vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: AFNI INC.
State: TX

Complaint narrative:
AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I have received several phone calls from XXXX. Finally after multiple calls I answered it. To keep it short when I started asking questions regarding the debt, and inquiring who the original creditor was, I was met with refusal to give me the information. I was then threatened with legal charges that could " result '' in me being arrested. I was then transferred to a XXXX XXXX, at that point I was finished discussing as it was getting no where. I asked for information to forward my written statement requesting any further contact be through the mail, XXXX XXXX would basically not allow me to speak and ask questions I was told the following. 
1. I needed to grow up and pay my bills and that not to waste my time sending such a document as they were going to file suit immediately and that he makes more money in an hour than I do in a year so that meant he did not have to explain anything to me. 
2. When I tried to again inquire about the original creditor he gave me information but then called me a laundry list of inappropriate names such as a XXXX and a " worthless piece of trash '' I will admit at that point I said a few choice things, but when backed into a corner you tend to react. 
3. He kept hanging up on me simply because I wanted to dispute the amount being asked for as I know I do not owe that much, hence asking for the original creditors information. 
4. I called back several times and was told not to call again or he was going to file harassment charges on me. 
The last time I checked I have a right to question any debt I am said to owe, I also have the right to be treated fairly and with respect. I was not aware that a collection agency was allowed to speak to their customers in such a manner to degrade them in order to attempt to collect a debt. I would have recorded the conversation but I know the laws in Florida do not allow it without the consent of the other party and I knew they were n't going to consent to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Upon receiving an insurance check, my husband at the time took the check to a Chase bank where I have never had an account. He opened an account, forged my signature, and left with the money. I have spoke with the bank where the check was cashed and they admitted fault. I would like to request a new check issued and funds disbursed according to our divorce agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Same man calls up to 8 times per day making threats about collecting a judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet called me and said they could consolidate my student loan, but all they did was still my money and mess up my XXXX information. I very perturbed, hurt, and sad that they have done this to me. Can you please help me? Thank you for your time and may XXXX bless all your endeavors!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2016, I changed cable providers based on the understanding that I would receive a special box for high definition TV as well as internet service for my SMART TV. The salesman misrepresented the service, they do not have high definition boxes and will not have them for 6-12 months. I asked to cancel the XXXX service due to misrepresentation within 3 weeks of signing the contract, but they refused. The only reason it took me this long to cancel was that they continued to lie to me, telling me the internet at my house was n't of good quality. I cancelled the service and told them that I would not pay for two years of a service that could not even be provided to me. 

I then called Chase bank to discontinue auto draws for the service. The Chase representative told me that he could n't stop the payments, which I did n't understand. He then told me that if I cancelled my card and got a new number that the auto withdraws would not be able to go through. I did as he suggested and cancelled the XXXX card, and got a XXXX one. 

In XXXX Chase bank allowed a credit withdrawl on my new card from XXXX XXXX for the full amount of the 2 year contract for {$430.00}. I never gave the new card number to XXXX XXXX. I do not know how they got access to the new number that Chase told me was safe. 

When I called Chase to complain they told me that the first representative that I spoke to gave me misinformation and that legally they could n't stop the withdraw on the new card. 
First I was lied to by XXXX XXXX who sold me a service they could n't provide, then Chase bank lied to me about obtaining a XXXX card to ensure my money would be safe. I did not sign a contract with XXXX XXXX to allow them access to my new credit card, Chase had no right to allow this access. It is especially upsetting that the only reason I got a second card was that Chase told me it was a way they could keep my money safe. 

I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a credit card and personal and business checking/savings account with Chse for several years. I was XXXX on XXXX XXXX, 2016 and while in XXXX my identity was stolen and all my funds were drained out of my accounts and my cards were maxed out. I was recently XXXX on XXXX XXXX and now Chase is refusing to do anything to restore my lost funds or fix my credit because I did not report the fraud fast enough, but since I was in XXXX there was no way for me to know this was occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unifin Inc.
State: TX

Complaint narrative:
I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Webcollex, LLC
State: AZ

Complaint narrative:
I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have disputed this item several times with no success of this item coming off my XXXX credit report. I have had it removed from XXXX because the debt is not mine. this is very frustrating as I am trying to purchase a home and have debt that is not mine on my credit report that is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: TX

Complaint narrative:
I do n't know w ho is company is what this about all I get was a phone call on my home phone with no information and I have been getting from get this call regularly and want them to stop. this company has a record message and they left a message on a answering machine. give on ref # on this and I just want them to leave me along.

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 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days 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 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alliance Group & Associates LLC
State: FL

Complaint narrative:
Received multiple calls last week and each time I answered the phone, the person would hang up. I called back several more times and after getting the man on the phone, he told me there was a problem with the calling system. He finally told me who he was and that he was calling about a debt that occurred in XXXX for {$150.00} ( co-pay ). He became very hostile and said I needed to pay my XXXX bill. After asking to speak to a supervisor, he hung up on me. I called back three more times ( each time resulted in him hanging up on me ) until he finally put me on the phone with a supervisor ( she assured me he would be disciplined for his behavior ). I did make a payment arrangement for XXXX of the bill because I felt like it had already been paid but was told that my credit would be affected if I did not " handle my business like an adult ''. Since then, I received two more phone calls from XXXX different companiesXXXX claiming they are calling to recover the same {$150.00} for the same XXXX account. I called XXXX and asked to speak to the supervisor over billing. I was told that first of all, they did not know why a company would be trying to collect on a {$150.00} account from XXXX plus years ago and that they ( XXXX XXXX felt as if it was a scam. She advised me to call and cancel my transaction with Alliance Group and Associates because the only thing they showed in their archives was a {$50.00} co-pay that had been taken care of years ago. I did as they suggested and called Alliance, only to be spoken to by XXXX in a hostile and belittling manner. When I repeatedly told him I wanted the transaction cancelled and documentation showing the cancellation, he very rudely asked me did I want to, " handle things my way or the right way?!? '' and finally put me on the phone with his supervisor. She advised that the transaction would be cancelled but would not send me any supporting documentation, though I asked several times for something in writing. Alliance repeatedly called my elderly parents home, harassing them and even called my former in-laws, who I had not spoken to since XXXX, and left hostile messages on THEIR answering machine. This company is highly unprofessional, unethical and I feel almost criminal in how they do business. Even the hospital said they have no idea how, 15 plus years later, they got a hold of my account information. In closing, both XXXX and his supervisor, XXXX, threatened to have to, " call the original account holder that purchased my account and tell them I was uncooperative '', saying I was setting myself up for legal problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-14 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: RSH & Associates, LLC
State: TX

Complaint narrative:
Insurance claim filed back in XXXX, due to XXXX surgery, that my insurance company was responsible for and has since paid, some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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: North Shore Agency, LLC
State: MO

Complaint narrative:
I ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
To Whom it XXXX Concern : Suttle, Hammer and White identified themselves as Attorney 's via letter correspondence when they served me with a summons to appear in court in 2015. But when I call, the voice mail states the opposite as do the reps that pick up your call. I negotiated with SHW to pay {$1800.00} with {$1200.00} down and {$100.00} a month there after. I paid {$1400.00} instead and have diligently paid the {$100.00} agreed upon amount. I sent check # XXXX dated XX/XX/XXXX for the agreed amount of {$100.00} and requested a receipt that this was the last payment. Instead of correcting me that it was in fact not the last payment, Suttle, Hammer and White sent my check back to me with a letter stating it was not the last payment. Not only was this an adolescent and lame response, this jeopardizes the payment plan I had to agree too and now I am concerned of late fees. So, instead of cashing the check that I wrote, they sent it back because I wrote on an index card requesting a receipt that this was the last payment.

Company response to consumer: Closed with explanation