vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 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: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
THE EMAIL BELOW IS XXXX OF XXXX THAT I HAVE SENT TO THE PERSON THAT HELPED ME AT MAURY COBB AND ASSOCIATES , LLC ( XXXX XXXX XXXX XXXX , XXXX XXXX , AL XXXX - XXXX - HER NAME IS XXXX XXXX ) I HAVE SENT AN INCREDIBLE AMOUNT OF EMAILS AND TO THIS DAY, I HAVE GOTTEN NOTHING BUT THE RUN AROUND. THIS HAS ADVERSLY IMPACTED MY CREDIT AND THIS COMPNAY HAS TOTALLY MIS-REPRESENTED THEMSELVES. 

This email is in response to my verbal debt settlement agreement for a XXXX account made between us both on XXXX/XXXX/16. I appreciate that your company was willing to work with me in settling this debt showing up on my credit report. The sole purpose of my verbal agreement with you was to settle on an amount ( {$200.00} ) and get the listing removed from my credit report. I made sure to ask you several times if the letter that you would send me would state that the amount was settled, and most importantly, that the letter would be submitted to all XXXX credit bureaus asking them to remove it from my credit report. We spoke on Friday XXXX/XXXX/16, and you mentioned to me that the letter that I just described would be sent to me the following Monday XXXX/XXXX/16. I never received your promised letter. You had also confirmed to me that the account that still continues showing on the collections section of my credit report was to be removed within 10 calendar days from the receipt of payment on XXXX/XXXX/16. That has yet to happen. 

I am sending you this email now to once again request that you send me the promised letter before the end of this business week, and that you co-ordinate with the credit bureaus and eliminate all the negative markings related to this account. This is urgent for me since I am working on rebuilding my credit as quickly and effectively as possible. I am going through a divorce at the moment and trying to re-establish myself and my credit as a single mother so that I can qualify in short order to buy a home for my children and I. That is my personal motivation that is driving me to urgently get this account removed from my records. I need to bring up my credit score to qualify for the purchase of a home for my kids, and unfortunately, this was an account that my soon to be ex-husband had under my name that of course, he closed without paying. 

XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.

Company response to consumer: Closed
Consumer complaint received 2015-10-22 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: JMD,LLC
State: CA

Complaint narrative:
XXXX was paid XX/XX/XXXX. The next correspondence was a collection notice XX/XX/XXXX.. 
If I had n't paid they would have sent me another bill and I did not receive any bills in all that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: KS

Complaint narrative:
I have disputed several times with XXXX and United Revenue Corporation. This account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Patient Account Services, LLC
State: OH

Complaint narrative:
We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.

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 explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Capio Partners for Capio Parnters 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Capio Partners. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in XXXX years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am requesting copies of the original mortgage assignment to Chase for this loan. 

I would like to see documents that show when Chase was assigned the right to collect or service this mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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 has withdrawn money from my personal checking account ( non chase account ) for over four years. When I called Chase ( five times on XX/XX/2016 ), to inquire about the Chase account where the money is going, they were unable to provide the information. I provided the routing number and account number for the account that they have withdrew money from and appeared that Chase was unable to track where this is going. Furthermore, Chase did not comment when questioned bout the authorization of auto pay from my checking account ( non-Chase account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I was told this XX/XX/XXXX that my Income based repayment plan would continue as long as I provided my tax information each year. Which I 'm sure I read when I started the XXXX many years ago. However I was never told what my calendar year anniversary was, or a specific date. Rather that I had just to provide my tax info once I had it. Now I realize that each year they 've added interest to my principle while I waited for my tax info to arrive and then to file it. The representative at Nelnet never stated a specific date but just a general statement, He said " once you 've got your tax info turn it in to us to continue with the XXXX ''. I 've just been told today by another representative at Nelnet that my XXXX lapsed for a period and over {$3000.00} has now been added to my principle and there 's nothing that can be done about that.That 's equal to or more than I will make in payments ... I can only guess that this has happened each year and they just gladly applied that to my principle but never called me to state if we do n't get " X '' information by this date you will get booted from the IBR. This is a terrible and deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX I contacted Chase Slate card services twice to get a pay off for XXXX credit cards. I was told they could not give me an amount. I paid the balance on both cards and closed the accounts as of XXXX XXXX 2016. I the received a bill for {$170.00} XXXX XXXX XXXX I went into Chase and spoke to a loan officer about getting pay off. She spoke to Chase services and told me to pay {$170.00} that day. I did pay the amount. I contacted the WA Attorney General because I felt they should have given me a pay off. Today a representative of Chase called me I was told I had to pay an additional {$11.00}. I went back into a Chase bank a loan officer called services and spent over an hour trying to get this fee waived. He was told no. We offered to pay the amount if we could have an email or something to say it was paid off. The card rep said no. The local loan officer was told it was the principal. I then found out the {$11.00} was for XXXX of the cards that had a XXXX balance when I checked XXXX XXXX. The {$11.00} posted XXXX XXXX. How can I get them to stop charging me and why cant they calculate a pay off when someone calls even their loan officers. I am told all is legal. Sounds very wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I paid off my car loan with Chase Bank and it reported it as Account Closed and my credit scores have gone down. I need this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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:
Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.

Company response to consumer: Closed with explanation