vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
wanted to see if I qualify for any type of loan forgiveness or reduction s of any sort

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
See just filed charge against XXXX for same reason - rejected credit by Chase Bank on XX/XX/XXXX, per CFPB Case # XXXX, Reference Number XXXX, XX/XX/XXXX, Chase Bank USA , N.A . and parallel charge XXXX application No. XXXX, XX/XX/XXXX. XXXX and 15 U.S.C. 1693 unclear and individual consumer rights failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: VA

Complaint narrative:
Submit a request to loan servicing company to apply excess payment to principal. Request was denied as it was against policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I rented a safe deposit box in XXXX XXXX branch of chase in XXXX, NY in 2015. When I went to my safe In XXXX 2015, I found the hinges of my box cut and the door open ( I did not need to use my key ). The person in charge told me that they had to cut the hinges to open the box next to mine, however when I asked her why you did cut the hinges of my box and you did not inform me before cutting the hinges, she did not have any answers. She only gave a phone number to call. I called many times and asked them for at least an explanation or apology. They promised to do so but I have never received anything from them so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CHECK INTO CASH INC.
State: MO

Complaint narrative:
the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
I was absolved from this debt due to the other party that took responsibility, they refused to take off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
my son required an XXXX XXXX and my insurance was contracted with XXXX XXXX for this service. after having the machine for a few months my son no linger needed the machine and I called apria to come and pick up the machine, ( waited nearly XXXX mins for to speak to a rep ). They never showed up to pick up the machine. Called again a few times over the next few weeks waited on hold for over an hour to request for someone to pick up the machine. Finally about a month later I was able to sit on the phone and wait to get through to schedule a pick up. I then received a bill for aprox {$83.00} and I called and waited on hold for another hour or so to speak to someone about my bill. I had requested the machine be pick up last month and no one ever showed up. It is not my fault that they have no one answering the phone to schedule pick ups, i requested that the total be reduced. They would not work with me and extremely frustrated at this point, I ended up just paying the {$83.00} in order to just be done with them. Then a few month later I received a check from them for around XXXX dollars. I was confused but just figured they had done some kind of internal Audit and realized that they had over charged me. Then a couple month after that I received a call from a collection agency requesting the {$50.00} for XXXX XXXX, I called the Collection Agency and discussed this with them and told me that XXXX received the {$50.00} from my insurance and then paid it to me and now I need to pay it back to them? Why are they still collecting money from my insurance and why I am being sent to collections for the this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc.
State: CT

Complaint narrative:
The credit agency, Receivable Solutions Specialists, Inc has not only tried to collect a debt I do not owe they have filed a report against me with the XXXX major credit bureaus. This has negatively impacted my credit. The debt belongs to my adult son. He is on my insurance but I am not responsible for his medical bills per the XXXX. I notified the agency of this but they are still sending bills in my name. I have never signed anything that I would assume responsibility for the debt.

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 explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: IL

Complaint narrative:
XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.

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 explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
check into cash is charging me excessive interest on my title loan. When I make my payment which is {$880.00} a month most of the money goes to the interest. Most of my payment should go to the principal. The manager told me also my payment is never going to be any lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: KS

Complaint narrative:
XXXX has put a false collection report against my credit. They are saying that I owe them {$690.00} for equipment that was not returned. When I cancelled our service with XXXX I took the equipment we had ( boosters to help with the cell signal in our home ) to a XXXX store for them to send to their warehouse for return. I received a bill from XXXX after this and explained that I had returned the items to the store. XXXX claims they never got them. I contacted the store 3 times and the manager assured me that the items had been returned. The first time they were sent to the wrong warehouse but they were tracked down by the shipping tracking number that the store had. The manager said it would take XXXX takes to get this updated. I tried to explain this repeatedly to the collection agents that called me but they were rude and just wanted money that I do not owe them. I have a voice mail from the manager of the XXXX store stating that these items were returned as requested. I do not owe this money to XXXX and from researching complaints online, there are thousands of other people that are experiencing the same thing with XXXX. They should not be allowed to get away with this type of scam. This is the second time that XXXX has put this on my credit report. I disputed it the first time and it was removed and then they gave the claim to another collection agency and the phone calls and harassment started all over. This is just plain wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: MO

Complaint narrative:
My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.

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 explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
I 'm not sure what this on is about, it may be from XXXX, they were over charging my account and I was supposed to have it taken off, that 's also the reason I left the cell phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: VA

Complaint narrative:
I have a dispute with Selene finance with my credit report that is reflecting a late payments that is roiling month to month which is causing me to have a bad credit score. And I stated that I needed this resolved with the credit Bureau as soon as possible. I have the documentation that is showing that the month that in question, which was XXXX XXXX was not late. That was the last payment that went to XXXX XXXX of XXXX XXXX and at the time with the transition between XXXX XXXX of XXXX and Selene finance took over the mortgage. I need that fixed on my credit report. By what your there mortgage statement / payment history is showing all payments have been made by the grace period. XXXX XXXX was the one that was not showing that Selene finance did not have so here is the proof of payment please clear this error up on my credit report. This is not the first time I faxed all this to XXXX XXXX information. I faxed this information to Selene finance with all this information in XX/XX/XXXX and I was told that it would be corrected. It XX/XX/XXXX and it still not corrected. I have faxed this information twice in XXXX XXXX and it still not resolved please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
Based on review of my XXXX Credit Report noted there was an outstanding item of {$57.00}. XXXX Customer Service advised the debt was medical expense and being reported by ARC Management Company. 
Requested to dispute the {$57.00} since no information was provided to verify the debit. 
The {$57.00} is not reported on the other credit reporting bureaus

Company response to consumer: Closed
Consumer complaint received 2015-09-18 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: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I do not recall this debt, please verify debt. Also, please verify statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
A collector of a private loan thru XXXX XXXX XXXX has been harassing me at work, calling family members and refuses to stop after I told them of my rights. SIMM Assiciates is the collection company. I refuse to speak with them any further. They have no interest in what I can afford, only what is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: POPULAR BANK
State: NJ

Complaint narrative:
I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation