vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-05 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: TX

Complaint narrative:
Debt was disputed and removed by credit bureaus in XX/XX/XXXX and then sold to Amsher and it was back on my credit report XX/XX/XXXX. I have disputed with them, the amount is incorrect. They report that the debt is verified, I spoke with t-mobile agent and she did NOT verify the XXXX amount that Amsher has as collection amount. There should be no debt in the first place, due to the fact it was a month to month plan and the last month was paid, but sent to collection 3 months later. It does not show on my credit report that this debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: VA

Complaint narrative:
This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I have received at least XXXX fake court documents citing Wage Garnishments that have been left at my door. I live in VA and this particular collection company is also located in Virginia - Glasser and Glasser , PLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. The debt dates back to XX/XX/XXXX or earlier. I was taken to court and my wages were garnished for the amount I owed XXXX XXXX ( in XX/XX/XXXX ). Now I have a new company contacting me with fake Wage Garnishments. There 's no summons filed with the court and no court case in the court systems listing. They also have an incorrect address for my employer. I 'm sure I 'm not the only person they are contacting for time barred debt. The full amount I owed to XXXX XXXX has been paid - they still listing the full amount of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
i made settlement on this, now they reporting I still owe. I was informed the settlement would be paid in full.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Oxford Law, LLC
State: FL

Complaint narrative:
I sent a debt validation letter including to stop calling my cell phone to Oxford Law , LLC. I kept records of the phone log and pictures of my cell phone. Oxford Law , LLC never validated the debt and continued to call my cell phone without my consent. I retained an attorney to sue Oxford Law , LLC for violations of the Telephone Consumer Protection Act in Federal Court. Due to the overwhelming evidence against Oxford, they settled with me. We settled at mediation for less that what was due because Oxford claimed they would file bankruptcy if we received a larger settlement. My attorney filed a Motion to Dismiss the federal case and the federal court did not retain jurisdiction of the case. Oxford Law sent only one payment from a different company, XXXX XXXX, XXXX and then stopped paying on the settlement agreement. 
My attorney filed another complaint in state court and Oxford Law did not respond to the complaint. There was a default judgment against Oxford Law in state court. I hired a judgment specialist to find Oxford 's assets in order to garnish it to pay the judgment but Oxford Law is hiding its assets. It is a total hypocrisy for Oxford Law to harass people for debts they can never validate and then not pay on a settlement agreement for their violations of consumer protection laws. I am working to see if Oxford Law , LLC will pay the judgment against it. It is highly unethical that the attorneys that own Oxford Law , LLC will not pay the settlement agreement and then not pay the state court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
I am a XXXX year old female and on XXXX/XXXX/2015, due to an emergency, I made the biggest mistake of my life. I took out a title loan on my car at 'check into cash '' for XXXX in XXXX , TN. I have paid every month since then on time. This past week, the last time I paid I was told that balance was XXXX, so after receiving my income tax refund, I called to ask what my balance was and was told it was XXXX rather than the XXXX. This was all the money I had. I have paid to this date XXXX and do not understand why I still owe XXXX. If I pay based on their payment plan, I will have paid around XXXX for a XXXX loan. I do not understand why this is legal. It seems so outrageous, but at the time I did not realize how much I would be taken advantage of. I wonder how such our legislators would allow such a business to operate. I am so depressed and despondent over this costly mistake, but do n't know what to do at this point. My car is an older car but I do not want to lose it. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
Consumer has requested to have XXXX XXXX acct. removed or have inaccurate information updated or remove, this account should have never been reported as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
XXXX XXXX hired Sessoms and Rogers, PA to collect a debt that they say ends in account number XXXX. A Sheriff ( Deputy XXXX XXXX ) came to my door and had no concrete information but just advised me that XXXX XXXX had placed a judgement on my credit and he never served me with papers or any information. On XXXX XXXX, 2016 I then received a notice from Sessoms and Rogers, PA that stated I could request documentation related to the account in question. On XXXX XXXX, 2016 I received a notice from XXXX XXXX XXXX that they had placed a {$4700.00} legal hold on my account because of a writ of execution from the sherriffs department. I have XXXX issues with all of this ; 1 ) I havent had 30 days to do anything 2 ) the legal hold and fees that the bank applied as well as the violation of my account may have been issued by a lawful entity but it has no merit and is an absolute violaton because there is no due process and it places me and my family in a hardship situation because I am the sole provider for XXXX dependents. 3 ) As I research the situation of how I could even get into this predicament, I see that I was supposed to be provided written documentation from the creditor or debt collector, there could have been a court hearing ( that I know or knew nothing of to defend or advocate for myself ) and I should have been served some documentation and not just a visit. Portfolio recovery for me was already settled when I purchased my home and I would like to know at this point what this is. It is harrassment and an absolute violation. The legal hold by XXXX XXXX XXXX as a tactic used by the Sherriff 's Department is also a major violation because they put a hold on an account that would never have {$4700.00} in it and all utilities for my home come out of that account. How could one ever pay all of that money at one time, continue with not falling into debt with their other creditors and servicers and not fall into deeper debt? No one wants to provide me with written documentation. I have been in a predicament before where I called people and thought I had a settlement and then it turned into something else ; I only want clear and written documentation and the only person I really would like to talk to is someone who can advocate for me and a judge who I know would have transcripts of our encounter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous Estate administrator to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate Administrator for my sister who passed away XX/XX/XXXX. Upon my sisters death the Vermont probate court appointed my Mother as the administrator of my sisters Estate and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the Estate administrator. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as administrator on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed administrator and XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets. 

