vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 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: Account Information Management Corporation
State: WY

Complaint narrative:
I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi I gave my credit card to a merchant as a guarantee that I will pay. The merchant was supposed to call me to discuss the price and I would let him know how I planned on paying. We discussed that it would not cost more than {$500.00}. A few days later I see a {$500.00} charge on my card. I do not know if any services were preformed. I called the merchant up, and ask " what 's this? '' He replied, " you said I can charge your card ''. I said " that is not true ''. I requested him to send my lawyer a copy of the bill. He never did. I then contacted Chase to start a dispute. I called them on XXXX/XXXX/16. They never responded to me. I got a letter requesting more information from them, but they told me on the phone that I would receive the letter and I should ignore it. On XXXX/XXXX/16 ( I think ) I received a voice message from someone claiming to work in Chase with a request to call them back. I called the number on the back of the card and asked who is trying to reach me. The response I got was " that is not a chase number, nobody want to talk to you ''. I called then back today XXXX XXXX/XXXX/16 XXXX to check on my dispute, and they said basically I could jump and they are not going to help me, and the dispute is closed. 
Please punish them for breaking the law, as far as I understand, no merchant can charge my card without my permission, and they need to provide me with a receipt. My hunch is the merchant does not want to give me a receipt is either the work was never done, or he is way overcharging me. 
Thanks for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am requesting to file a formal complaint conserning my mortgage with Chase. 
In XX/XX/XXXX I filed a Chapter XXXX, payments started in XX/XX/XXXX the bankruptcy was approved in XX/XX/XXXX. Part of the chapter XXXX was that my mortgage would be paid In full and that chase would release the lean to my residence. 
XXXX XXXX all payments were completed for the chapter XXXX and discharged by the court. 
Since that time I have recieved several documents from Chase stating that I still owe a significant amount of money and the balance was different in each statement. 
While examining the document sent to me dated XXXX/XXXX/XXXX I noticed some strange calculations. 
Starting Date XXXX/XXXX/XXXX : Corporate advance Fee paid. {$4400.00} recieved. 
Unapplied funds {$5400.00} XXXX/XXXX/XXXX XXXX {$990.00} recieved Also XXXX/XXXX/XXXX Corporate advance fee {$480.00}. 
XXXX/XXXX/XXXX payment {$340.00} ( principal ) {$66.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX unapplied cash {$4400.00} XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$64.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$68.00} ( interest XXXX {$80.00} ( escrow ) I had also noticed an escrow overage also. 
As I was concerned about the a, pint of money that had been paid to a corporate advance fee, I called the number provided by Chase. I requested a detailed breakdown of the funds in question. 
On XXXX/XXXX/XXXX I recieved from chase a detailed breakdown of corporate advance fee. 
The breakdown was as follows : XXXX/XXXX/XXXX & XXXX cost of having a real estate broker determine value of property. 
XXXX/XXXX/XXXX {$10.00} cost of notice of sale that shows time of sale of the property. 
XXXX/XXXX/XXXX {$360.00} cost recovering a title guarantee at start of foreclosure. 
XXXX/XXXX/XXXX & XXXX cost of posting the notice of sale. 
XXXX/XXXX/XXXX {$320.00} cost of publishing the foreclosure in local paper. 
XXXX/XXXX/XXXX {$340.00} mailing cost incurred during the process. 
XXXX/XXXX/XXXX {$600.00} cost of providing by the trustee handeling the foreclosure. 
I was not aware of any of these issues and was already paying a chapter XXXX. None of the actions taken were legal. 
I also called Chase in refrence to the several notifications about delinquent payments and balances due. The chapter XXXX trustee had made all payments to chase per the court orders. 
When I called Chase I was told that I was 17 months behind delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: KS

Complaint narrative:
I had my identity stolen in 2013 and XXXX of the accounts that was opened under my social security number was a cash into check payday loan. 

I received a phone call stating that a felony check case was going to be forwarded to my XXXX and a warrant will be filed for my arrest later that day, unless I paid the debt. 

I asked if I could send them police reports, affidavits and all of my identity theft information to resolve the issue and was told that I would need to turn myself in to be arrested, hire an attorney and take my case in front of the judge who would probably find me guilty any way. 

I was told that I could pay the bill of {$930.00} ( which does n't warrant a felony, by the way ) and then take whoever stole my identity to civil court and get my money back. 

I was told I could not send any information to them at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC
State: PA

Complaint narrative:
I had medical insurance at the time and it should of been covered. It has been since XX/XX/2011. I would like it removed from my credit report.

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 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My JP Morgan Chase was modified on XXXX XXXX, 2013. While I signed the documents, I realize that I was desperate in an effort to avoid foreclosure. I now believe that the fees added to my original loan was excessive. My original mortgage balance increased from {$180000.00} to {$220000.00}, approximately {$36000.00}. The condo is even more underwater & over market value now, by at minimum {$80000.00}. Afterwards, JP Morgan Chase sold the mortgage to XXXX , XXXX ( loan # XXXX ). Please investigate this matter to have them explain the excessive fees. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorganChase has managed my escrow account with the mortgage I have with them. 
On XXXX/XXXX/16, Chase paid {$650.00} illegally and unauthorized from the escrow funds for home- owners insurance coverage, while there was in force coverage from XXXX XXXX XXXX , my current carrier. I never signed on with this other company as well as not notified Chase that I authorized a switch of carrier. Chase is now having problems with replacing my funds ( {$650.00} ) to the escrow as it shows ( ( - ) minus. Chase mismanaged my escrow acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I got an email from my loan consolidator that my monthly payments are going to be changed because my " original loan servicer notified us that the amount we sent them to pay off your loans did not match the actual amount due. We have adjusted your balance accordingly. '' I did n't receive any information about which servicer sent this notification, how much my balance would be changed, etc. I paid over {$7000.00} in interest last year on student loans and my balance moved a minuscule {$1000.00} from {$110000.00} to {$110000.00} balance. Not to mention I receive no tax deductions for paying this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. 

On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. 

On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). 

On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. 

On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase credit card services continues to charge us for a XXXX bill of {$50.00}. This charge is in dispute and will will not be paying it ... Chase is using unfair labor practices on my wife and us and charging us for a bill that they can not resolve and give us credit back on. In question was XXXX hotel XXXX charging us for a XXXX night stay plus a deposit of which we paid for of $ 34 months ago on the card. We stayed only XXXX night at XXXX hotel in XXXX XXXX not XXXX nights. Chase card services needs to credit us back the disputed amount of at least {$60.00}. Again the paperwork shows that I sent in over a month ago shows we were not at circus circus for XXXX nights yet charged. We stayed the night in question at a XXXX in the XXXX XXXX area that night. We want this rebilled amount of {$50.00} taken off our card immediately. 

Truly XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an account holder with Chase, and had my debit card compromised and someone made fraudulent withdrawals on XX/XX/XXXX ( although now they are showing up as XX/XX/XXXX when I log online ). I reported the charges as soon as I saw them on XX/XX/XXXX and the following day XX/XX/XXXX was emailed from the Chase Customer Claims dept and asked to submit an electronic affidavit on the incident. I promptly returned the affidavit and finally got a response from Chase today the XX/XX/XXXX. I was surprised to see that the boxes I had checked off on the affidavit were NOT the ones in the document they had on file, and they denied to reimburse me because I had checked a box that read " I never received the card in the mail ''. I called them and they agreed ( after escalating to a senior supervisor ) to allow me to fill out the customer questionnaire a second time. I carefully filled out the customer questionnaire/electronic affidavit the second time from a desktop computer, and after proofreading it carefully and re-submitting it, was very disturbed to see that AGAIN my answers were not the ones that appeared on the upload pdf in their secure messaging system. I called Chase Customer Claims a third time and asked to be permitted to send in the affidavit a third time, and this time opted for a hard copy which I filled out in pen and paper and faxed to them directly ( and brought a hard copy to the nearest branch ). Furthermore, my ATM card debit charges all came from XXXX, which is a Chase branch. The bank knows very well that I have had an ATM card with them for the past 8 months as I use it nearly daily, so the notion that I checked a box " I never received the card in the mail '' is ridiculous. Furthermore, I am concerned that there is a " glitch '' in the Chase Customer Claims " Customer Questionnaire-Electronic Affidavit '', that is changing the answers one types in, and thus giving the bank a reason to deny compensating customers. I am absolutely 100 % sure that I filled out that questionnaire with different checked boxes than what ended up uploading to my file, and the fact that it happened twice has me extremely concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a notice from Chase Bank USA in the mail stating that the terms of my cardmember agreement had been revised and that my Cash Advance APR rate would arbitrarily rise from 19.49 % to 25.24 %. I called the hotline posted on the notice and spoke with a customer service representative from Chase to dispute the changes to the agreement. The representative was kind, but told me that my only option to reject the interest rate hike was to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: KY

Complaint narrative:
My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This seemed too petty to complain about at first, but then I realized they are doing this to thousands of people, I have a XXXX XXXX Chase credit card. With this credit card, I am promised XXXX free passes to XXXX XXXX XXXX. Then, I find this cheap airline ticket to XXXX through XXXX. I have the XXXX XXXX terminal, it 's overcrowded and you end up paying {$3.00} for a brown banana. But that does n't matter, because, hey I 've got this pass for the XXXX XXXX. 

Except I do n't. I find out when I get there .. I 've seen no other notice ... that pass members are not allowed to access the club. I am not allowed access and not offered compensation. Now, this is understandable, as there is verbiage about " availability '' in the pass notes. But here 's what infuriates me : the reason was because of renovations. They closed all the Clubs to one-time passes in all XXXX of their XXXX hub clubs for a cause under their control. They **planned** a shortage of capacity -- the weather was fine and travel conditions normal -- and solved their problems at the expense of low-priority customers. Customers who had no realistic way to know they did this. This is an ongoing condition. Customers lured into flying through XXXX under these conditions should receive compensation. It 's worth noting that I checked and it was an option to pay {$59.00} for club access in XXXX online. If it was so crowded, why was that allowed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I had spoken with a rep from the dept. of education in XXXX of 2013 about putting my student loan accounts in deferrment because my income was limited, and I was told I was eligible to place these loans into deferrment. On the phone, I asked them to place the loans in deferrment, and to my knowledge, they had been deferred. Only to find out a few months later, I found out that the loans actually did not get deferred per my conversation with the rep. Once I found this out, it was too late and the late payments had already greatly affected my credit rating. I immediately caught up on the loan payments and have been caught up ever since. I am in the process of buying a home, and this is plaguing score, and unjustly so. I would like it to be removed, and a letter sent stating that it will be which I can provide to my home loan officer.

Company response to consumer: Closed with explanation