vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: OK

Complaint narrative:
I am currently in an active chapter XXXX bankruptcy and I want to voluntarily reaffirm my debt with Gateway mortgage. I have filed pro se. I am able to file the document myself with no charge. Gateway states that if they send it to counsel that they will charge my account. For me to be able to file I have to have the original signatures which the bankruptcy manager at gateway XXXX is refusing to send it to me. Stating that he does n't trust me and that he will not send it to me because I could change something. I am a bankruptcy lead for a mortgage company and I know that I can not legally change the information as that would be fraud. I have conveyed this information but he still refuses to send it to me. The court allowed me to file the reaffirmation but with deficiency of the mortgage company needing the original signature. When I contacted XXXX this morning he stated that they are sending to counsel and when I called I advised about not billing the fee to my account as that would be incorrect XXXX hung up on me. 1. With the note and mortgage that I signed at closing it does state that a fee may be assessed if referral to counsel is necessary " if there is a default '' we have never been in default on our mortgage account. 2. I have opinions from multiple local attorneys stating that the fee has to be listed in the reaffirmation agreement to be able to charge to the borrower. In this case the fee was not included in the reaffirmation agreement that I signed and filed. So in this case I do not believe that they would be able to charge the fee to me. All I want to do is reaffirm the debt to ensure that my monthly payments are reported to the credit bureaus as I know without the reaffirmation agreement they would not be able to. Again I can file it for free I just need the original signatures from the mortgage company which has refused and they are going to send to counsel and bill my account for something I can do for free.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I had agreed to make a payment with collections company, and provided payment information. The collector called me nearly 30 days later to report the payment was declined, although the funds were available at the time. He failed to state mini-miranda prior to disclosing account information. In addition, he stated he is only required to say it on one call, not any subsequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus. 

RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices Howard Lee Schiff, P.C.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The first case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XX/XX/XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is Howard Lee Schiff, LLC violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX District Small Claims Division on XXXX XXXX, XXXX? Massachusetts XXXX XXXX, XXXX XXXX, XXXX XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XX/XX/XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: SC

Complaint narrative:
as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JMD,LLC
State: CA

Complaint narrative:
company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX 2016, I applied on-line for a XXXX REWARDS Club offered by chase bank.I saw the advertisement on-line which had an offer of {$50.00} statement credit after first purchase plus XXXX points after spending {$1000.00} in first 3 months of opening card. After the card arrived, I called the cr. card co. to ask a question and the subject of the offers came up too. I was told that I would not get the {$50.00} cash! I told them why, the agent did not know why. Talked to a manager who never replied. Called several times, and I was told finally that I can get XXXX miles instead as an offer. I declined and insisted to get what the original ad had offered which enticed me to apply for the card. After much back and forth, I was asked to sent a copy of the ad which I had and fax it to them. 
In response I was told that someone has left a note on my account that " I was not eligible for the offer of {$50.00} ''. My last call to them was to put this in writing and explain exactly what they mean by this, how was I not eligible for their advertisement?. Well this was two weeks ago. I never got a letter of explanation and no one has contacted me. As a consumer, I hate bate and switch games. I applied on-line from the point ( page ) where the bonus offer was made and there was a button which said " apply here ''. so there was no other referral pages. no other links, but direct apply from the offer page. I want my {$50.00} and I want Chase be noted for their advertisement violation and this bate and switch game.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I submitted my first Credit Card payment to XXXX saving Bank thru my Bill Pay with Chase Bank. XXXX bank told me that because I address the check to XXXX Credit Card instead of XXXX banking they would refuse the check and return it ... They did not return the check but they did cash it and did not credit my Credit Card account ... I Submitted Documentation and after multiple calls they said they sent back the funds to my Bill pay. That was a Lie! They have not sent the Funds ... I believe they have committed a chrime. Please check them out! Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I have been charged a lot a fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank Card # XXXX is showing on all XXXX bureaus. When speaking with the reps at Chase I have been given another name of a collections company. XXXX XXXX Credit. This account was opened in XXXX and should be removed from my credit report. I am not even sure this account belongs to me. The only Chase card I had was dismissed in a personal bankruptcy in XXXX. Chase kept selling the account. Collection companies uncovered during conversations with Chase and credit bureau reports. 1 XXXX 2.XXXX ( collections ) 3. XXXX. Non of these companies have contacted me in writing about this account. Acccording to the FCRA it should come off my report. Please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband received a call on his cell from a person named XXXX XXXX at this number. When my husband asked who he was, what the call was in reference to and how he get my husband 's cell, XXXX refused to give any info except he was having me served and after giving his phone number XXXX hung up. My husband then called the number back to give them my cell number and a female answered with threatening actions and curse words. I came in and my husband asked me to speak with the female who would not give her name, but proceeded to yell and scream at me that I owed a debt and the debt was being turned over to the IRS. After a minute or so I was finally able to get her to be quiet for a moment and asked what company she was calling from and for what creditor she was calling on behalf of. She rudely did not want to answer, she only wanted to threaten me that I was being served and the matter would be turned over to the IRS. I finally got her to say the original creditor was Chase Bank for a sum of over {$19000.00}. I do not have any accounts with Chase Bank and I informed her of such. She continued to yell and curse me out and by that time I simply told her to do what she needed to do and I unpolitely told her to XXXX and at that point she started cursing at me again and I hung up. It seems strange to me that this company would call my husband instead of me and be belligerent to both of us to such a high level.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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:
I am writing to dispute the following information in my file. 
Account Name : CHASE MTG Account # : XXXX Loan # : XXXX 1. XX/XX/XXXX report XXXX late payment 2. XX/XX/XXXX report XXXX late payment 3. XX/XX/XXXX report XXXX late payment I am requesting that the item be removed to correct the information. 
I have scheduled ACH payment of {$1700.00} that applied to my loan XX/XX/XXXX and pay all my payment in the from XX/XX/XXXX On XX/XX/XXXX XXXX add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 for XX/XX/XXXX payment they remove the escrow and pay XX/XX/XXXX of {$1700.00} 37 On XX/XX/XXXX the report XXXX late payment ask them to remove it ant is never append On XX/XX/XXXX, Again the add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} effective XX/XX/XXXX Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 This a have problem to remove.! and pay payment and on XX/XX/XXXX the payment increased up {$5500.00} after talk to the on the phone and to direct to my bank And wasting a lot a lot a lot of time I decide to pay full amount of the mortgage I called them asking for payoff amount they say they 're already send the payoff to a different company XXXX so I called XXXX to and I pay the Full amount of {$210000.00} and they close the loan. on XX/XX/XXXX, they are reporting XXXX and XXXX-day late payment on my credit effective on XX/XX/XXXX and XX/XX/XXXX Payment. called him and asked him to remove it after all the problems I 've been through they say they will and then they send this letter to contact the credit reporting agencies to explain the late payment to update your credit report On XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-America Accounts Control Bureau, Inc.
State: VA

Complaint narrative:
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.

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 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing

Company response to consumer: Closed with explanation