all of this is a waste of time leaving me the consumer having funds witheld due to westerns union 's erroneous policies. First of all, i did not even know there was an approval process to send my own money to a person i know. Secondly, what was the purpose of asking question and then declining on my behalf??? ridiculous..Now that i know this, i realize how stupid there transfer process is. All of this could have been prevented if the approval process was plainly stated before creating the transfer. In other words, the questions that they asked me, why could n't they ask me before i handed over my credit card and paid via bank bill pay? this is load of XXXX and a huge waste of time. i will find services elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a Chase credit card in XXXX with an APR of 19.99 %. In XXXX, my card went over the limit by few dollars because a transaction was posted late. I paid the balances immediately. However, Chase started charging me penalty APR of 29.99 % because I went over the limit by few dollars only once. It has been almost 8 years since that incident and Chase has not revised my APR yet. 
I have contacted Chase twice in last 3 years I was told they do review lower APR eligibility every 6 months. I asked the representative what should I do to qualify, he told me to sign up for auto pay and keep my credit in good standing. I am enrolled in auto pay with Chase for more than 2 years and my credit score on all three bureaus is above XXXX addition to a good credit score, I also confirmed that across my credit reports : 1 ) No negative comments/marks ever. 
2 ) Never missed a single payment on any of the accounts. 
3 ) Low balance to credit ratio on revolving accounts ( XXXX25 % ) Interestingly, I have another Chase card on which I am being charged 19.99 %. Also, when I am logged into my Chase account, I am told that I am pre-qualified for a Chase Slate Card with 13.24 % APR ( including prime ). If I can qualify for a lower on an existing card and an even lower rate on a new card, I am not able to understand why Chase is charging me more than double interest rate on my existing card? I believe Chase is more interested in getting customers to open new accounts. 
The only reason I have not closed this account yet is because it is XXXX of my oldest card on the credit history and Chase knows closing the oldest account will adversely affect my credit score.The lenders see a 29.99 % APR account on my bureau report, they could consider me a risky customer. 
I would appreciate if Chase can provide an explanation on why am I being still charged a penalty rate while Chase is offering me much lower interest rate on a new product. 
I hope Chase also considers my relationship of 8 years with the bank. 

I also contacted Chase explaining the whole situation above through customer service and " We 're listening '' program but they gave same old response " Chase reviews account every 6 months and I do n't qualify ''. 
They did not provide me an explanation on why I qualify for less than half APR on a new card ( screenshot attached ) and not on the current Chase XXXX card. 
I called up Chase to follow up further and this time a senior representative mentioned Chase does n't revise APR at all. 
It is hard to understand why I would get an exceptionally good rate ( probably lowest ) on new card and at the same time I am charged highest possible interest rate on new card. 
I request CFPB to look into this issue with Chase and ask them to be more consistent and clear in their response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please direct this to XXXX XXXX XXXX office, executive board at Chase. The USDJ/FBI has background, XXXX, IRS estate tax proceeding obstacle as to why my XXXX lifetime credit score was impacted, beyond control. Very complex. 

Recently, opened a Chase Account -- Intend to make good XXXX day. I have appreciated the credit card for personal, trust and businesses. Wish to restore honor, now and to the future. 

QUESTIONABLE CHASE EMAIL : This morning, an insufficient funds notice was received -- XXXX -- XXXX/XXXX/XXXX. 

I went to check an ATM -- plenty of funds. 
Hundreds. I carry figures in my head -- along with on-line banking. Daily, I know how much approximately is in approximately XXXX business or trust/ personal accounts. It may be that Chase is too slow at registering deposits as it appears this is a real error on Chase 's calculation -- which may XXXX day clear. Today, plenty of funds. No reason for the insufficient funds email. 

I believe that Chase downloads with many transactions that can be pending for days, to include cash deposits could be greatly improved in speed. 

This has happened at Chase Prospect/ database, as well as in XXXX XXXX I believe that, as an example, if a client withdraws {$100.00} cash from the ATM -- overnight calculation is quick enough across the board. It seems that when the statement of XXXX last transactions is printed sometimes at the ATM, there could be a list of " Pending Transactions '' that one would have expected to have cleared days, maybe even a week or more ago. This may be a setting in the computerized system. I enjoy having the convenience of several bank accounts, with different banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This debt collector keeps on trying to call my father even though they have my number

Company response to consumer: Closed with explanation