vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.

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 2016-11-06 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I COMPLETELY paid off XXXX charge cards which, along with some others, have have had $ XXXX to $ XXXX in balances. Not to mention my income is approximately $ XXXX, XXXX % higher than last year - or ever. My reward for paying off XXXX {$4900.00}. XXXX card? 2 days later they crushed my credit limit from $ XXXX to $ XXXX. THAT MAKES NO SENSE! I pay off almost $ XXXX and THEN get my limited clobbered to XXXX of what I JUST PAID! This makes no sense ( and I expect they have a credit score, with NO late pmts, from before everything just paid off ). Can not think of anything else. Jeez, why pay it off. Might as well have paid off another card that was not going to penalize me for improving my credit and paying off balances!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC
State: MO

Complaint narrative:
Getting calls from a group calling themselves the huntington group from phone number XXXX. Stating someone is trying to take legal action against me. Ignored calls because I felt it was not legit. Looked them up online and was unable to find them. Information I found was through their phone number reverse lookup sites which resulted others sharing experience with them stating they were scammed or being harassed. Ignored the calls until they contacted my step father and were very threatening ( practices used unlike a legit business ). I called today and confirmed my name and phone number, but would not confirm any other information. I requested their full name of the company and their company address, but the represenative XXXX asked why I needed that information and I said to get more information, he told me to hold and I was connected to another individual who immediately told me that they would n't share any information with me unless I confirmed what they had on file in regards to my personal information. I said I just wanted their address and then he started to raise his voice and said he would n't give it so I said I would n't give any of my information because I felt lile their business with me wasnt legit and then he blew up and starting yelling at me. I said I felt this was a scam and to not call me or my family and he said he had every right to contact me and that I need to take care of my " business ''. I replied this is how this company does business? And he continued to yell and repeat himself so I disconnected the call. I just want to know if this.company is legit. They leave voicemails saying legal action will be taken, but I havent received any debt notices by mail and certainly nothing in regards to legal action. I dont like feeling threatened by a company I feel is not a legitimate company. Everything they give is vague and feel theyre trying to fish for information or scam me by paying for a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX I was waiting results of XXXX hearing, having had XXXX in XX/XX/XXXX and unable to work. My Chase Visa became past-due and was charged off. XX/XX/XXXX I received acceptance to XXXX and made a settlement payment to Chase for {$10000.00} and paid settlement in full XX/XX/XXXX. Chase sent me letters assuring me a paid in full settlement would be reported to the credit bureaus. But for 2 years and numerous disputes I still have CHARGE-OFF and a payment of {$0.00} for status for this account. I am being denied credit due to this account reported inaccurately, not reflecting any payment on this account, only charge-off. Chase keeps assuring me in letters they will report it as paid, but they keep giving credt reporting agencies misleading information as if I had made no settlement payment at all. XXXX just sent me a current dispute result, I requested and the status shows CHARGEOFF and the account code is charge off and payment is {$0.00} XX/XX/XXXX which is not true. I am not able to get a home equity loan due to this erroneous reporting. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I set up auto-payment for my Chase XXXX card and was told it was set up correctly. Nearly 2 months later, I started receiving calls from Chase tell me there was something wrong with my account. When I logged in, I saw that my payment was overdue, and therefore I was incurring interest charges. In addition, there was a returned-payment transaction that had zero details. I called Chase to ask why I received zero notifications or emails that an auto-payment failed, they said : " you have to log in to see your notification ''. I then told the rep that there was no notification in my account, he started giving me a really long roundabout. This is an incredibly shady and predatory business practice to allow customers ' payments fail, give them no notice, so that Chase can passively charge interest income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an account with CHASE Bank, however they rejected a direct deposit from my employer and stated that I " owed money '' from a dispute when my card was stolen, they NOT only rejected the direct deposit, and caused additional fees for me, BUT REJECTED the direct deposit and CLOSED my accounts without any notice - THIS is NOT right and caused over XXXX in fees and charges that I did NOT do! ontop of causing me not to get my paycheck!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing in regards to a problem regarding my mother 's estate. She was diagnosed with XXXX and is now deceased. The bank ( JP Chase ) that her loan was with, I applied for modification I was told by them that I needed to have my name on the deed which I had a probate lawyer help me with this and I have a court hearing for XXXX XXXX 2016. I had notified the bank with all my documents faxed to them with my lawyers letter showing proof. I received a letter from the bank date XXXX XXXX that they had received all my paperwork and that they will call me if they need additional information. I called the bank again to check the status of my modification and they told me that my house has a sale date for XXXX XXXX, and that they were unable to reopen my file. I went to the bankruptcy court in XXXX and filed chapter XXXX to stop the sale date. I then faxed a copy of my bankruptcy case to the bank and called them to make sure that they had received it, they then told me yes and that they were going to investigate and call me back. As of today XXXX XXXX they have not contacted me I received yesterday a letter from a third party that the had bought my property. 
JP Chase Bank has been giving me the round around with my loan modification. The letter that I received with the representative who was working on my file never returned my phone calls, and even when I scheduled with her to call me XXXX XXXX @ XXXX SHE never called me, I had to call myself and ask for her then I was told she was UNAVAILABLE!!!!! 
The XXXX should be notified and have someone go to Chase and re-train employees on communication skills. I am beyond disappointed with my experience with Chase, I will never have any family members or friends that I know bank with them. They are dishonest & do not honor their customers & people period. I have all my documentation that I faxed noted with whom I spoke too and dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I would like Chase to agree to lowering my interest rate. Because my work hours have been reduced. I would help me to be able to make timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a senior citizen and I was taken advantage of buying a vehicle at XXXX XXXX. I returned the car, because it was over priced and the XXXX told them to delete it, it was overpriced and I could not afford it. I have the case in the XXXX Court and the credit report under Chase says, " I made a payment and I never made a payment. '' They made it it a charge off. I 've been disputing with all the credit bureaus and they refused to take this car off my credit report. I deleted the car, cancelled the contracts and the loan I had my money on was XXXX. After XXXX seen the situation they deleted the loan and told me XXXX XXXX tried to get them to hono do the second loan. They told them no, because it was not legal. I received letters from the lawyer at XXXX XXXX threating me to do arbitration and said, " I would be the only XXXX receiving this court order. '' I cancelled the car at motor vehicle, cancelled the XXXX contracts and went the XXXX. 
They lied to the XXXX and said, " They knew the car was overpriced and they negotiated with me, which was a lie. This happened at XXXX XXXX at night and they rushed me to sign the contracts and told me they were going to make the the changes on Tuesday. This has been a nightmare how can you lie and say I put a payment on a car and turn it into a charge off. I took the situation to XXXX XXXX lawyers and they told me it was illegal. How can a past due XXXX be on my credit report if I do n't have the car and I never paid XXXX cent and I cancelled the contracts like the lawyers told me too. The credit bureau 's will not delete this car and I do not have it or want it. It is a 2015 for XXXX. I went to other XXXX dealers and I have proof the car is way over price even it writing. Chase Auto Finance # XXXX on my XXXX report and all other reports charge off is a lie. XXXX is where I had my initial loan which was XXXX percent and my money down. 
When they found out they took advantage of me and made the high price you can look at my credit report and see they deleted the loan. Chase wanted to be greedy and raised the interest rate and finance charge and took the chance to say " I I made a XXXX payment received which is a lie. I never gave Chase XXXX cent please help me it 's been a year and I feel like your my only help. XXXX you and me and I work for the government and this is on my credit report and I have a XXXX at work. Please help me I need your assistance. 
You can contact the XXXX if you do n't believe me. 
Ask Chase to give you proof of my payment, because its not true. I only had XXXX contract when I signed my house loan and XXXX offered to help me after this fraud is deleted. Please help XXXX XXXX XXXX XXXX or work at XXXX. I am only a XXXX and I can not afford the car the XXXX told Chase. XXXX XXXX. Senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called JP Morgan Chase to find out the status on my account, which is a debt I owe. The representative I spoke with told me that if I did n't enter into a payment plan or a settlement, my wages would be garnished upon filing my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
i keep sending this information I get no answers once again i need answers on the loan modification it clearly states my payment start on XXXX/XXXX/XXXX, why was the escrow not collected from XXXX/XXXX/XXXX, instead of starting per chase on XXXX/XXXX/XXXX where is all the escrow money from payments fron XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Your payment work clearly states all this information so where is the XXXX for those six months You representatives clearly told me many times my escrow is collected from XXXX to XXXX so where is XXXX to XXXX? Also on another letter dated XXXX/XXXX/XXXX it clearly says effective XXXX payment was XXXX of XXXX, so that will add another month in question refe number on letter is XXXX, so this refe number clearly says my loan stated in XXXX so why does escrow go from XXXX to XXXX? 


