vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is formal complaint to express my disappointment with the lack of service provided to me from Chase Credit Card Services after explaining the following complaint with a merchant. 
Merchant : XXXX XXXX XXXX XXXXOn XXXX -- I held my son 's XXXX party with the merchant listed about. The complaint is as followed : A written statement was sent to inform merchant of my negative/positive experience with the food and services that I paid for on XXXX. First the food was great, however, I am very disappointed in the level of service that was provided. Per the contract, the staff was to look after my party and refill buffet food accordingly especially when XXXX XXXX imposes a mandatory 20 % gratuity/Service charge, I expected the service to be great and up to par. Unfortunately, the initial service by the staff was unsatisfactory and was not meet per the contract. Listed below is a quick summary as to why : -- - The waitresses at the beginning were not attentive to my guess -- drink service and refills! Staff did not notify my wife or me when the food was ready so we were not able to inform our guests that they could serve themselves My guests made their own decision as to attending the buffet which is unacceptable. 

-- - Merchant informed us per the contract that someone was going to be alert and keep an eye on the food so when food was running low more food would be put out. We ran out of the XXXX more than XXXX and it took almost XXXX minutes for them to be replenish. -- -unacceptable. brench of contract -- - Also at the beginning when we first arrived the waitress introduce herself and stated that she was going to be with our party, but when we were ready to order some pitchers of beer and our guest trying to obtain refills they were nowhere to be found. This was frustrating to my guests and embarrassing to me. At the end the waitresses were there and they were doing their job and even help cut the cake, but by this time the negative experience outweighed the positive XXXX. 

Overall our experience was OK, if XXXX is going to implement a mandated 20 % gratuity/service charge we expect 100 % service not 80 % not 70 %. At a minimum I would expect some type of adjustment to the fee/tip. Again, the food was great, but the initial service was unsatisfactory which made my husband very unhappy and was embarrassed by the actions occurred. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase did not accept the payment of {$8300.00} that the Florida Hardest Hit program tendered on my behalf in XXXX XXXX. 

I am now making payments ( and my loan is current ) but, by failing to accept the Hardest Hit funds, Chase caused me financial harm. First, I should have over XXXX XXXX dollars off my loan account because Chase should have accepted the funds. Also, the modification was based off a default in the loan payments which the {$8300.00} would have corrected. The Hardest Hit funds would have brought my loan current, and given me the opportunity to avoid fees associated with further default on the loan. 

I only became aware that this money had not been applied to my loan in XXXX XXXX when the legal aid office made an inquiry with Hardest Hit, and Hardest Hit mailed me a letter stating that Chase had rejected the funds. 

