vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Balance of loan payment and credit use is incorrect and inaccurately reported. Auto loan balance listed as mortgage from XXXX XXXX XXXX is now {$1500.00} as at XX/XX/2016 but to date all XXXX credit reporting institutions report it to be {$13000.00}. I disputed that by writing to them all enclosing proof of payments as furnished to me by XXXX XXXX XXXX. Nothing has been done and thus I have totally failed to get a financier for my leased car hence returned the car. Likewise, I can not get any loan whatsoever the amount due to that misreported outstanding balance. Humbly seek assistance to have record corrected as per attached documents provided by XXXX. Thank you so much for your kind cooperation.

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 2015-08-07 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 have always had medical insurance. XXXX hospital made an error in their billing and they state that I owe them money and I do not. Collections Consultants calls and harasses me stating they will sue and take me to court. I once tried to pay off a debt of XXXX which was the only amount that it showed I owed and when I tried to pay they did not accept it they stated that I owed over XXXX. This company seems very fraudulent and they operate like an organized crime group full of uneducated thug like individuals. Please shut them down. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX, 2015 Chase Bank, XXXX XXXX XXXX XXXX XXXX, XXXX Michigan XXXX sent a Fraudulent Wire Check Transfer to my XXXX XXXX, Michigan Account for {$1500.00}. I withdrew this {$1500.00} out of my checking account on XXXX XXXX, 2015 not knowing that is was fraudulent. On XXXX XXXX, 2015 XXXX XXXX, Michigan informed me that the Wire Transfer Check had Bounced from Chase Bank, and I was being charged for {$1500.00} and all subsequent overdraft fees. XXXX XXXX subsequently took my deposits into my checking account Veteran 's, Unemployment, ect. to pay for this bounced Wire Check From Chase Bank, and closed the account leaving {$800.00} unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: MN

Complaint narrative:
Hello, I 've been trying to pay off my student loans. Every month I pay about XXXX extra on my highest interest loan. I always check the " do not advance due date '' check box. For months, this has allowed me to make the payment for the month and apply the rest of the payment to principle. Yet, when I made my payment this month, I logged in and found out that I still was expected to pay my payment for the month again. I called to talk to a representative and she said that " They have no explanation why the payment system is not working correctly ''. She also said " it 's being " wonky '' this month '' and could give no further explanation. 
She then said I should pay my payment again this month ( while having no explanation as to how this would affect my interest accrued ) or that I could have my payment deferred into the next month because the system was being wonky. 

I do n't feel that this is an adequate explanation and I have no reassurance that my payments are being applied correctly. If I had n't logged in early this month I would have had to pay additional interest and penalties. 

It 's not my job to debug their IT systems and I would like an explanation and some reassurance that my account is n't being overcharged. I also do n't feel I should have to constantly log in to make sure that their system is n't being " wonky '' and making me make additional payments that I do n't owe. She also tried to blame it on me for checking the " due not advance due date '' checkbox, but that still means I 'm making the payment for the month. It just does n't apply it 3-4 months out when I pay extra towards the loan. 


Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2016 - Checked my credit report and found an inquiry from company on XX/XX/2016. I did not put in an application for this company and my credit report should not have been run.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Based on the evidence that I have found it appears that my Mortgage Loan Payoff was overcharged when it was refinanced in 2001. The overcharge carried over into my new loan which caused further overcharges in compound interest. The overcharged payoff also created an incorrect loan to value ratio that extended my payments for the required Mortgage Insurance Premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: OH

Complaint narrative:
I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: Regional Management Corporation
State: SC

Complaint narrative:
I have contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Lending
State: CA

Complaint narrative:
There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: Regional Management Corporation
State: TX

Complaint narrative:
I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Academy Mortgage Corporation
State: UT

Complaint narrative:
I received an email from one of the lenders I 've been considering. It said ( among other things ), " The next step in the process is for you to Esign your Initial Loan Disclosures. I have also attached a pdf format for you, that way if you want you can print and sign them and then send them back to XXXX and I. '' The PDF that they attached contained sensitive personal information, like my SSN and financial history. However, the PDF was not encrypted. I 'm concerned that this lender is regularly transmitting such sensitive information in a careless way, not taking the appropriate steps to keep their client 's personal information secure. 

I responded with my concerns, quoting guidance provided on the FTC 's website ( https : //www.ftc.gov/tips-advice/business-center/guidance/financial-institutions-customer-information-complying ) regarding transmitting information over email. A colleague of the original sender responded to me with, " XXXX should be sending these documents Encrypted. We have a system in place for this. We will make sure he does this starting Now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ

Complaint narrative:
Agreed upon amount to settle debt was paid. Did not report to credit card company that this was a full settlement. Credit card company still reports I have a balance.

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 2016-07-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diaz & Associates, Inc.
State: KY

Complaint narrative:
I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.

Company response to consumer: Closed with explanation