vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Add-ons to CFPB Case numbers : XXXX and XXXX How could my {$2100.00} check disappeared without trace as what XXXX XXXX XXXX, XXXX and his other Branch Bank Reps told me on XXXX/XXXX/16 at the local Chase branch office ( Chase @ XXXX XXXX XXXX, XXXX, NJ XXXX ) where the Chase ATM XXXX is located? It might be a possibility that someone purposely removed my {$2100.00} check from the Chase ATM XXXX since XXXX/XXXX/2016. That would be criminal and Chase Bank should track down that person who is responsible for this incident. The Computer System in the ATM should be able to create/generate logs from the deposit since I made the deposit around XXXX XXXX on XXXX/XXXX/2016. The ATM printed out a receipt after the ATM swallowed my {$2100.00} check without crediting {$2100.00} into my Chase bank account. As I witnessed, the ATM system was shutting down by itself after the receipt was printed, then I saw Window 7 Operating System Logo at the bottom of the ATM screen, then ATM rebooted itself. After the reboot was done, the message of " The ATM has experienced a Technical Problem '' displayed again on the ATM Machine 's Screen. I called the Chase Claim department at XXXX ( shown on the receipt ) immediately to file a claim right away and spent some time to explain clearly what happened to my deposit failure with the Chase Claim Specialist, but I am uncertain if the Claim Specialist who answered the call the first time was responsible and wrote down or recorded what I reported to her in greater details to help the research and investigations. 