I then wrote a letter to Chase 's Research Department ( on XXXX XXXX, XXXX ) to look into why Chase did not apply the Hardest Hit funds to my loan and they have yet to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I submitted a home loan modification for the XXXX time to Chase Bank. I am XXXX military. I currently reside in the home now. I didnt somehow qualifiy for a the loan modification, and I provided all the documentation for the homeloan modification. I can afford the mortage payments but at a reduced rate. Since Chase Bank has decided to dissapprove my loan modification I will file bankruptcy, and in addition I will file a law suit against them as well for damages. I provided documentation in my loan modification stating my hardship. I asked for the audit report from Chase Bank and the orginal loan documents for the property stated at XXXX XXXX XXXX XXXX XXXX, Co XXXX. I have yet to get any paperwork for my house. The Chase bank wont except my checks even though the property is under my control. I have been foreclosed on once as XXXX military and I have had been force out recently by the XXXX and court appointed reciever. Chase bank will not allow me to use the equity in the house to catch up on my current expenses so I can have a lower payment as well. I want the occ bank regulators and the federal government to look into the XXXX program for Chase Bank. I will no longer talk to Chase Bank and at this time I will pursue bankruptcy proceedings and file a law suit against Chase Bank. Until I recieve an audit report from Chase in reguards to the home loan modifcation I dont want to talk to anyone. Lets just get media attention for this and in addition I will file a congressional hearing with the department of justice for violations of the SCRA because I am not suppossed to be forced out of my home for any reason. So since I made a complaint to Chase bank my home loan modification was denied and the bank does not want to provide me the documentation I previously asked so therefore Chase Bank has no proof they own my home. So I am requesting that the federal government and XXXX look into my request in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies XXXX Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank held a $ XXXX HELOC on my house when I filed for Chapter XXXX. In the course of the Chapter XXXX the Chase lien was stripped. I am now refinancing my primary loan and received a call from the title insurance company who said they could not verify that Chase has removed the lien. I have since recontacted my attorney and collected the confirming paperwork. My attorney verifies in no uncertain terms that the lien was stripped. Chase has now agreed to a payoff of {$1.00}. So it appears to me that all this time ( about four years ) Chase has held on their books this lien on my property as an asset rather than having done the paperwork to write it off. If this a widespread practice at Chase, and I have no reason to believe it is not, Chase books are overstated and Chase is likely over leveraged. And though the {$1.00} is no big deal, why is it that there is any payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My mother has a credit card account, and she listed me as an authorized user. At some point, the credit card upgraded me to a co-user, which I did not consent to or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Our house flooded XX/XX/2016, our insurance company mailed the check to us to sign and then mail to Ocwen Mortgage Claim department. They have had the check since XX/XX/2016. Our house has been done since for 2 or 3 weeks. We have been trying to get the money from the mortgage company for the contractors for a month now and they come up with a new excuse every week. I have called there everyday for 6 weeks they said a inspector had to come out when the house was XXXX % and XXXX % done. We have requested an inspector several times and nobody contacted us. I filed a complaint with there complaint department and they did call me back they said they were going to wave the inspection since the house was done and we were living there. They told me that would take 3 to 5 days to do. Then an inspector called me Wednesday XX/XX/XXXX and went and looked at the house said it was XXXX % done and sent in his paperwork that day. Today is XX/XX/XXXX and the mortgage company is telling me they have n't downloaded it yet. They have told me that Sat, Mon and now today. My contractor is threatening to sue us because all of there money is tied up on our job $ XXXX and they have been done now for weeks. I have called and spoke to someone everyday, They told me today to call back next week and I can find out where they are. I have heard this for so many weeks. I have left messages with supervisors and managers several times. Nobody calls me back at all. I am just stuck and do n't know what to do. I am already being sued for {$1300.00} from the 1st contractor that we signed a contract with because we had to cancel the contract because they could n't get any money from the mortgage company. So we hired a second one and they have done the whole job with there own money. The mortgage company filed sent them {$10000.00} on XX/XX/XXXX and the job was XXXX % finished. We had requested that a month before that. I do n't want to get sued again and the contractor does not want to do that but they need there money. Our insurance company has closed our claim 2 weeks ago and said they ca n't help us the mortgage company wo n't talk to them. I am hoping you can help me. I do n't know what else to do. Our local bank suggested calling you.

Company response to consumer: Closed
Consumer complaint received 2015-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC
State: OH

Complaint narrative:
My mother was returning calls and taking messages for me letting people who were contacting me know that I have been XXXX A call came through to my phone ( that I now believe was a cell phone, not business ) from a lady named XXXX and my mother immediately called the number back and spoke w/ her. She proceeded to tell my mother where she was calling from, what she was calling about, the status of my account, how many days past due I was ( which was 33 at the time and was said to be almost 60 ), and that I was in jeopardy of being sent to recovery. She then proceeded to get bank account information from her. There is no one authorized on my account but me and not only did this embarass me but caused an verbal altercation between me and my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COAST PROFESSIONAL, INC.
State: NJ

Complaint narrative:
A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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 Bank ( personal account ) allowed the TX Attorney General to freeze my bank account where the only income is my VA XXXX check ( can not be apportioned asper 31 CFR part 212 final ruling XX/XX/2013. I have no other means to support myself or my family. Chase is fully aware the money is coming from the VA, yet they still choose not to follow the law.

Company response to consumer: Closed with monetary relief