OM THE MORTGAGE STATEMENT DATED XXXX/XXXX/XXXX it clearly shows escrow payment should have been XXXX there is not amount as this on escrow history paper they sent me so how much was added in the account for the XXXX/XXXX/XXXX payment on the payment statemented dated XXXX/XXXX/XXXX it states that on payment due it is only XXXX but on the history paper work sent to me it clearly shows XXXX was put in to escrow where is the rest of the money on XXXX says XXXX goes to escrow but on the history sheet it only has XXXX where is the XXXX XXXX why is there a XXXX money added into principal curtailment where did this come from on XXXX/XXXX/XXXX i paid a extra XXXX on escrow but it clearly shoes they added it to principle curtailment why also on XXXX/XXXX/XXXX for the amount of XXXX and XXXX/XXXX/XXXX for XXXX and XXXX/XXXX/XXXX for the amount of XXXX for XXXX for XXXX my copies from the bank clearly show it was escrow deposit is n't that illegal since my receipts show it was escrow in XXXX there are several months that my payment was suspended and never was added into a payment this also will make escrow short the months are on the transaction history clearly shows they were never added in XXXX, XXXX XXXX I have asked this be answered they are not answering it going back to XXXX/XXXX/XXXX I was also cheated out of money stated at XXXX then they took out XXXX saying i had minus XXXX then added back in XXXX coming up with a plus of XXXX you can look at this and see its incorrect why was this not corrected what is a loan maintenance for XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief