vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: OR

Complaint narrative:
I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. 
The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 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: North Shore Agency, LLC
State: CA

Complaint narrative:
I received a letter stating that I owe {$20.00} for XXXX issues of XXXX. I received mail from XXXX unsolicited and did not subscribe to this publication. I did not receive their magazine and am not interested. I do not owe them any money. 

The debt collectors are called : North Shore Agency XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Ph. XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
XXXX petty deception still continues?! # I 'm not paying them or vantage sourcing, now these petty criminals referred it to north shore agency. SIMPLE, these petty XXXX thieves breached california laws of good faith and fair dealing. Especially their stuck on stuck balance billing. e.g. these idiots attempted to _fraudulently_ charge me an early termination fee for ( trying ) a XXXX tablet I sent back _dis-satisfied with and that phony 2 years contract I NEVER agreed to. Took these clowns 2 months to fix their intentional deceit/blunder. In the mean-time continue to balance bill me on this stupidity. These superficial derelicts need to be personally held accountable!!!!! Using their crammed/overcharges outrageous profits to pay there sloppy fraud and deceit. Is that XXXX paid out?! # I do n't owe verizon anything. What have you done with my formal complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: MD

Complaint narrative:
I received a letter stating that my account was placed with this office for a balance of XXXX from a XXXX bill that was paid when I transferred to XXXX, this bill has been placed with XXXX This is the 3rd collection company this paid bill has been placed with, I want them to stop calling my phone and please verify this debt I have a printed bill from my American Express account showing that this bill was paid in full. I had my wife to contact them and to verify is this was an actual law office because if not they are acting under false pretenses that this is an actual law office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. 

XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. 

I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. 

Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. 

Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My loan went into default. My parents and I went to court and settled the matter and make regular payments to a collection lawyer for XXXX. I feel that I will never be out from under this situation. I ca n't find anyone to refinance, consolidate this and my XXXX loan. My credit is horrible because they do n't report payments being made just late and collection. I am willing to repay my debt, but I feel like I 'm being taken advantage of. All I want to do is pay and get a lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Unknown debt, no verification please remove off of my credit file

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 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: North Shore Agency, LLC
State: WA

Complaint narrative:
XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: IL

Complaint narrative:
This company is reporting several items on my credit report and I have no idea what they are. I sent a request for information and have not received anything. I do n't even know what these are or where they originated and so forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
I Receive a collection letter from XXXX at XXXX, Idaho XXXX stating that I owe an account with Medical Recovery Services , LLC. I replied demanding Validation of Debt as I did not know anything about such account. Account was never validated. Instead they took my account submitted to court for judgment. I submitted more letters demanding proof/validation of debt. did not respond and this account was declared as Default by the XXXX county civil Court Judge. They refused to answer my letters and refused to update account accordingly. 
XXXX/XXXX/2016 Application for Entry of Default XXXX/XXXX/2016 Application for Default Judgment XXXX/XXXX/2016 Affidavit in Support of Application for Default Judgment XXXX/XXXX/2016 Order for Entry of Default and Default XXXX/XXXX/2016 Affidavit In Support Of Writ Of Execution XXXX/XXXX/2016 Writ Of Execution Issued {$1000.00} XXXX County

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MI

Complaint narrative:
This all started back in XXXX 2014. My current mortgage co then approved me for a modification to lower my payments and interest rate. Payments were to start in XXXX 2014 and last payment in XXXX 2014. I made all payments on time thru XXXX 2014. Well as of XXXX 2014 my last payment was to be made to the new mortgage co that bought my mortgage Selene Finance. For the XXXX they did n't have an account for me to apply payment. Finally in XXXX I was able to make the payment. but they still had old payment amount. I explained the modification, they said it was noted in the file but has n't been uploaded yet should only be another week or XXXX before completed. XXXX 2014 I had my credit report pulled only to find out that my score dropped over XXXX points in XXXX months, I had a XXXX credit score took me a very long time to get there. To my surprise Selene Finance had reported late payments since XXXX of 2014. I have been in contact and even faxed my modification agreement and proof of the payments being made on time to them XXXX times over the last XXXX months. I have made my modification payment them each month. they still have not updated my file or applied all modification payments properly XXXX months after taking over my mortgage and they are still reporting me now XXXX months behind on my mortgage. I have talked and emailed Selene Finance several times no phone calls have returned, no emails responded to. All I keep getting from Selene Finance is " it should be updated in a week or XXXX '' Still XXXX months later getting the same answer. I have talked to other mortgage companies and they basically said I was XXXX royally by Selene Finance and good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
I called Amsher XXXX Collection on XXXX/XXXX/2016 and made a settlement of {$390.00}. I called back on XXXX/XXXX/2016 because XXXX needs more information on my account in order for them to release and unlock my phone as I was promised by XXXX XXXX XXXX as per our conversation recorded for security purposes. Now I am being charged {$98.00} as per XXXX different collectors ( recorded calls remember ) attend my call they had my XXXX up giving me the run around finally after XXXX of giving me the run around finally XXXX XXXX Production Supervisor comes on the phone trying to justify with words defying and being nice but rude towards me she would n't even let me talk to the CEO of the company. I ask for his name it was denied over the phone so I skipped traced and found it, I would love for if you can hear it too. What a professional company??? it looks like it should be for clowns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation