vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has reported my home loan as paid XXXX balance included in my bankruptcy. My home loan with chase was excluded from the bankruptcy. I make monthly payments and have never been late & I have a loan balance. How can they report a XXXX balance and that I have not make a payment since 2013 when I send them a check every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).

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

Complaint narrative:
Chase, like many banks, offers special promotional rates tied to its credit cards. Though they send out voluminous emails, and it would be easy to include a reminder to consumers, they bury the " due date '' to pay the balance in full and not incur interest on the last page of their paper or PDF statements likely hoping you 'll run over. One might be tempted to call this a " scam ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mortgage was sold to Everhome shortly after I closed, and their customer service has always been awful. When refinancing, I was in a hurry and thought staying with the same company would be easier. They told me that I had to pay {$420.00} for an appraisal, which would be refunded at closing, along with many other incentives that I was promised. Everyone I dealt with then proceeded to drag me along for months with false promises and lies. One day I 'm told everything is ready and we should be closed by the end of the week, and then the next day I 'm told that they need more information and we 're not even close. They repeatedly dropped the ball and failed to follow up, and when I finally got annoyed I was insulted by the loan officer and told that it was my fault because I am a business owner without enough income which, after months of phone calls and emails, was news to me. This entire process was frustrating, time consuming, and insulting, and now I 'm stuck with my higher rate, awful customer service, and out the {$420.00} I paid for the appraisal, which was much higher than other banks but I agreed because I was told the money would be refunded at closing anyway, but after months of being strung along that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I attempted to purchase a sample product from the XXXX XXXX cosmetic line. When I completed and submitted my information, the notification indicated the company as XXXX XXXX. When I realized I was taken/defrauded there was no way to cancel the order. The initial charge of {$4.00} was charged to my credit card. Ten days later I was charged {$98.00}. I contacted Chase and notified them of what happened and directed them not pay the charge. I was assured the charge would not be paid. However, after five months of waiting on the credit and calling every month, XXXX XXXX at Chase indicated I had to start the process all over again and submit my issue in writing. Since XX/XX/XXXX I have spoke to XXXX different Chase employees and I was told each time that they were sorry about their error and assured me the credit would be posted to my account. Now five months later I have to start all over again. When I asked to speak with someone in Management, XXXX informed me that management does not speak to Chase Card holders and he had the final say - which was start the process all over again. After five months of explaining what happened and Chase employees assuring me the credit would be apply to my account, why did Chase lie to me? XXXX XXXX made it very clear that Chase has no intention of assisting me in this matter. XXXX has all my information. XXXX can directly come after me for reimbursement if they truly felt they had a case against me. However, with Chase paying these erroneous charges, it only supports these companies scamming consumers. Once again, Chase refused to honor my request and paid this charge. I should not be held responsible for this charge. Chase should have honor my request not to pay this charge and my account should be credited {$98.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in 2013 my account was closed by your company. I was not given a good reason but I expect that is was due to the chargebacks. In 2013 I had my identity stolen and majority of my card numbers compromised. This was a nightmare for years to follow. I had to file police reports, have a notorized copy of FTC, and have my credit report frozen. Since then my accounts have had no more fraud, my credit still remains frozen because i am scared of unfreezing it. Now Chase treats me like a victim and will not allow me to have an account. They simple state that we do n't have to let anyone open an account if we do n't what to for any reason. This is not right!!! I did not do anything wrong and once more I am the victim. Please have someone help me. They are required to give me a satisfactory answer!! THis is not right and everyone at the exceutive office wont help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I had my Chase Credit cards canceled without warning or notification. Upon calling to determine the reason I was told a letter would be sent explaining why and that no one would be able to inform me over the phone why my cards were closed. When I received said letter, it only informed me that my money market, savings, business account, and credit cards would be cancelled. No explanation given whatsoever, I have attempted to request at a local branch, but again no information is given. I am confused as I have all my accounts in good standing, do not engage in illegal activity, my payments are made on time and my credit score ( is/was ) above XXXX. I am more upset that despite my good standing a card can be cancelled without warning, this would have been extremely dangerous were I traveling abroad or in some medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My mortgage company ( Chase Home Finance ) decided to do a XXXX balance/ Forgive the loan on my mortgage. They never contacted me to say or ask me about it, they just did it on their own. They started rejecting my payments all of a sudden. It took 3 months of me calling to find out what was going on. They used a foreclosure method for the process, never letting me know that it was going to hurt my credit report. They caused my residential home insurance to go up due to the negative marks on my credit report. Strike one! Then since they rejected 6 months of payments, now that has a negative mark on my credit, Strike 2! then they did a charge off on my credit which again is a negative mark on my credit. Strike 3! How is it that this company can decide that the cost of maintaining my mortgage is more that what the value of the loan, and then decide to do a XXXX balance or forgive the loan and I have to pay for it? This seems illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Other financial service — Check cashing
Issue: Excessive fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was a Chase credit card customer and there was fraud on my account, and Chase employees did not shut my card down after I informed XXXX different people it was compromised. This made the cards vulnerable for additional fraudulent charges, which did go through. Instead, Chase acted only after the CFPB became involved XX/XX/XXXX of 2015. Chase retaliated against me by closing all XXXX my credit card accounts. Ironically, I won ALL of the fraud cases, so by Chase 's own admission, the transactions in question were not made by me. I had never been late on payments on any of the XXXX cards at the time that Chase closed my accounts in retaliation. However, they shut down my ability to make payments on the closed cards, and multiple Chase employees on the phone and XXXX in the XXXX Texas branch REFUSED to accept my payment on XXXX XXXX, 2015. I overnighted a check to Chase, and they signed for it on XXXX XXXX, XXXX the due date- but they failed to post it to my account for nearly two weeks, resulting in finance charges and late fees and damage to my credit file. Chase orchestrated the entire situation of refusing to accept my payments and intentionally held the mailed check past the due date in order to profit off of me by way of finance charges and late fees. Chase also retaliated against me in XXXX of 2015 for reporting them to the CFPB after they failed to protect me from fraudulent use of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Mortgage company charged my account double and has not worked with me to get the money back to me in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.

Company response to consumer: Closed with non-monetary relief