Estate of XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
this is a continuation of the case # XXXX against CHASE BANK TWO MONTHS AGO ON XXXX XXXX THEY RESPONDED THAT I HAVE CREDIT BALANCE OF XXXX AND I OWE THE MORTGAGE FOR XXXX XXXX XXXX XXXX TOTAL DUE {$1200.00}. WHERE AS I HAD ALREADY PAID FOR XXXX XXXX AND THEY CLAIMED THEY DID NOT RECEIVE MY {$900.00} PAYMENT IN XXXX XXXX. 
I SUPPLIED THEM THE ENTIRE PAYMENT RECORD FOR THAT PERIOD.. 

NOW THEY CAME UP WITH NEW THING THAT MY ESCROW IS SHORT OF XXXX AND I AM STILL A MONTH BEHIND. 

DO THE CHASE HAS ANY SINGLE EDUCATED PERSON LEFT IN STAFF SO THAT HE/SHE CAN GO TO MY PAYMENT HISTORY AND CALCULATE HOW MUCH I PAID IN LAST 45 MONTHS AND HOW MUCH TOTAL I WAS SUPPOSE TO PAY IN LAST 45 MONTHS. 
IS THIS TOO MUCH I AM ASKING .. IT WILL TAKE LESS THAN 2 HOURS TO GO TO EXCEL SHEETS AND JUST VIEW ALL PAYMENTS MADE AND THAN JUST VIEW HOW MUST WAS DUE. 

THEY DO NOT WANT TO WORK THEY JUST LIKE TO HARASS CUSTOMERS BECAUSE THEY GET PAY FOR THIS TOO. 

SHAME ON CHASE BANK. 
BUT I PROMISE I AM NOT GOING TO PAY TWICE EITHER NO MATTER IF I HAVE TO GO TO THE COURT ... 

XXXX AND XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A representative from Chase Commercial Services by the name of XXXX XXXX called my cell phone on XX/XX/2016 and was impersonated to be a lawyer representing XXXX XXXX.After several attempts he also mentioned he worked for CHASE BANK. He then went on to try to collect the wrong amount for a difference of $ XXXX I actually send XXXX XXXX and email with the indication that what he was trying to collect was the wrong amount. He continued to send me text messages where he is using my social security and sending me a text message with my social security. I have asked the representative by the name of XXXX XXXX to stop calling me and to stop calling my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Card says that it has a balance transfer option. But I 've never been able to transfer a balance and in the XXXX to four years I 've had this card I have not been offered a balance transfer deal. I 'm not getting the full service of this card without the option to transfer a balance. I want to be able to do this, Chase needs to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX we rented a car from XXXX in XXXX, through a broker, XXXX XXXX. Rental car fees were charged to our Chase Visa card. Under the terms of the rental agreement, local taxes, and misc fees were to be invoiced after return of the car. Upon receiving a billing to our credit card for XXXX XXXX from XXXX after the rental period, we found that this billing included XXXX XXXX for refueling the car, despite the car being returned full. We filed a complaint with our credit card bank, Chase, and the dispute was resolved in our favor. XXXX issued a credit for XXXX XXXX. 
Subsequently XXXX claimed that they were never paid the undisputed amount of XXXX XXXX by Chase. Despite several letters from us, they turned the non-payment over to a payment recovery company, XXXX, who threatened legal action. Chase states that XXXX has been paid. In three separate conversations with Chase, including one with a supervisor, Chase maintains that XXXX has been paid. I have requested that Chase furnish tracking information so that if Chase has paid XXXX, the payment can be traced. Chase refuses to provide tracking information - their position is that the charges appear on their credit card statement, therefore XXXX has been paid. 
At Chase 's suggestion I have furnished XXXX with copies of all credit card statements of our credit card since XXXX, 2015, asking them to check their bank for payment, all to no avail. XXXX advises that they have checked and continues to insist that it has not been paid. 
In conclusion, it is impossible for us to resolve this issue. We have paid Chase for the non-disputed amount. XXXX insists that they have not been paid, Chase insists that it has made payment, but refuses to provide payment tracking information. 
Note that the outstanding amount has now dropped to XXXX XXXX as a result of XXXX offering a further discount of XXXX XXXX to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a copy of my credit report. It shows numerous inquiries from Chase Mortgage. I have no business with Chase Mortgage. I do have an auto loan with Chase. In the past XXXX years, Chase Mortgage has made more than XXXX soft inquiries into my credit history. Soft inquiries are for business purposes but I have no business with Chase Mortgage in any fashion nor have I inquiried into obtaining XXXX. Moreover, I have never received an offer from them. On the other hand, I only have XXXX inquire from Chase XXXX. At this point, I believe someone with Chase Mortgage is abusing their privileges to inquire about a person 's financial history. This is abusive. Whaat steps is Chase Mortgage taking to insure their employees are not abusing their sensitive information access. 

It confuses me how you would try and tie me to an account that does not belong to me. I received a letter from Chase with a person named XXXX at point of contact. He attached a loan that does n't belong to me and provide a contact number which I have never provided.i will repeat I only have an Chase XXXX loan. Chase needs to explain to me throughly or I will have to take it a step further. 

P.S. USE THE INFORMATION I PROVIDED TO CORRECTLY IDENTIFY THE CORRECT PERSON. DO NOT INSULT MY INTELLIGENCE.

Company response to consumer: Closed with explanation