vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
It 's called Paragon Revenue Group And it says it was opened XX/XX/2014 and the amount is {$3400.00} Theres NO WAY I could have gotten that amout from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 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:
Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my Synchrony card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for Conns, Walmart and Credit Care No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 

If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Please do not contact me by phone, please contact me at my email address XXXXXXXXXXXX. NO PHONE CALLS! 
I will be glad to receive a positive response from your end. 
Yours sincerely

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 non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They stated they are a collection agency for Chase I contacted Chase and they say they handle all aspects of collections on their own. This company will not give me their name, address or anything they called me 5 times in one day. They are rude

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I had filed chapter XXXX bankruptcy in 2008. It was disharged in XXXX of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on XXXX/XXXX/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on XXXX/XXXX/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of XXXX/XXXX/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporting the account to the credit reporting agencies and have the account deleted from the credit reports. This needs to be done to be in compliance with FCRA. Please contact me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Disputed last pd date in XXXX, account charged off. Showing on C/R, s as Open Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Platinum Holdings Group, LLC
State: OH

Complaint narrative:
I took out a loan with XXXX XXXX. I am now being contacted by Worldwide Recovery XXXX, and they will not tell me the original amount of the loan. I have also received an email, with no contact information, regarding this loan at a different amount. When the agent from Worldwide Recovery called, after promising to send an email with the information, he was yelling at me about " The games I want to play ''. The letter that was finally emailed to me clearly states the date and payment method, with the due date. I informed him I would follow the instructions of the letter, and he told me that he had to collect a credit card number immediately. When I told him I would be following the directions of the letter, he yelled that I " better '' and hung up the phone. This was the second time he hung up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started calling Chase Bank on XX/XX/XXXX, to retrieve a copy of my XX/XX/XXXX Mortgage Interest Statement. I have been given the run around and as of today nothing has been done. I have n't received any call back which I have called XXXX times now. Each time I call, I get someone new with total different information. I fax a letter to the XXXX XXXX XXXX on XX/XX/XXXX, regarding my compliant with his executive office and bad customer service I have experience with a month now. I was mailed the incorrect documentation after faxing a prior year of the same statement. I called on today and was told to call XXXX which I did and they could not help me at all. I was then referred to CFPB to file a complaint against Chase Bank. I advised Chase rep that I needed this statement for auditing purpose and its imperative that I have it. I was given an extension and it 's now running out and I still have yet to retrieve this document from Chase. My issue is trying to get a Mortgage Interest Statement for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We applied to Refi our current loan with Chase bank. So we can get a better interest rate. They told us we where approved, took our good faith money, and we even got our home appraised. They kept dragging the process on for about two months. I kept calling about every other day trying to find out what was going on. I finally I got a hold our loan officer, and she told us we were denied because my wife switched from XXXX and because she was receiving checks from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter from Chase stating that my credit card was being canceled because continuing the relationship represented a possible reputational risk to Chase. Three phone calls were made with no explanation given. An e-mail was sent and we got a message saying that we would get a response in 10-12 days via US mail. When the letter came it referenced an article on a XXXX web site as the basis for their decision. ( XXXX ) This article references a XXXX in XXXX in 2006 and references someone with the same name as mine but actually has no relevance to me. I do n't live nor have I ever lived in XXXX, I have no criminal record and I have no relationship to the people in this article. I am recently retired, an XXXX, and a graduate of an XXXX XXXX University with no criminal record, not a XXXX as they seem to imply. 
After receiving the last letter from Chase, I called the person who had sent the letter ( XXXX XXXX ) four times over three days before getting a return call. He said that he would have the issue reviewed and get back to me within two days. It took five business days and an additional three call from me before he called and said that " they '' had decided not to change their decision. 
It 's obvious that Chase made no effort to verify their information and is perfectly willing to smear my reputation and hurt my credit rating based on inaccurate/false information and shoddy research on their part. 
I have several questions : Did Chase cancel the credit cards of everyone with my name? 
If the report had the name XXXX XXXX in it would they have canceled the credit card of everyone with that name? 
Why did they decide to cancel the account after two years? Is it because I always pay on time and they never collect any interest? 
It 's shameful that they feel free to impugn my character and integrity in the name of maintaining their reputation and hurt my credit rating in the process.. How can someone with a good credit rating and no criminal record possibly hurt the reputation of a company like Chase.

Company response to consumer: Closed with explanation