QUESTION : Who has the solid background that can work and solve this problem with a concrete resolution for this ATM Deposit Dispute at XXXX XXXX on XXXX/XXXX/2016 that I made? It requires a team of very experienced Engineers to look at the ATM Computer logs and all video feeds to analyze, find the check, and know what had happened to the check that I deposited at XXXX XXXX EST on XXXX/XXXX/2016. This incident should be traceable as it ate my {$2100.00} check without crediting my Chase Bank Account, and the computer logs should be captured by the ATM computer system if the deposit is failed and I have a printed receipt to show. If not, I would really question the DESIGN of Chase ATM system that simply could not handle deposit failures like this. This is a failure of JPMorgan Chase ATM XXXX and JPMorgan Chase Bank , N.A . should take all the responsibilities and improve their ATM as soon as possible to prevent more Chase Customers from suffering losses ( both checks or cashes ). Do you build the reliable ATMs to allow customer to use it? Most of all, I need the {$2100.00} to be credited permanently from JPMorgan Chase Bank , N.A . and this matter can not take lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposit a check to Chase bank to one of their Teller on Monday XXXX. XXXX and it was saying depending. The next day on XXXX XXXX I check my account threw my text and it said chkXXXX avail {$190.00} at XXXX and the I check again it said chkXXXX avail {$10000.00} at XXXX. I paid some bills threw the online banking and then went to the bank to get a new debit card and get money out and they tell me the check is still depending. How can it it is depending when I look online it say available balance still there of {$5200.00} and all the bills i pay online when threw. The banker at chase put a hold on all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I desired to have a " work at home '' business. So, I formed a lot of accounts with companies on the internet, ( most of which were at the " free '' level of the services ). Then, because I do n't know how to budget my money like a professional, I got into debt and had to go to XXXX. Now, about a few years later, I am still receiving many emails with claims from companies who claim that I used their services without paying them, even though I never really used their services for anything. I sent a complaint to XXXX and they are trying right now to assign me with a knowledgeable attorney. The idea is to write a letter to the bank, ( which is JP Morgan Chase bank ), that I want to remove my authorization permanently from scams that have been perpetrated on my debit and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit card company refuses to close account, and states I must call an international number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Years ago, I got a credit card with my then fianc. In XXXX, we split up. I called Chase and asked what I had to do to be removed from the card. I was told that I had to fill out some paperwork and have the primary ( my ex ) sign that I can be removed. This was done and sent in. In XXXX, I got a job that did a credit check. They came back that I had a Chase card in collections. I never received anything from Chase via mail or by phone. So again I called Chase and asked them what I had to do. They told me to send in some more information, which I did. Again, I did not receive anything. Recently, I applied for pre-approval for a mortgage. I was told that it was on my credit report, in a charged-off status. I again called Chase. This time I got a women that kept telling me that I can not be removed and that it was against their policy to remove the secondary even if the primary gives permission. She got ever snotty with me when I told her that years ago ( XXXX ) I was told I could. She told me that they have my paperwork but it is against their policy. I asked for a manager and she told me that there was not XXXX there. I told her to make sure that the conversation in XXXX in reviewed and she said that it would not matter because it was against their policy. I want to be removed from this account like I was told I would be years ago. I never used the card. I never received anything stating that it was not getting paid. I never got a phone card or any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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:
Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
Lexington Law firm has been charging me for services and not affectively delivering me the results that they promised as far as deleting the credits that was once off by them, but is some how is now back on my credit report. And they have been charging me XXXX a month instead of XXXX a month for charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We appreciate your taking time form your busy day to advise us on this minor detail. 
In 2013, we paid our credit card balance ( less than {$100.00} ) 30 days late. 
Now, going on four years later - this late payment remains as the one and only late payment in our entire credit history spanning decades and 100s of creditors. 
The negative impact of this singular and isolated incident on our credit, on our cost of insurance, on our cost of borrowing - goes far beyond any reasonable penalty for such a minor infraction. Further, continued reporting of this issue contributes nothing to the intended purpose of such reporting, i.e., exposure of higher risk associated with our use of credit. 
We have made several attempts over these years to request assistance from Chase - each time, receiving a different and purposefully ambiguous reason for their inability to make sense out of this non-sense. 
As you have time - would you kindly provide direction as to how we may best resolve this issue? 
Chase Executive Office XXXX OH XXXX Mail Stop OH XXXX Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Lender rejected appraisal report prepared by licensed appraiser contracted and paid for by XXXX XXXX XXXX recommended by the same lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
This complaint is being written due to the nature that this company conducts business and the tactics in which they have attempted to scare and create fear. I completed a title loan with this company a little over a year ago. I made payments per the agreement each month until XX/XX/XXXX when I was forced into XXXX and unable to work. During that time I attempted on numerous occasions to try and rectify a remaining balance with this company for about {$1100.00}. Due to my unemployment circumstances I was only receiving a small amount of money a week from the state. I contacted this company and have been verbally abused, treated unprofessionally, and threatened with legal action up to and including jail by this company and its affiliates. I have tried numerous times to pay this company {$100.00} a week from my unemployment compensation until the balance is paid. Which per the amount would be just shy of 3 months. However over the past 30-45 days I continue to receive harassing phone calls by the company refusing to accept resolution payments, but also by the recovery company which they have hired that continues to call me at various hours outside of the FDCPA allowed XXXX-XXXX, making threats of Jail and Lawsuit. Going so far as to represent themselves as a state/federal agent for the purpose of threatening and attempting to instill fear and confusion. I am absolutely appalled that a company would not only flat out deny money being paid to them, but do so in an attempt to make erroneous statements and cause undue stress and frustration. If they are unwilling to accept resolution options than I am at a loss for how else to rectify this situation and stop these repeated threats and harassment. No company should be able to attempt to bully a consumer, especially when the consumer is trying to resolve the issue, just in terms that may be more specific to my needs at this time. I am not attempting to avoid the matter but can not continue to deal with the stress and aggravation of dealing with a company who refuses such resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DLC, LLC
State: SD

Complaint narrative:
My identity was stolen and a loan was open using my ID and other information. I have mentioned this to Dollar loan center as well as provided legal documents. This account has been reporting for 6 and half years and should be deleted. Also the account is showing closed with no closed date populated on my credit. It is reporting as a collection item with {$920.00} balance. This is preventing me from getting a home loan and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a letter from XXXX dated XX/XX/2017 stating the following : Dear XXXX, You have already paid XXXX {$3700.00} and we want to help you resolve this account once and for all. Call XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time XXXX. would like to thank you for paying {$3700.00} signed XXXX Division XXXX I called XXXX to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

Company response to consumer: Closed with explanation