vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Mortgage continues to apply additional principle payments to future loan payments. This illegally adds interest on principle that should have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a Chase card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a Chase account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2016 I sent inquiry to Chase regarding corporate fees and cost accessed to my loan. On XX/XX/2016 I received a response that I was n't responsible for corporate fees accessed XX/XX/2016 and XX/XX/2016 that they are non recoverable. I am concerned as to why fees and cost are being accessed on my loans when it is current. These fees were from XX/XX/2006. I had a loan mod and successfully completed the mod remaining current since that date. Why was n't these fees removed or rolled into the loan at that time? Why are fees and cost still on the loan XX/XX/2016? And if they were not recoverable why are they on my payment history in XX/XX/2016 10 years later? They are in violation of RESPA ACT. I also request recorded documents and letter dated XX/XX/2016 indicate they were unable to locate assignment of mortgage to Washington Mutual and WAMU to Chase. If those documents are not available how was Chase able to began foreclosure proceedings on my loan prior to XX/XX/2006 without proper documentation. Chase was violating many acts. I am demanding all recording documents including my executed modification. Being advised to go to the court house to obtain these documents are unacceptable ask have been paying this bank thousands of dollars. If my recorded docs are not available then where is these docs stored and can they retrieve these docs from that location. 
I would appreciate a response within 30 days. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went to a hotel in my city of XXXX where I believe the front door clerk stole my card information. when I realized the balance I immediately called chase for a resolution and was denied any help. I could n't believe how betrayed I felt by a company entrusted my funds with. Its like everybody 's nice until you need help. I just want my money back and my acct secured correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank sent an offer letter to settle a Home Equity Line of Credit for less than the original amount. 

Settlement term was to " Cancel any any outstanding balance on the account '' Settlement payment was sent to and cashed by Chase Bank. However, settlement term was not honored because balance still shows on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: MD

Complaint narrative:
I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
There is a medical debt listed on my XXXX credit report that is not mines. I have contacted the collections department/credit bureaus disputing this debt however it is still showing on my XXXX credit report. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-16 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: North Shore Agency, LLC
State: MN

Complaint narrative:
North Shore Agency , LLC, still has not submitted the proof of payment, I sent to them from my bank, XXXX XXXX XXXX for the payment of {$270.00}, I supposedly owe to the original creditor, XXXX XXXX. Review Consumer Financial Protection Bureau Complaint : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.

Company response to consumer: Closed with explanation