vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX I entered into a repayment plan on a second mortgage requiring me to make an initial payment of {$1100.00} and remaining payments of {$710.00} between XX/XX/XXXX and XX/XX/XXXX. Although I submitted each payment via Chase Bank cashier 's check on time, Chase began denying my payments just before the end of the repayment agreement. Chase Bank returned the payment for XXXX XXXX claiming the payment plan was rendered inactive on XXXX/XXXX/XXXX due to missed payments for the months of XX/XX/XXXX and XXXX XX/XX/XXXX. The payments for these months were processed and sent by Chase employee, XXXX XXXX - Relationship Banker XXXX ID : XXXX. Apparently, Chase Bank had credited these payments to another account but with the assistance of Branch Manager- XXXX XXXX , we were able to correct this error and have the payments allocated and posted to the correct account. 
Branch Manager, XXXX XXXX as well as myself, expected the account to be returned to good standing after confirming the payments were sent to and received by Chase Bank, as well as these payments being properly posted to the account. 
On XXXX XXXX, XXXX I received a letter from Chase Bank ( dated XXXX/XXXX/XXXX ) stating that my repayment plan could not be reinstated because, although XXXX XXXX and XXXX XXXX payments were received and posted to my account, the payment for XXXX XXXX was missed and this would have also resulted in the cancellation of the repayment plan. Chase Bank went on to send a copy of my payment history and according to their own records the XXXX XXXX payment was received and posted to my account as XXXX-FORCE REG PMT INTEREST. 
At this point, with all the investigating and assistance from both XXXX XXXX and XXXX XXXX, there is no question that all payments were sent to and received by Chase Bank and I have in no way defaulted on the contractual agreement. This latest communication from Chase Bank, continuing to reject the legally binding contract entered into on XX/XX/XXXX, for no justifiable reason, is proof of fraud ( A False Representation Of A Matter Of Fact ) on behalf of Chase Bank. Chase Bank has met all elements considered when determining actual fraud : 1 ) Made a false statement of a material fact 2 ) Completely aware that the statement is false 3 ) Clear and unquestionable intent to deceive 4 ) Justifiable reliance by victim on the statement made by Chase Bank 5 ) Financial injury caused by Chase Bank 6 ) Communication by U.S. Mail constitutes Mail Fraud I am requesting the CFPB investigate these allegations and bring this to the attention of the Federal Authorities. Chase Bank has made every possible attempt to default on the contract under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are multiple fraudulent charges on my account. After multiple representatives telling me the case was taken care of and the stolen money being deposited back into my account the case was somehow transferred to someone on the escalated team, XXXX at XXXX. XXXX. She proceeded to tell me that these are not fraud and that I must have dealt with them before. When I explained that is not the case, she became sarcastic and told me I was lying. I asked for some sort of proof from the companies that she found during her investigation and XXXX stated that she did not need to investigate because she did not believe. She said that because other people had done business with them I must have too, which is not the case. When I attempted to notate what she was telling me and asked her to slow down because I was doing so she started to get loud and hung up on me. A few days later I received a letter from Chase stating that every charge in the fraud case had been closed in the companies favor. However, XXXX refuses to allow me to talk with another representative about the case or investigate the charges as they are required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I 've had a chase credit card since 2010. I 've made timely payments, in full for years. I started a new company, and my credit card balance went up to {$28000.00}. I went over 60 days on missed payments. My APR went from 15 % to 27 %. My monthly minimum is {$980.00}, which I have now made 8 consecutive, on-time payments. {$700.00} is going towards interest, $ XXXX is going towards principal. I CAN NOT reduce this bill, or get to my maximum credit limit of {$26000.00}. Chase will not remove my penalty APR. i 've called every month, and they continuously tell me they will not, nor will they ever remove the penalty APR. I 've paid {$5000.00} in interest this year alone. This is a heavy burden. By going back to my normal APR of 15 %, will drastically help me reduce my balance. At this rate it will take years to pay this credit card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to claim # XXXX in which I disputed JPM claims that they do n't recognize or could n't find any loan on XXXX XXXX XXXX XXXX XXXX. I 'm still waiting for their response regarding : ( 1 ) Indicate whether apartment XXXX was one of the apartments pledged as collateral ( 2 ) The loan was originated by XXXX but then transferred to an Investor who used JPM as the servicing agent. Please indicate the promissory note owner. 
( 3 ) Date loan was fully paid off. 
( 4 ) Status of the lien release To assist in identifying the loan I enclosed and I am enclosing below copies of loan documents, XXXX filed as the servicer as well as copy of a check the corporation issued in payment of one of the mortgage installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the XXXX through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This is a short sale. We have a very unique situation on this property. The owner signed a Deed of Trust with a man named XXXX XXXX XXXX, a business partner. However, he thinks she signed a vesting deed giving him 50 % ownership. That is not the case and the title company has confirmed. At XXXX point the seller XXXX gave him authorization to speak to Chase, which has since been revoked. This is relevant as he is currently occupying the property and has sent threating voice mails to the seller stating Chase has given him authority to live in the home through the end of the year on her dime. In the meantime we are trying to submit an offer to Chase for short sale review. The current buyer is cash and understands the title issues and plans to file a quiet title lawsuit against the renter/partner to remove the unsecured Deed of Trust from the property and remove him from the premesis. I have been trying to obtain a soft decline in Equator to upload the new offer since XXXX/XXXX/15. You will see in my notes the numerous attempts to have an offer task sent to us to upload the new offer including management escalations and there is nothing but ignoring our request and non response. I am a short sale facilitator of 8 years and constantly tell my clients the process is not a conspiracy but simply the process. But after the threatening voice mails and then this behavior by Chase, I am starting to think there is truly something going on behind the scenes to prevent our submission of this offer. I just need Chase to do their job and send us an offer task and start review of this cash offer that is the ONLY offer that would take on this title vesting issue! It almost seems like they want this property back. Just at a loss on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several accounts with JP Morgan Chase. I received a notice on XXXX/XXXX/2015 that my mailing address was changed. I have been using my P O Box address for more than 10 years. In fact, I never requested to change my mailing address at all. Chase changed it without my approval and authorization and claimed that is " a protection to me '' which I totally disagreed. I called on XXXX/XXXX/15 and talked to XXXX ( supervisor of CA Banking ) and opened the case number under # XXXX. I needed to know who made such mailing address changed requested without my approval. That is the reason XXXX opened a ticket and someone would contact me. XXXX/XXXX/2015 a research support lady name XXXX XXXX at XXXX x XXXX called me. She is not helpful at all and claimed changing address from my mailing address to my residence address without my authorization is legal and is a protection to me. I totally disagreed. Customer has the right to use different address and bank shall respect the customer 's decision. I never request to change and someone changed for me and XXXX still claim that is legal and benefit to me and not feel nothing wrong for Chase 's overwrite at all. In addition, she kinds like a threaten to me by saying " Do you want to have a banking accounts with Chase? '' Sounds like if I do n't satisfy that changed address without authorization and I should cancel and close all my accounts with Chase. That is so ridiculous and unprofessional. I told her that I will file complaint to CFPB because that is totally unacceptable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been trying to get a refinance with chase since XX/XX/XXXX, and lost my job XX/XX/XXXX, and file a Harp with them, and since all the paper work they ask for and they said I was not approved, all I want is for my interest rate to be reduce from 8.25 % .I only owe them {$85000.00} and I talked to one customer service agent 2 or 3 weeks ago, I was told that my home was appraisal for {$110000.00} when it gets to XXXX they talk to me.I though this was a '' good faith '' loan, do they do all their customer this way.They foreclosure on me without informing me through a newspaper XX/XX/XXXX, and Tn.Homes save my home.I have a partime jod now and my SSA , my income is sufficient enough to take of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to chase bank XX/XX/XXXX to withdraw {$440.00} dollar and i saw the money came out by the time i take the money out of the atm the machine took the money back. And i went to the next atm saw my remaining balance. Which means XXXX was withdraw on my checking account.balance I called chase customer service and was told i will get my refund within 12 hour. The next day which was XXXX i called again was told i would get my refund with 24 hour. Ok on XXXX i called was told it will take 3- 6 business day to review my claim. I called yester day was told that it will take more than 6 days to review the claim and unsure i would get my refund. Usually it takes a few hours to get a refund from chase. Iam wondering why is it taking so long to get me my refund?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I 'm currently attending school ( full-time ) and my student loan servicer, NelNet, continues to say I 'm late on payments, although my payments should be deferred. My school has contacted NelNet multiple times and they have provided confirmation that I 'm currently in school but NelNet is not following correct protocol. 

I have tried to reach resolution with NelNet with no success, as they continue to say they do n't have confirmation I 'm not in school, despite myself CC'ing a school representative, where they 're providing information stating I am in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, Chase is the XXXX lien holder for this file. The offer was made and present in XXXX 2014. In the process of Chase reviewing the file for XXXX lien approval, I was able to obtain XXXX lien approval and it has already expired. I have a log which shows how Chase has continued to delay this file. 
XXXX - package sent via faxXXXX- 72 hours to be assigned to XXXX -activated for short sale, assigned processor, set up in XXXXXXXX- UPLOADED OFFER AND SUPPORTING DOCS TASK COMPLETED. 
XXXX req status of short sale from neg via XXXX - req updated bank statements, paystubs and bpreapplXXXX- req updated b preappl - GETTING COND XXXX req lox for condional appl, req updated XXXX bank satements from s, uploaded otherdocs to eq and sent message to XXXX uploaded bpappl, and XXXX bank to library - sent message to neg that they were added. 
XXXX rq status via eq - pending bpo and then to qc for reviewXXXX- req status via XXXX - req status via XXXX req status via XXXX in with investor for XXXX processor assigned, if anything needed they will ask, otherwise it will be asinged to neg. 
XXXX -- XXXX we are waiting for a negotiator to be assigned, all the docs that we received on XXXX are uploaded and in the file library. She was going to message the processor on the file to let them know that we need to get this moving since we have the XXXX mortgage approval. 
XXXX reached out to XXXX reached out to manager again. all tasks completed, not sure what the holdup XXXX - uploaded XXXX - sent request for status.. 
XXXX - internal em sent to neg/susp. 
XXXX sent message in XXXX - need buyer XXXX - uploaded buyer POF, requested status and XXXX - sent reqeust for status in XXXX resent buyer POF, lender ordering XXXX - several does NEEDED from XXXX but buyer is threatening to cancelling the deal

Company response to consumer: Closed with explanation