vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I bought my house for {$250000.00} in XX/XX/XXXX. I refinance the mortgage without taking any money out on XX/XX/XXXX. The mortgage is now {$190000.00}, which is less than the XXXX % required to remove the PMI. I contacted Chase, my mortgage Servicer, a couple years ago when it was around the XXXX %, and they refused to remove the PMI. My payments are always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My husband and I have had a loan with chase for about 6 years. Over this time there has been times we could not make our payments. This last time they had us re-finance. We were not told there would be a {$9000.00} addition to our note. XX/XX/XXXX my principal balance was XXXX. When we requested the pay off amount XX/XX/XXXX it was $ XXXX..We have recently sold the house. When I called Chase to give them our new mailing address for the escrow I was informed there was n't any funds in the account & that I owed them {$8.00}. Even though on my statement from them for XX/XX/XXXX I show a total of XXXX They said they paid my homeowners insurance which was {$2100.00}. Now I can do the math and the math does n't add up. I have been requesting all the documents from Chase & they will not send me what I am asking for. Now when I go in online I get a error message. I have attached all the info to prove there is wrong doing & Fraud on Chase 's part. I can send you more info if you 'd like. No one can seem to answer any of my questions when I call & trying to get help is unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I disputed a charge through Chase Credit card. Its employee with ext. XXXX has been unresponsive and irresponsible. 

She rebilled my account without good reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have concerns about how Chase handled a fraudulent purchase on my account. The purchase was stopped ; however we were not notified of a phone number change. They stated they notified us but said they could not provide proof to a customer -- a court order was needed. Additionally, when trying to work with their staff, they appeared to have many inexperienced representatives ; long hold times and pieces of misinformation. XXXX calls, two hours, XXXX rep 's and XXXX supervisors to finally determine what happened and ensure my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My school sent my financial aid funds to an account that closed 2 years ago. After tracking the funds, I found out that Chase Bank had held the funds, and deducted fees from my deposit. I asked them to explain what the fees were, and the fees are for attempted transactions after the account had been closed, as well as extended over-draft fees that had begun to compound. The initial deposit was {$720.00}, but after Chase had deducted all of their " fees '', I was left with {$420.00}. I find it hard to believe that fees can continue to compound on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife and I had voiced a complaint about the mortgage process and made several requests for information about how " points '' and their cost were determined. The refi agent has n't replied since then. We then decided to cancel the loan application and notified the agent did not reply and continued the loan processing, We received a notice from XXXX that a hard credit report was requested by an agent of the mortgage company several weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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:
On XXXX XXXX, 2016, a Chase Mortgage Banker, XXXX XXXX deducted {$500.00}. from my account before the appraisal was done ( I never scheduled it ). On XXXX XXXX, 2016 I spoke with her and requested my application be withdrawn. She responded by saying ok and that the funds would be back in my account in a couple of days. XXXX XXXX made it 2 weeks so I visited the branch and was informed that the application was approved. That tactic was dirty and underhanded. It had n't been approved when we were sitting in front of her and made the request ; she put the paperwork through anyway disregarding the customers ' request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.

Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase allowed my ex-wife on multiple occasions to change terms on my note without my authorization or approval. I informed Chase formally in the Bank and on the phone through Auto that she had my social security number and other identifying information and I wanted her and her contact information specifically, restricted from my account. This was not done and I have been financially harmed. When I spoke with the bank today, I was not asked my verbal security password and was able to access my account without it. I am horrified by what has happened and extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank with Chase bank and had a grandfathered Checking premier account which consist of no maintenance fee for the past 13 years. In XXXX XXXX, 2015 I was given misinformation by a bank representative which resulted in my account being converted to a new Checking premier plus account with monthly fees after I was ensured that nothing would change on my account but the name of the account. I have contacted the bank to fix this and I am constantly getting the run around. Please assist me in getting my old account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase card services has failed to verify this debt with substantial evidence that this account belonged to me. Upon speaking with their fraud department they said my social, name and address appeared to be correct so hence the account belongs to me. It 's been a long uphill battle to clear my name & when I asked to provide me with how the account was setup and any agreements with my signature to be forwarded they are unable to produce that information. Yet they are reporting to lenders that i owe this said debt that has not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase has failed to report my credit card correctly even though I have disputed the account # XXXX. The debt was included in my chap XXXX bankrupcy. It is illegal to report it as an open account, a collection, or a charge-off. XXXX to the XXXX monitoring report of XXXX XXXX, the account appears as follows : XXXX lists it as open and in collection. 
XXXX lists it as closed but in collection. 
XXXX lists it as closed and a charge-off. 
None of these reports are correct. I disputed it through the XXXX 's and have had no luck. I wrote directly to Chase and had no luck. I have attached my original letter to Chase, Chase 's first response, and Chase 's second response. I have attached screenshots of the relevant portions of the credit report. Chase reports my dispute as closed by consumer. That is incorrect as well. Furthermore, Chase lists XXXX other accounts as charge offs. I asked for those to be corrected, but have received no response. Chase ignored that portion of my letter asking that they tell me which documents or who they contacted to confirm the information. I am entitled to that information under the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
My wife and I have past due medical accounts from XXXX and from XXXX that have been placed for collection with State Collections Services. I have on several occasions requested over the phone and through fax letters that any and all communication regarding these debts need to come to me through my email, my cell phone or my fax. Yet, CSS continues to try to make contact with my wife - either through her cell phone or at work - activities that I have expressly forbiddened and in clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC
State: SC

Complaint narrative:
I 've been receiving repeated calls from XXXX XXXX XXXX XXXX XXXX for a couple weeks now. The number is from Escallate, a debt collector. I have received no other calls or written notices for debt of any kind, from Escallate or any other creditor, and have no knowledge of owing any debt. Escallate failed to send a written notice within XXXX days of first contacting me, and has contacted me multiple times in XXXX day.

Company response to consumer: Closed
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: OH

Complaint narrative:
A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: CT

Complaint narrative:
A debt collector called me 4 times in a row and continued to hassle and threaten me. Demeaning my own dignity and respect, using condescending language and tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Class Financial
State: PA

Complaint narrative:
I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
I received a call in regards to making a payment. Made the rep know that I will pay on a certain date. He then stated thank you then hung up the line. Called back made complaint with supervisor. Heard nothing from supervisor and got a call from same company the next day after I made them aware the date I can pay. They can not post date a payment in their system. I then payed the debt and was told that if I sent an email to manager I could get it removed from my credit report because it was reported XXXX days before I made the payment. XXXX emails were sent to response. Made a XXXX complaint it was updated but not removed like I was told it would be.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I noticed several duplicated collection accounts on my credit from Tablot, Adams and Moore, a collection agency that is not bonded to collect in my state. I sent for validation several times and they never answered me. They are in violation of SEC 809B OF THE FDCPA. THEY NEVER SENT ME MAIL STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation