vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
During an Amazon transaction in XXXX I applied for a an Amazon card which was stated it would be processed for approval immediately and provide a discount on the current purchase. In spite of an excellent credit rating, it was stated my credit was questionable and the application would not be immediately processed. This is clearly a bait and switch to get applications. Several weeks later, I received a card ( XXXX/XXXX/16 ) with a credit line far exceeding that requested. Further terms arriving with the card state ALL of my information could be shared by Chase after my card was open for 30 days, that I could NOT opt out, and that this would continue to apply even AFTER the card was closed. I immediately called to cancel before the 30 days was up, as they left me less than a week to review and respond. The representative tried to XXXX me into talking to a reprentative to " address my concerns '' and manually opt me out " if really an issue '', which contradicts the written terms stating no verbal greement is binding. This entire process is clearly designed to deny applicants information and to narrow the response window to reject the terms for the sole purpose of seizing control of customer information, even if the applicant *doesn't* take the final step of making the call to activate the card. From what I see in the paperwork, which was largely confirmed by the representative, you can halt the siezure of your information *only* by cancelling prior to the 30 day window you are n't informed of for 23 days. 

This is abusive and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. 
Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX, I deposited a check initiated by my insurance company ( XXXX XXXX ) and which was drawn off of Chase Bank, deposited to a newly opened Chase Bank account solely because Chase would NOT CASH THEIR OWN CHECK despite verified funds on the account. The funds ( {$4500.00} ) which should 've been immediately became available and were posted to the account on XXXX subsequent to several phone calls to release the funds and after they were once again verified as paid by the financial institution ( Chase ). The funds were made available to my account on XXXX. I made several purchases and needed to contact the loss prevention department at Chase 3 times to get the account reactivated. None of these times did anyone inform me that it could be closed and I would not be able to receive my own money. 
On XXXX, I discovered that my account was restricted, went to the nearest branch and queried as to why I was unable to use my card or log in. They stated that the account was going to be closed in 10 business days and I would receive my funds in an additional 10 business days after that. The funds in the account are cash. The check has been verified by Chase Bank to be cleared and also verified as legitimate by the issuer ( XXXX XXXX XXXX ). 
I requested in considering the closure of the account, that I secure my funds now and in cash in the amount of {$2000.00} since the deposited check is as good as cash and that cash is rightfully mine. They denied my request and want to make me wait 20+ days to receive my funds, stating that there are pending transactions on the account ; however, these transactions are already debited from the account ; Chase just needs to post them. In other words the available balance is just that - what is available to me. There are NO CHECKS associated with the account, so there is no concern for outstanding checks. It is unfair not to release the funds that are liquid and carry no contingencies. I need them now as I purchased items to replace stolen goods for which I was issued the insurance check in the first place. I put a deposit and need the remaining {$2000.00} to complete my transaction to purchase a trailer. Not paying within 3 business days will consider me in breech of contract, I will lose my deposit as well as my trailer, which is where I intend to securely store several tools I just purchased ( again ) in conjunction with the insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/15 I sent a letter to validate the debt that this company alleges I owe them. I have record of them receiving but not complying to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Law Offices Howard Lee Schiff, P.C.
State: MA

Complaint narrative:
I started paying a loan to XXXX back in XXXX. This was for a credit card that started out at XXXX XXXX I agreed to XXXX at there balance of XXXX. So I paid XXXX $ a month and now its XXXX and I owe now XXXX. I paid towards this XXXXand out of that XXXX they took XXXX out of the XXXX. How can this ever be paid off if I 'm owing more than I started at? I just received my information on my balance as I 'm getting concerned seeing that this is never going down. Id appreciate you looking into this. Ive attached my statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc
State: WY

Complaint narrative:
I had an auto loan with the last payment date being, XXXX/XXXX/XXXX. The debt was removed from my credit report in XXXX XXXX. Bull City Financial Solutions bought the debt in XXXX and it continues to be reported on my credit report. I contacted them at the beginning of XXXX XXXX and they stated that I would need to submit information stating when the last payment was made on my account from the original creditor. I contacted Bull City Financial Solutions on XXXX/XXXX/XXXX with the information I received from the original creditor, to obtain information about where to send the verification of the dates they had requested. I was told by XXXX ( would not provide last name ), XXXX different dates that they had on file as to when my last payment was made to the original creditor. I was also told that they do not buy debts and when I requested them to send me information regarding the account they have, he refused to send me anything.

