vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 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: First Advantage LNS Inc.
State: OH

Complaint narrative:
I received a final bill from XXXX XXXX that was not correct. I disputed the charges and after almost 2 weeks of email correspondences with their collections manager, I finally received notification from their accounting department stating that they found their error and they would be sending a refund check on XXXX/XXXX/15. Included in this email was a notice from the accountant to the collection manager to remove my name from their collection agency. On Friday, XXXX XXXX I received a phone call from the National Credit Audit Corporation threatening to report my disputed balance if full payment was n't received by XXXX/XXXX/15. I tried to explain the situation and that I had an email confirming that this had been resolved to which he responded that unless he received something directly from XXXX XXXX he would pursue collections. XXXX properties collections department, who I was directly reporting to, is closed on Fridays so I emailed them explaining the situation and then have tried to call them repeatedly on Monday XXXX XXXX XXXX and Tuesday ( XXXX ) and can not get a response even after leaving multiple messages to multiple staff. When I could n't get a hold of XXXX XXXX, I contacted the collection agency to update them on my actions and at that time the representative working my account implied that I was being untruthful and again threatened to pursue collection if I did n't pay the account balance immediately. I feel that this has been turned over to collection in error. My final bill from XXXX XXXX that I was originally disputing was n't due until XXXX/XXXX/15 so even if I did n't have an email from them telling me that they found their error, I still would n't be delinquent to the point of being turned over for collection and having it reported to the credit bureau. As of this date, I have not received any mail correspondence from the collection agency which I feel does n't qualify as proper notification of a debt due. If XXXX XXXX would respond to my emails and numerous phone messages I feel this would be resolved quickly and easily by a call to the collection agency informing them that I have a zero balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: NJ

Complaint narrative:
I enrolled in XXXX XXXX. After being told I did n't have enough to cover the cost I was given the option to use in house financial aid. Unbeknownst to my knowledge the school would later be closed. Genesis Lending my original in house provider now closes. XXXX XXXX XXXX takes over and closes and now XXXX is the collector. If the original lender was closed just as the school was why do students such as myself who were released from the debt by the DEPARTMENT OF EDUCATION have to fight with these " lenders '' who were found to be just as shady as the schools. All loans associated with XXXX should be done away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.

Company response to consumer: Closed
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
2 months ago I received an XXXX Chase Credit Card that I did not apply for. I immediately called Chase customer service to report my concern/close account. Chase customer service sent me to their fraud department. They asked me a series of questions, they put an alert on my account. I have XXXX credit card XXXX chase visa card through XXXX rewards program ) and sent me some free fraud education material. I checked my credit report, nothing popped up on there as of XX/XX/XXXX. I am not an amazon member, my wife is. 

