vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-29 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Due to identity theft, I chose debt consolidation over bankruptcy. Chase account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Chase has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a payment to Chase on XX/XX/2016. This payment was lost by Chase. The replacement payment was made in timely fashion and I supplied Chase with proof that the original payment was made timely. To date Chase has refused to clean up my credit in spite of the fact that an explanation and proof of timely payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received an email from my bank regarding suspicious activity on my debit card. Somebody used my debit card to make a purchase at a XXXX in Georgia Friday night ( XXXX ) while I was out with my fiancee in XXXX Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Amazon Chase Visa credit card for purchases I made on XXXX. I changed banks and set up my bill pay on a new system. Amazon XXXX said I was late and charged me a late fee. I checked with my bill pay and it showed the payment had been received on the same day it was due and the same day I was charged a late fee. Amazon XXXX did credit back that late fee. The next month I was one day late. I had informed the credit card my newness to my new bill pay but irregardless I was charged a late fee. Because this card had no grace period what so ever and did not take into account my high credit rating or good customer history I decided to pay off the credit card and stop using it. So I paid the credit card off before it was due that next month. With a XXXX balance I had an item to return and that left a credit on my account. I requested that credit so that the account would be XXXX and I planned on putting the card away. Then I get a notice that there is another balance on the credit card that it is interest on purchase. So I contacted them and was told that it was interest from the following month. I could not believe it, the charge did not show up until the very day I asked for the credit balance to be issued to me. They would not take the charge away so I once again paid that balance and now closed the card. I can not believe how they can charge you on a XXXX balance account. I plan to also write Amazon about their endorsement of this credit card. Ive had many credit cards, I have excellent credit and never had as much trouble with any other credit card especially about charges if I pay the balance off. They have no grace period and charge the late fees on the due date and charge a delayed interest on XXXX balance accounts. This just isnt right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I initiated a balance transfer from Chase bank XX/XX/2016. No where did the offer define how much my minimum payment would be. The transfer amount was {$13000.00}. Unfortunately I have been using balance transfers for years and usually minimum payment is very minimal. I was shocked when I received my bill after the balance transfer took place telling me the minimum payment due was {$660.00} First I called the credit card department and was told that was just the way it was. Then I went into my local bank and spoke with a banker and then the bank manager. Both of them looked everywhere, on the bill, the balance transfer offers they send and nowhere could we find how the minimum payment is calculated. The bank manager and banker did call and speak with the credit card department on my behalf as they agreed with me about how could they charge that type of a minimum payment without letting me know. 

Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank, where I have a personal and a business checking account, had a system outage around XXXX EST on XX/XX/XXXX, and I was unable to access the website. I needed to do a transfer to avoid an overdraft, so I called in. After being on hold for quite some time ( I 'm assuming due to the outage ), I was told I should call back in the morning, and they would know the system had been down. Around XXXX, I was able to access to website and I put the transfer ( {$80.00} from business to personal checking ) through. 

Sure enough, I woke up to several overdraft fees, as the transfer had n't posted. I called Chase bank, only to be told by every person I talked to that " there was no outage '' and " the system has been up and running perfectly. '' It was like the XXXX XXXX. If my wife had n't been sitting there listening the whole time both last night and this morning, I would have thought I was going crazy. 

Until I checked the websites that keep track of website outages, and sure enough, Chase Bank had massive spikes in outage reports around XXXX EST. I ca n't explain why they would deny that there was a system outage when it 's clearly documented that there was. Either way, it 's led to them collecting overdraft fees that exceed the amount of the initial deficit. I 'm guessing I 'm not the only XXXX. 

Banks should n't just be able to blatantly lie to their account holders without legal repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint because I feel that Chase/XXXX XXXX is not honoring their part of the agreement with the government. I have been trying to get a loan modification since the beginning of last year. During that time Chase/XXXX XXXX has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year before XX/XX/XXXX, before the economy took a turn for the worst and now I am on Social Security XXXX. I have had to borrow money from family and borrow from my retirement just to make ends meet. I believe that Chase/XXXX XXXX illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Chase/XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed and mailed and emailed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone XXXX. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Chase/XXXX XXXX, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in XX/XX/XXXX and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Chase/XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I do n't want charity, I just want what is fair and right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I own a Chase Slate card since XX/XX/2014.My limit is XXXX dollars.My current balance i XXXX. I am never late with payments.At the begging when I got the card I was sending XXXX dollars minimum payments but I saw no change in the balance..so I started sending double the minimum payment. XXXX dollars a month.Still no change.So, I decided to send XXXX dollars a month.Still no change. I decided to call Chase Slate. Doing the call I was told that my minimum payment was XXXX dollars and my interest was 55 to 66 %, plus they have a fee of XXXX dollars a month that I was not aware of because it was not there when I got the card. That means that even tho I 'm sending way over the minimum payment, the fees and interest takes most of my money..so there is no money left to pay the minimum, so they hit me with a late charge and my XXXX dollars payment is like it never was. Doing the phone conversation with Chase Slate, the telemarketer suggest I should send XXXX dollars a month. I ca n't afford to do that.I think my XXXX dollars payment should be enough because my minimum is XXXX dollars.The interest is ridiculous, abusive and fraudulent. They are playing with my money and I am trap paying a bill that never gets paid even tho I am sending payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Auto loan XXXX, 2012 for {$8400.00} Paid over {$11000.00}. Requested full verification and requested explained how the added interest fees or other charges due that not agree or not permitted by law. Requested & they would not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Found an Hard Inquiry on my consumer credit report from Chase Credit card Entry on my credit report dated XXXX XXXX 2015. Was not written or verbal consent to have that hard inquiry for credit at that time made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a mortgage with Chase. I have never been late on a payment. For some reason they have blocked my access to pay online. If I try to contact them I am automatically forwarded to their default/collections division. Repeat : I am not in default on my loan. So you have to call customer service which has my checking account information. They are basically harassing me and trying to force late payments by blocking my access to pay my account online. I have written to CFPB 2 or 3 times before this complaint but my issue has never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
When recently signing paperwork to open a checking account at Chase Bank, three separate banking staff members assured us, when we expressed concern at the need for a credit check, that the credit check would only be a " soft '' one and not impact our credit. 

However, upon reading the documents I signed, Chase was requiring that I permit a full credit check and/or employment check, at their discretion. 

I am wondering if there is any recourse when verbal assurances are contradicted in the printed governing document, for consumers who are not savy enough to check fine print to confirm what we 've been told, repeatedly? 

Chase should not allow their staff to assure that these checks are " soft '' pulls of an applicant 's credit. To me, this approaches a predatory practice, with deceitful verbal assurances. 

Thanks for any help you can provide.

Company response to consumer: Closed with explanation