vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had ordered a set of home theater recliners from XXXX XXXX on XXXX XXXX, XXXX. 
When I found out the order did not come with white glove delivery I cancelled the order. 
The item had not been shipped by the vendor and I did not receive anything. 
According to the merchant ( XXXX XXXX ), the credit was issued on XXXX XXXX, XXXX. 
I had set up a dispute through Chase bank the card issuer. 
I have made several calls to the Credit card company inquiring about the status of my dispute. 
Initially I was told by the Chase that the credit will be applied on the XXXX. 
When I did not see the credit on the XXXX, I called again and was told it is under process. 
Now when I called today ( XXXX XXXX ) I was told that nothing has been done and they need to enter the information again. 
I also made several calls between them. Please get all the recordings of my calls to find out how the representatives, supervisors there are lying or are totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I 'm not certain if this is a USAA banking issue or a general banking issue, but it is an issue. I deposited a check via mobile banking on XX/XX/XXXX. I should have shredded the check right away but USAA said it could take 3 business days for them to accept the deposit. I set the check aside, then XXXX happened. On XX/XX/XXXX my husband saw the check and thought I had n't deposited it yet. He took it to a local bank and somehow it was deposited into a seldom used savings account. Neither my husband or I realized this had occurred. On XX/XX/XXXX USAA deducted the deposit that was made on XX/XX/XXXX from our account and said it was a duplicate deposit. They could n't tell me anything else, where and when the other deposit was made, etc. Of course, my first thought was that someone must have stolen the check and deposited it somewhere. I looked at the details of the XXXX other checking accounts we have and there was no duplicate deposit. I did n't think to look in that savings account as the only transactions there are automated savings deposits and we do n't even have deposit slips for it. However, to be sure I pulled up the info on all of our accounts including that one, and there it was. How it went there is still a mystery but that 's our issue. My point is that while the mistake was absolutely ours, in these days of so much theft and fraud it would have been helpful if USAA could have given us the information about the duplicate deposit - bank and date of the duplication. If it is a Federal rule to either not provide that info to USAA or to not allow USAA to provide the info to the consumer, maybe that can be changed. Thank you for considering this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was activated and protected under XXXX during in 2008 my income was cut in half and I was unable to make payments. I disputed the charges that were being charged and after chase reviewed the charges that were outstanding they sent me a check in the amount of {$800.00}. These errors were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.

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

Complaint narrative:
In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
the year XX/XX/2007 I sighn a contract for sale my house by owner with my tenant rented my townhouse for 3 years. I agreed my XXXX XXXX XXXX to be a buyer lawyer. I find out my contract was again my agreedment. fisrt : my tenant hire a realtor agentAttorney XXXX, second I have to lie to the Hud loan program that I receive {$110000.00} ( {$110000.00} ) so she can pay to her realtor agent {$6000.00}. My tenant 's XXXX used to ask me buy my house with {$160000.00} by 24 Karat gold. at that time XXXX received welfare and food stamp. I call to the office layer to cancel the sale, in the meanwhile I went to Bankrupcy court to stop the forclosure. On XXXX I receive the envelop summon that I have to be at the court next day. The rulling the order I have to sale my house to her brother just been in USA for 2 years with the mortgage Hud program 5.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or about XXXX/XXXX/14 I got a credit karma alert that I had a XXXX loan put on credit report.I told my son I would co-sign for a loan, if he needed me to.My so bought the car and signed my name as a co-signer.I never knew this, until I got the credit karma report.He told chase auto loan he signed my name and sent them a e-mail thru there secure chase site that he signed my name.They kept me on that loan knowing full well I never signed for that loan.Finally my husband who is now 3rd party rep on this and has full power to act on my son and my behalf to handle this matter.I never saw a loan document or signed a loan document, yet chase kept me on that loan.I finally got copy of that loan and on the back of loan it says : Important before signing you should read this agreement carefully.This written agreement is the ONLY enforceable document and no other terms or verbal promises can be enforced.You acknowledge that you have received a completed copy of this agreement and have READ it.I never got a copy to read-never got a copy to see till after the fact. Chase bank caused my credit score to drop and is still not where it was before this all happened.They new I never saw a contract and chase knew my son signed my name to it.Even after all this they still are making my son pay on this loan which is void according to there own contract.My son is a XXXX vet XXXX and has issues which he told chase bank.This is how they treat veterans and there families.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
I have received numerous calls from XXXX by a man who calls himself XXXX XXXX " director of premium receivables '' trying to collect a debt which I 've never had. This party claims to be calling from a law firm and threatens to sue me if I do n't pay a fictitious amount of funds. He knows my full name, address, last XXXX digits of my social security number. I am one hundred percent certain it 's a fraud. I feel extremely intimidated by this gentlemen for oblivious reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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:
For several months now i been having trouble trying to balance my checking account with JP Morgan Chase. Since every time a transaction happen they blame the merchant for when they process the bank and I keep getting charge over draft fee 's. When for example the most recent transaction happen XXXX/XXXX/2016 ; I have over XXXX worth of fee 's after I just finish getting my deposit from my employer and my account was on the dot. I call to complaint about a transaction and i had a balance of {$2.00} after a {$300.00} payment I disagree but got nothing but an email next day I see all this transaction that happen the week before post in a different order and dates and make me owe now Chase again overdraft fee 's. So why they keep doing this when the transaction happen they take out your balance but they posted later differently and make the account be overdraft. I think this a dishonest way of doing business and making this inconvenient for the consumer that really needs a checking account now and days and ca n't talk to their representatives or manager because they just do n't care we have to pay. Now my account is {$200.00} over draft after that conveniently they cover my transactions when to begin with the money was there and if XXXX item was not available then I understand the overdraft fee but not for XXXX items that originally the money was there and if not they would n't decline my transaction this is deceiving and incorrect they need to have a better way of handling this. So far this year I believe I had paid them like XXXX or more. This is not a way of a bank secretly disobeying the rules put in place by fdcpa & cfbp.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went on-line to get a balance transfer from one credit card to another. 
I entered the wrong credit card number to transfer money from. 
I called the credit card company immediately after. 
They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a Chase XXXX XXXX credit card. At first, chase denied the application due to a fraud alert on my credit file. Once I removed the alert, I asked Chase to review my application again ... .it was denied a second time because I had apparently applied for credit too many times. Once I explained that the previous attempts were a local Chase branch applying for the wrong credit card by mistake and that no other accounts were actually established, Chase agreed to review my application yet again. This time, the application was approved with a {$20000.00} credit limit. This was several weeks ago but I had n't yet received my card so I called again ... this time I was told that my application was hold pending receipt of a copy of a government ID. I have faxed and mailed a copy of my driver 's license but still have not received my credit card in the mail. I am attaching my driver 's license to this complaint. Please complete the processing of my application and send me the credit card as soon as possible. One of the most attractive perks of the XXXX card are travel related ... .I am leaving soon for a vacation and would like to take advantage of these benefits. Please ensure that I have the card in my hands before XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank did a credit inquiry on my credit that I did not authorize. I did not authorize in any form or fashion. I called the bank to ask them to remove it and was told that they have been hacked into and credit inquiries were happening to a lot people and that I needed to call their IT security dept. The next day I called the security dept. and they said they would get it removed. I gave them all my information to get it removed. It has still not been removed yet. The inquiry was dated XXXX on credit reports, for whatever that 's worth. I do no business of any sort with Chase Bank, no accounts, nothing. I am still wondering how they got my information in the first place? Without sighed or confirmed to do so? Something fishy going on at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Check was cashed on my account. I did not write the check. Check was stolen and used fraudulently. Bank states I did not report check stole but bank was told checks were lost since moved into new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX-XX/XX/2016 several fraudulent charges were made neither by my husband nor me, using my husband 's chase debit card totaling {$4200.00},. 

On XX/XX/XXXX and XX/XX/XXXX telephone transfers were made, neither by my husband nor me, moving money from savings to checking account to conceal the purchases. 

Chase continues to deny my claims stating that these charges were correct, even though I showed that we were not in the locations where the charges were made, that the signature used to make the largest purchases is not that of my husband. 

Chase refuses to disclose the following information : telephone recordings of the telephone transfers, whether the transactions were chip or swipe, whether PIN was used and whether it was set for this debit card. 
In their investigation Chase did not request CCV recordings from XXXX, where the largest transaction was made. 
This appears to be the case of identity theft. Chase, despite having resources to pursue the thieves, chose not to do so, and decided to simply deny my claims. 
I feel that Chase 's investigation was grossly inadequate. I have retained a lawyer, however, after my sworn affidavit and appeal were ignored by Chase, he informed me that further pursuit would be cost prohibitive. Chase is withholding information from me, which prevents me from getting justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a Chase credit card that I noticed my balance on XX/XX/2016 was {$4100.00}, today XX/XX/2016 it rose to {$4200.00}. There has not been any purchases or activity on this account for several months. Chase is increasing the balance, without good reason, even though I paid {$130.00} last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a collection on my credit from XXXX XXXX. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. XXXX XXXX is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit

Company response to consumer: Closed with explanation