vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My first payment to Nelnet was XX/XX/2017. I called over three times to verify payment info because I was nervous given their reputation. I use my banks bill pay service for everything & in 20+ years have never had a payment issue. The payment was sent electronically when I was paid on the XX/XX/XXXX. I got an email from Nelnet on the XX/XX/XXXX my payment was missing. I called & was told by two different people they refused my payment, noted my account & sent it back! They wanted my bank acct # to take money out of and had no intrest in remedying the issue with the existing funds in " limbo ''. They already have my money. They said they noted my account about the payment coming in, sent me a letter & have sent the funds back however I have yet to receive anything. I am livid at the unprofessional business practices. 
They got the payment, knew what acct it was for & refused to apply the payment. They now want me to pay them again by giving them my account number which will give them access to very badly impact my financial life. I was supposed to refinance my house soon but if Nelnet is trashing my credit score playing with payments then my score is toast. 
I called the dept of education to file a complaint on the XX/XX/XXXX however they refused & told me i needed to consolidate my loans with a different company to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I never opened this credit card. It says it was opened in 2007, but I was a minor then and could not have opened this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I recently was notified that my Chase credit cards were increasing cash advance APR by 5 %, increasing balance transfer fees from 3 % to 5 %, increasing late fees, etc. I thought this agency was in place to stop this kind of unjustified practice. This is done just to increase the profits of Chase bank with no respect to its customers. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently received a Chase Amazon Visa card in the mail. I had not requested this. I contacted Chase Bank to have the account cancelled and the inquiry removed from my card. Chase was unable/unwilling to provide details on HOW the account was opened, but their fraud department indicated I would be contacted by an investigator shortly and the issue resolved within 30 days. It has been over a month, no contact has been received and the inquiry has not been removed from my credit. Furthermore, Chase still refuses to tell me how the account was opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called to close the credit card, because of really high interest. Answered all the questions and the card was not closed. The representatives were rude and unpleasant. Very Upsetting. Now they still applied the high interest and wont close the card with the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I recently had a credit card charge declined ( credit card company Chase ) and contacted customer service for the credit card company for an explanation. As part of their security questioning to ensure that I was the cardholder, they asked me specific security questions which involved verification of information I had never disclosed to them in the past. For example, in XXXX question ( which had multiple choice answers ), I was given choices for the " height '' that is listed in my driver 's license number. For another question, I was given choices for the " profession '' in which I hold a professional license. While I understand that this information is available in the public domain, I find it unethical and disturbing that the credit card company is " mining '' this information from the public domain and connecting this information to my account. I am happy to answer security questions for which I have provided the " security answers '' previously, but it is absolutely WRONG that this credit card company ( or perhaps they all do it! ) is allowed to use information I have never given them for security verification purposes. Given the frequency of data breaches in the modern world, having this additional personal information connected to a credit card account gives hackers even more information to be able to steal identities and commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Credit card 's XX/XX/2015 statement showed with XXXX unauthorized cash advances and fees ( appx {$3300.00} ) which we never authorized. This was noticed in XXXX itself while accessing my account online. Immediately reported and had my card put of hold/cancel after talking with chase credit card services and fraud department. We have tried to have credit card company ( CHASE ) remove these fraudulent transactions on our account but every billing cycle them keep putting it back!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Consumer Asset Management (Texas)
State: AZ

Complaint narrative:
On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Other financial service — Debt settlement
Issue: Advertising and marketing — 
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I have never opened a XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: HI

Complaint narrative:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: IL

Complaint narrative:
I opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: United Built Homes LLC
State: OK

Complaint narrative:
On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 1ST ALLIANCE LENDING, LLC
State: FL

Complaint narrative:
I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC
State: NC

Complaint narrative:
I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: D&A Services, LLC
State: CA

Complaint narrative:
Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )

Company response to consumer: Closed with explanation