Company response to consumer: Closed
Consumer complaint received 2015-11-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
XX/XX/XXXX, my payment was lost. When I called customer service I was greeted by a nasty customer service respresentative who refused to help me. I then called the office XXXX, XXXX New Jersey, as Hesaa is a state agency. They told me that there was no one who oversaw the agency and no one to file a formal complaint with. They then transferred me to someone within the agency. I spoke XXXX and also emailed with them. Neither of them was responsive. At that point I made requests to have the notes on my account released to me. I have in writing that they would do this. This began XX/XX/XXXX. I did not receive the notes until I reached out to the Office XXXX XX/XX/XXXX. I was told XXXX, that I was not ignored, but I should be happy I received the information. I sent monthly emails XXXX with no response or limited response. He only responded to me once XXXX office told him that I had reached out to complain during her lunch break. I received an email from him a half hour after his lunch break. I also requested my records XX/XX/XXXX, which was documented in the notes provided to me by the XXXX of the Ombudsman. When I spoke with him on the phone he denied that I requested the information XX/XX/XXXX. The notes state that the information was sent to me, which is a lie. I never received any correspondence from Hesaa at that time. I also inquired why phone calls were missing from the notes. He stated that was all they had. The phone calls that were missing were when Hesaa made errors on my account. Hesaa has refused to provide in writing that they made any errors, even when they misapplied funds. They are also refusing to admit that my requests were ignored. They are unresponsive, unprofessional, disrespectful and lack common courtesy when dealing with the public. There is also an environment of cronyism. The Office XXXX is more in the business of covering up mistakes of its employees than investigating their wrong doing. In searching XXXX background he worked for a mortgage company, I do n't know that this qualifies him to be the Chief Compliance Officer for a State Agency for student loans. Also, the director of the agency is appointed XXXX. Is it a coincidence that the director went to the same XXXX school as the Chief Compliance Officer? Also how is there no one to file a complaint with against the agency in the state? Also, should n't the office XXXX be separate from the other staff? How is someone from the office XXXX XXXX XXXX mentioning my case to another staff member XXXX XXXX XXXX XXXX during lunch? Is this appropriate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC
State: ND

Complaint narrative:
I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: NY

Complaint narrative:
These debts from XXXX hospital are from XX/XX/XXXX and XX/XX/XXXX, I do n't understand why Capio put in my credit report that these accounts were opened in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C.
State: RI

Complaint narrative:
Account was open on XX/XX/XXXX with a credit limit of {$250.00} plus unemployment and XXXX insurance which was paid on time till XX/XX/XXXX, when I became ill and out of work the account balance was {$69.00}. I contacted the insurance with no result, by XX/XX/XXXX I was contacted by XXXX XXXX regarding the closing of the account which I agreed, also late payments and fees, I was given the opportunity to settle the account by allowing XXXX to make XXXX automatic withdrawals of {$81.00} each starting XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my checking account. 
Copy of my account automatic withdrawals are enclosed. I hope this information clarifies your records and reestablishes mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I receive a message from XXXX stating there was a XXXX collection on my credit file with all three credit reporting agency. I pulled my credit and seen it was for a XXXX hospital in XXXX XXXX NC and the collection companies name is Bull City Financial Solution in XXXX NC. I called and talked to a XXXX at the call center and she stated to me the account clearly is n't mine and i will remove and broke this account from all there credit bureau 's asap, It Never happened!!! So called back in 30 days and asked why is n't it been removed and she stated to me its your account we have court doc stating its yours, So i called the Hospital and talked to a supervisor in billing and he stated this account clearly is n't your and i will pull it from the collect company!!! So called the credit company back and asked why has n't been removed yet, XXXX said its your account and we will not remove it. I have filed a police report and also filed a lawsuit under fair patience laws. They want even give me the paperwork under the FAIR CREDIT REPORTING ACT, 15USC-1681 TO PROVE ITS MINE. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: AL

Complaint narrative:
Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I already have a complaint on file with TD bank for another issue .... 
Case number : XXXXNow after doing a 'bait & switch ' to counter-offer for a higher interest rateafter they said the appraisal was too low ... .we ask for another appraisaland we practically find the comps ourselves ... ..it comes in XXXX higherbut we are still denied despite our XXXX + credit scores and low debt thatbecause we live in a XXXX and older community or age-stricted that we are denied. 
This after XXXX weeks of back/forth and at least XXXX letters of conditional approval. 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.

Company response to consumer: Closed with non-monetary relief