vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged a $ 15 monthly service fee on XXXX of my Chase checking accounts. In XXXX, I complained to the XXXX because I was being charged these same exact fees, despite the fact that Chase states they will not charge these fees if you have a balance across all your Chase accounts of at least {$25000.00}. During the same month I was charged this fee, I had a balance in XXXX of my other checking accounts of {$130000.00}, which is well over {$25000.00}. In XXXX, Chase apologised and said that they linked my accounts and I would no longer be charged a service fee. But I am now being charged the fee again. I want them to reverse the fee, to stop charging me the fees in the future, and to be reported for this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
I contacted my current mortgage servicer, Seterus , Inc. to make payments on my mortgage account. However, after more than a week, Seterus. Inc did not process the payments and the amount remained in my bank account. I called Seterus, Inc. again to inquire about why the payment was not processed. They told me to contact the bank because it did posted to the account. When I called the bank, the bank informed me that Seterus, Inc made no effort to process the payment through my account. In the interim, I received a notice of default for my mortgage. Another attempt was made to process the payment through a different account. I decided to close my checking account and resend the payment ( XXXX XXXX XXXX ), but allow it to come out of my savings account instead. Without my personal authorization, this payment was some how rejected, as well. Nonetheless, I made another attempt to process my mortgage payment, but this time from a totally different account. Although, Seterus, Inc is agreeing to accept my payments and providing me with a confirmation numbers, Seterus, Inc. is not processing the payments. Although, I have made several attempts to make mortgage payments to Seterus, Inc., if payments are not properly posted to the account, additional interest and fees are accumulate, raising the balance on my mortgage. Furthermore, even though numerous efforts have been made to make payments on my mortgage account, Seterus , Inc, is trying to force my loan into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: Receivables Performance Management, LLC
State: IN

Complaint narrative:
i have talk to then and told then it was not me and show all I got that say it not me and they have not stop.i wish you put a stop to then and show it not me.i have try and try to tekk then it not me but they have not stop so I an sending this to you and let you stop then

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 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NE

Complaint narrative:
These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.

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 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV

Complaint narrative:
School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I exchanged a phone. I had a certain amount of time to return it. In order to gather personal info from the phone, I requested and was granted an extention. I then returned the phone. They have the phone and noted that it was returned, but still charged me the full amount and claim I did not return the phone on time.

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 2017-02-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file immediately.

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 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: NM

Complaint narrative:
I have received numerous telephone calls attempting to collect a debt from " XXXX XXXX. '' I do not know an " XXXX XXXX '' and told the company that during the XXXX - XXXX attempt they made to contact me. 

I also told them to take my name ( " XXXX XXXX '' ) off the list and that I would report them if they called again. 

I received a call from XXXX XXXX which seems to be from XXXX Maryland. However, the person on the phone said that her company, RPM was located in Washington. She said that she did not know the address ( but apparently had made it to work that day at some address ). She stated that her name was XXXX and that her supervisor was XXXX XXXX (? ). She was very hesitant to provide me with any information on the company or how to contact them.

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 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO
State: NY

Complaint narrative:
I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I terminated my XXXX XXXX account due to a better deal I received from XXXX. XXXX sent me a bill indicating I have a credit of {$25.00}. I then had their network equipment sent back. 

After about a month, XXXX sent me a bill of {$140.00}. I returned the bill indicating the service was already disconnected. After about another month, we were receiving calls from private callers and/or caller IDs with XXXX*. When we try to answer the call, they will always hang up. When we enabled voice mail, the callers will hang up or leave a continuous tone on the machine. 

We stopped receiving these calls on XXXX XXXX, the first day of the XXXX strike. I noticed that my XXXX score went down from " XXXX '' to " XXXX '' due to a " derogatory '' record from the " unpaid '' XXXX bill. 

I would appreciate your help in this matter. 

Thank you for your efforts. 

Respectfully, XXXX XXXX

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