vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 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: State Collection Service, Inc.
State: MN

Complaint narrative:
My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. 2 months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last 10 years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX XXXX XXXX XXXX XXXX. 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: DC

Complaint narrative:
I received a combination letter/form fromPopular Community Bank. The letter indicated that I had an inactive account ( the account number was on the letter ) that would be turned over to the XXXX if I did not take some steps to activate the account by a date in XXXX. I called the number on the form ( I checked on line and the number on the form was the number listed for the bank ). I spoke with a representative to confirm the contents of the letter and asked how to just withdraw the funds. I was told that the account needed to be reactivated first before the withdrawal could be made. I asked if the request for withdrawal could be made at the same time as the activation request. I was told yes and returned the form with my request for the withdrawal of funds. On XXXX XXXX, 2015, I received a call from E-Loan where the original account had been opened. I was told that if I wanted the funds withdrawn, I would need to do so on the e-loan site not in writing as previously told. I took the number and called back ( the number listed on the e-loan website was the same number I had been given ), talked with someone else who gave me the same information. I spoke with XXXX representatives of e-loan and XXXX representatives of Popular bank. Each said I needed to follow the e-loan process. I went on line to make the request yesterday. When I entered my information to set sign into the account ( I was really setting up and account because I could not find the original account information ), I received an error message. I also sent an e-mail to Popular Band customer service but have received no response. I am worried that I have been the victim of a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CHECK INTO CASH INC.
State: UT

Complaint narrative:
Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank, Chase, did not process debit card purchases/checks in the order in which they were received, and also waited an unreasonable amount of time to debit my account for several purchases. The result of this was an overdrawing of my account. 

For example, I wrote my girlfriend a check for {$630.00} as my share of rent. She deposited this check on the XXXX of XXXX, and my account was not debited until the XXXX of XXXX. 
I ordered checks on the XXXX of XXXX XXXX noticing I was out after writing one for my girlfriend ) and my account was not debited until the XXXX of XXXX. Meanwhile, all purchases I made using my debit card were immediately processed. This delay of processing checks and account fees XXXX IE ordering checks XXXX while immediately processing debit card payments has resulted in an overdrawing of my account. As an example of delays in processing debits to my account, you will see on my statement an {$80.00} ATM withdrawal, which is described in the statement as " ATM WITHDRAWAL XXXX XXXX XXXX '' indicating that I made the withdrawal on XXXX XXXX. On my statement, this is not debited from my account until the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I received a XXXX XXXX XXXX Card from Chase in the mail -- WHICH I NEVER APPLIED FOR. The very next day, I called Chase to close the account and find out how this happened. They told me that I had applied for it on XXXX XXXX, 2016 and was approved right away. I fear that either I have been the victim of identity theft, or someone who works at Chase somehow accessed my personal information fraudulently in order to open an account in my name. I had to take time out of my busy life to put a security alert on my credit file and investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC
State: IL

Complaint narrative:
I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),

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 2016-06-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My mother has XXXX, and I am her power of attorney. She has been charging hundreds of dollars worth of merchandise that she does not recall ordering. I lowered her credit card limit to {$200.00} to prevent this problem and was assured by Chase card representatives on at least two occasions that any attempted charges over this amount would not be approved. At {$630.00} I cancelled the card, after several representatives in XXXX departments ( 7 calls total? ) could not explain why charges kept accruing. Finally, someone told me that the credit limit would not stop charges from being approved, and that I would have no choice but to pay the entire balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL

Complaint narrative:
This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
We took out a loan with First Hawaiian Bank for 36 months. Because we paid monthly onetime periodically we were offered a deferred payment option as a gift for paying on time. Particularly this was given around XXXX. This was promoted as a good opportunity for the customer but as it turned out this was a tactic for the bank to charge us another year of payments and thereby charge another $ XXXX thereafter because they charged interest everyday on the balance when deferment was offered. This is a deceptive business practice whereby the bank gives the impression the payment will be collected at the end of the 36 months when in all actuality they are charging interest daily which means the customer ultimately pays XXXX the cost of the original loan. This is a unethical business practice whereby the bank can extort extra charges, interest and fees against customers with a good payment history. This is very deceptive how the calculate the added interest opposed to added the deferred payment to the end which already includes the interest when the payment would have been paid. Shame on FHB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a lease through Mazda Capital which is ran by Chase Bank. The lease was ending and I turned the car in at the dealership and notified Mazda Capital. I checked on my online banking and it said that automatic payments were turned OFF. On the payment due date they deducted another payment from the bank account that WAS NOT OWED because I turned the car in and ended the lease. I called Mazda Capital/Chase about this on the day the payment occured and they assured me that I would get a refund within a week. After a week had passed I called again and was told that the refund was denied because they will not issue the refund until they completely close the lease account and send the end of lease bill. I was told this end of lease bill can take 30 to 90 days to generate so that means they will have been holding on to a payment that should never have been made for months! I called and pleaded with them that I need this money back - I spoke to a supervisor and they do not care. I was told there is nothing that they can do for me other than wait. This is not right! I need this money to pay my bills and I never owed this money. I turned the vehicle in a few days before the lease ended, there was no more money due on the account. Please help me. I would have attached documents to this complaint, however my online account disappeared from my online profile right after I called and complained so now I have no access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.

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: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE AND I AM ALSO ATTEMPTING TO APPLY FOR MORTGAGE ASSISTANCE. MY SERVICER, CHASE, HAS INVITED ME TO APPLY FOR MORTGAGE ASSISTANCE AND HAS SET A DEADLINE FOR XXXX XXXX, 2015. CHASE HAS ALSO SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/2015. CHASE IS ENGAGED IN DUAL TRACKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On the XXXX/XXXX/XXXX someone did a fraudulent wire transfer from my Business account at Chase Bank. The amount of the wire was {$40000.00} Chase bank approved the wire, debited my account and to this day XXXX/XXXX/XXXX they have not credited my account. 
The company the wire was sent to ( XXXX XXXX XXXX XXXX XXXX ) does not exist. 
Chase Banks claims department has informed me that the claim has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Overcharged by credit card issuer- Chase Bank , credits improperly posted as a debit rather than credits. Spent over 8 hours on the phone. The bank owes me money.

Company response to consumer: Closed with monetary relief