I just received a phone call from Chase today ( XX/XX/XXXX ) asking me if i applied for an amazon card and I said no. He started to ask questions ( personal info ) so I hung up. Nothing is on my credit report etc ... what can I do ... .who should I call. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid my car lease on my credit card with Chase and was told there was a fee attached, {$21.00}, I understood and went through with the payment. On my following credit card statement the lease payment was n't there ( it was after the cut off date of the statement ). I paid the credit card in full. The following statement showed the lease bill paid and the {$21.00} fee attached. But on this statement they charged me {$10.00} interest fee. I called up and spoke to a representative who said that even though no interest was shown for me to pay on the statement and I paid in full, interest was acuring. I asked how could I pay what I did n't see, she said I should have called Chase to see what amount I owed and she could do nothing about the {$10.00} interest. I then paid that statement in full including the {$10.00} interest. This month I received my statement with another {$3.00} in interest. I called again and was told basically the same thing, I should have called to find out the right amount to pay. I ca n't understand why would I have to call to find out the right amount when I pay what the statement says. This is the second month being charged interest for an amount I could n't see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my checking account without reason, checking account ending in XXXX. After series of fraud alerts. Also listed a false dispute that could be used as a bases for closing the account. There appears to be a order of thinking that has gained ahold in the banking industry that seeks to control its clients. To hinder Creativity in finance is to hinder financial growth. It appears that creativity has appeared amongst the less fortune thus stagnating the minds of the fortune.Thur my research a number of banks are using the same tacit. The error was in giving the banks the stimtulus package. It should have been given to the people the banks would have ended up with it anyway and everybody would have been happy..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sent to Chase thru secure message center onlineXXXX XXXX, XXXXI had an account with Washington Mutual since the early XXXX while living in Oregon. With Chase taking over WaMu, it brought many hardships. I dealt with this as best I could but the local Chase people in California, were usually not helpful. I once again faced a large problem when I was told that the routing number on my checking acct was being changed and received a letter stating such. I went in to a branch to get assistance. They looked over my account, the letter, etc and then said I had to contact all my direct deposit entities notifying them. This required considerable time and effort, plus XXXX more visits to a Chase branch to make sure that the changeover would not disrupt my automatic deposits, etc. Finally all was done and the deposits went as they had in the past. Then I found out through my own efforts and with no help from Chase, that Chase had made yet another problem for me, for no reason other than their internal poor management and error. There was no change necessary as my routing number never changed, it was the same all along. So all the worry, time, phone calls, visits to branches, etc was for NOTHING! For this reason, I ask Chase to provide me some remuneration for all this time and effort and ask a {$100.00} gift card/deposit made to my checking account to make things right. Please let me know as soon as possible. Also, of great importance, please let me know what internal controls have been put in place so that Chase does not put me through further hassles. Please let me know as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Unauthorized and unrecognized transactions appear on my Chase credit card. Phone calls with customer service representatives and attempts to use online fraud reporting tool have not resolved disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While we were vacationing in XXXX, FL last week ( XX/XX/XXXX-XX/XX/2015 ), some crook went into a Chase branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and EMPTIED out our checking account. Someone posing as my husband withdrew {$4300.00} from our account leaving us with less than {$130.00}!!!!!! We have many bills coming due XX/XX/XXXX including our mortgage and homeowners associated dues, with others to follow including life insurance, car payment, etc. We went to the branch and filed the complaint. Chase says we now have to wait 30 business days and will not give us a provisional credit! This is OUTRAGEOUS. That will bring us into XX/XX/XXXX! We have bills to pay. This was not our fault. This was negligence on the bank 's side and they can easily fix this by pulling up surveillance video to confirm this was not us. Now we suffer because of the lack of security measures taken at the branch that allowed some low life criminal to empty our checking account on XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My identity was stolen on XX/XX/XXXX, and the bank was notified about the issue. On XX/XX/XXXX, my stolen ID was used to access my bank account information through a Chase Bank drive thru to deposit a fraudulent check and withdraw thousands of dollars out of my account at XXXX separate chase banks within 20-30 minutes apart with no action taken or alerts on my accounts. Subsequently, my account was withdrawn when the fraudulent checks bounced back and my account indefinitely frozen. Despite three police reports to include an auto break-in, identify theft, and a 3rd police report to share that my stolen ID was found by the police, I have yet to receive my FDIC insured money. It 's currently going into 32 business days. The bank investigator has not even reviewed my case due to an overwhelming volume of investigations. I would like to have an estimated time frame on when my assets will be unfrozen and my stolen funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We are a small XXXX and this home has sat vacant for at least 5 years. We periodically get notices of pending foreclosure that will happen but nothing does. This home owes the association {$4700.00} as of XXXX XXXX, 2016. This home has had multiple break ins and the front door is no longer secure. Additionally the yard is an eyesore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
The lender was provided a loan modification package on XX/XX/XXXX- was advised on XX/XX/XXXX that they received the package on XXXX and XXXX SPOC XXXX was reviewing the file - then on XX/XX/XXXX we were rudely hung up on when the rep XXXX advised that they did not have our 3rd party auth - called back and spoke to XXXX and he was able to locate the authorization, but then advised a new package was needed due to a delay in documents - which we were never advised were needed. The lender has missed deadlines due to the lack of review on this file and now the client is facing a sale date of XXXX/XXXX/XXXX because the lender did not review the file in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Payed for the same XXXX visa gift cards at XXXX XXXX on XXXX different credit cards. The visa gift cards were accepted twice by the scanner. Manager of store said he tried but could not contact anybody to help with situation. Chase credit card did not back me on the dispute after sending pictures of receipts to them been trying to get resolve. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation