vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The mortgage company did not include a tax on my HUD statement at closing and now they want me to make the deficit up in my escrow account and increasing my monthly payment going forward. I never received any clarification on how or why this happened. Even after calling multiple times and speaking to multiple people in their company. When I call them they always deflect what happened and blames someone else. This deficit was brought to my attention three months after I closed on my house. I have spent countless hours on the phone with them. To date I still do not have a clear understanding on how or why this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 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: IL

Complaint narrative:
1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have had this card for years with Chase freedom. Always have paid on time. We have had a XXXX balance for a few months and put a camping reservation charge on. During sometime they switched my billing to paperless with out my approval. I did not receive my bill then received a late fee notice, also putting me in delinquent status. I called and they switched me back to mail billing and sent a bill. Also was told the fee would be reversed. We then payed more than half of what was owed, {$45.00} of {$76.00}. We payed this 2 days after receiving it. The next bill came in the mail the following month. They charged another late fee along with reversing the original fee. I called and they said we did n't pay the minimum payment. They said they could do anything about it. Even talked to the supervisor. I canceled this account on the spot! This can not be legal..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Had a title loan, paid off the interest and trying to pay on the principle as agreed. After the first payment on the principle, they decided to change the rules and make me pa the principle off in whole- liars!!! Can not get in touch with anyone at this point nd they said the car is in repossession mode-

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 

There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My husband and I opened a Chase Premier Plus joint savings and checking account in XXXX XXXX. At that time, we were informed that if we had more than {$15000.00} in all our accounts, we would not be charged a monthly service fee. Chase 's website says the same thing : " $ XXXX Monthly Service Fee, waived with one of the following each monthly statement period : An average daily balance of {$15000.00} or more in any combination of qualifying linked deposits1/investments2 OR, automatic payments to your qualifying linked Chase first mortgage from your Chase account3 '' In explaining footnote 1, Chase 's website says the following : " 1Qualifying personal deposits include : this checking account and up to XXXX personal Chase checking accounts ( excluding Chase Premier Platinum Checking and Chase Private Client CheckingSM ) ; personal Chase savings accounts ( excluding Chase Private Client SavingsSM ), Chase Liquid ( R ) Cards, CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts ( balances in Chase Money Purchase Pension and Profit Sharing Plans do not qualify ). '' In XXXX and XXXX of XXXX, I was charged a monthly service fee despite having well over the {$15000.00} threshold in our joint savings account. I called Chase and the representative there said it was a mistake, that my checking account qualified and refunded both service fees. However, I was again charged a monthly service fee in XXXX of XXXX. When I called Chase again, they informed me that only XXXX checking account could be linked, hence why I was being charged the monthly fee. However, this runs contrary to what we were told when we signed up for the account and what is written on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Obtained a safe deposit box at the Chase Bank appx XXXX ago. The Chase Bank is on XXXX XXXX in XXXX, CA and was a Washington Mutual Bank at the time of opening the box. I was provided a free box with a permanent waiver due to program running at that time. In appx late XXXX I came in and spoke with the manager of that location at the time ( his name was XXXX XXXX ) and stated that I was moving to XXXX area ( 2.5hrs from XXXX ) and having a safe box in XXXX did not make logistical sense for me. He said that would be no problem and that he " took care of it ''. I provided him the XXXX keys and then he and another associate locked them up. Beginning XXXX I began getting safe deposit box letters about my annual renewals after previously getting nothing about it since closing it down. It still shows that my box is open and while it is still also showing the box as an annual fee waiver I am concerned as I do not have the keys due to turning them in and am afraid this box is still open under my name without my approval. I attempted to reach out to an associate at this location and was told that they show in their " records '' that I still have the keys in my possession and that the only way to take it out of my name would be have it drilled at my expense of over {$200.00}. I explained what took place with closing the box in XXXX to which the reply was " that was 8yrs ago, you do n't have any proof of that happening ''. 

I placed my trust in the a person chosen by the bank to manage the entire location and am not being told to close out I have to pay a fee for his lack of responsibility. I feel that this has been a bait and switch tactic in order to collect non-interest income for a bank that is struggling to replace fee income lost due to overdraft fee changes in the banking climate. While {$200.00} is small potatoes to a place like Chase, it is a huge fee for me and those happening multiple times to hundreds of people over a footprint can add up to strong revenue additions. I have attempted to reach the current manager of this location but she is never available to speak. The most recent attempts were on XXXX/XXXX/XXXX to which I was told " she is on vacation all week '' which was told to me after identifying who I was and why I was calling. I did not believe this to be true, so I called again on XXXX/XXXX/XXXX and this new person said " she is out sick today '' but he did confirm she would be in on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was told this is her " scheduled day off ''. I feel bullied by this location and refuse to pay a fee to help cover a prior managers irresponsible actions. Furthermore, I have made ample efforts to contact the location with no success. I would think this bank would want to get this box out of my name given I pay nothing for it so they can rent it out to someone and collect annual rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX stating i owed {$9900.00} to First U.S.A Bank. Never heard of this company and do not know what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an executive at XXXX and thankfully I 'm gainfully employed with an income exceeding $ 250k. My credit report was tranhshed due to late payments incurred for the months of XX/XX/2014-XX/XX/2014 on my Chase SouthWest credit card. The payments were missed due were missed by my due to an error that related to scheduled auto payments that I believed were setup with my bank. 
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 

I had spoken to Chase 's customer service who had asked that I provide them with my bank statements from the time to prove I had sufficient funds to make the payment. I sent Chase statements from XXXX of my banks which showed my checking account balances were consistently over {$30000.00} during the period of the late payments. 

Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: MA

Complaint narrative:
This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: NV

Complaint narrative:
I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners just showed up on my Credit Report. I have not received any notification of a Debt owed nor any documentation on the account it is in regards to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation