vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Glasser and Glasser, PLC
State: NY

Complaint narrative:
I recently received a Notice of Withholding and a copy of a garnishment summons for a really old debt. When I had previously checked my credit report it said this particular account was closed and written off as a bad debt by the creditor. 
So as far as I was concerned there was no collections or anything. 
I had not been contacted regarding this debt and I was not notified of any kind of court proceedings or that a case was filed against me. 
Upon receipt of this notice of withholding i contacted the law firm who is collecting the debt and they claimed to not even have my phone number on file. How could they have my SS number but not my phone number? According to their records my last communication with them was in 2012. So that 's 4 years where they did not make a single attempt to contact me or notify me and then suddenly my pay check is being garnished. 
Also I probably did not live in the state where the action was taken against me. Since I have no idea when legal action was taken against me I can not verify that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Car Cage Motors Inc
State: CA

Complaint narrative:
I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Phelan Hallinan Diamond & Jones, PC
State: CO

Complaint narrative:
In XXXX while married to my ex-wife, we co-signed on a mortgage for her family member through XXXX XXXX. In XXXX we filed for bankruptcy. In that bankruptcy that loan was discharged. XXXX XXXX was certainly notified. They, however, hired a collection company, Phelan Hallinan Diamond XXXX PC. We notified them in writing, complete with documentation to back up our claims in XXXX. On XXXX XXXX, XXXX, we were served a Summons and Complaint to appear in court in XXXX ( we are in XXXX ). As a result of this firm 's lack of due diligence, as well as XXXX, my credit continues to be hit monthly, negative reports added, and I have been prevented from selling my home because I can not obtain a loan for a new house. I am also unable to get any kind of consumer credit at a reasonable interest rate. My credit bureau reports that I have a foreclosure on my record, and that is not true. We have tried numerous times to contact the collection firm, with XXXX response. These actions are inflicting undue financial and emotional hardships on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services
State: FL

Complaint narrative:
In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}

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 2015-10-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MLD MORTGAGE INC
State: NJ

Complaint narrative:
I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for XXXX years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over XXXX years ago and I again told him, I did n't have that card and certainly did n't have XXXX that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was XXXX, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My condo lawyer tricked my mortgage company into paying her money that I will owe them which is illegitimate - in two different instances. 
1 There was a nonjudicial foreclosure case against me based on false information and trumped up charges ( condo fees paid on time then refused, etc ). My own lawyer scheduled a Temporary Restraining Order Hearing with a Judge to challenge and stop the foreclosure action which required me to pay {$26000.00} to stop the auction sale. Hours before my hearing, I was told that it was cancelled because the condo lawyer got my mortgage company to pay her {$37000.00} - {$10000.00} more than the {$26000.00} required to stop the auction sale. I was deprived of due process, and my opportunity to challenge this illegitimate act before a judge. I now owe my mortgage company {$37000.00}. They did this without necessity, my knowledge or permission. Had they called me I would have told them not to pay and let me have my hearing which likely would have stopped it. I always pay my mortgage on time and have never had a problem with my mortgage payments or any other bills. 

2. I was recently accused of being delinquent in paying my condo fees and was prevented from speaking or voting in condo elections and was told I was not allowed to be on the roof deck because I was not in good standing. The Board president falsely accuses me of not paying assessments and told me that my mortgage company was paying them for me. I had no idea. No one told me. On Tuesday, XXXX XXXX, I spent two hours on the phone with Chase and only them learned that they had been paying my condo fees for 18 months, without necessity, my knowledge or permission. 

Furthermore, there is also a judicial foreclosure case against me, in which my mortgage company is a co-defendant. I have tried to communicate with the mortgage company lawyer, since I am now representing myself, pro se, to get information and to coordinate. He did not want to coordinate with me, which I guess is his right, but he also did not answer most of my calls and emails, except one refusing to collaborate. I asked him how many of my condo fees they paid and whom I could speak to and he did not answer. I think it is in our mutual interest to communicate and work together. I was disappointed. He could have at least told me how many fees were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Sir or Madam, In late XXXX / early XXXX this year, my renewal membership fee hit my British Airways Visa Signature credit card account and I was hesitant to keep my card open as I do not fly British Airways a lot and I was not sure whether it was worth keeping open with the fee. 
After speaking with a representative for XXXX minutes, he convinced me to keep the card open because of its numerous benefits including the ability to earn XXXX point per dollar spent. In his own terms, " this is a major selling point '' of this credit card as most other cards only earn XXXX mile per dollar spent. Following this conversation, I kept the card open and immediately paid the {$95.00} annual fee. 
Fast forward exactly XXXX days and the main perk of this credit card is cancelled. On XXXX XXXX, I received notification from Chase that I would now earn XXXX point per dollar spent on the credit card. Chase did not even try to offer me something in exchange, like an improved benefit. Nope. Nothing. I would have to bear this devaluation with nothing in exchange despite paying the annual membership fee. 
I mean, this was the number XXXX benefit of this card as no other airline co-branded credit card offers more than XXXX mile for dollar spent. And this, just 45 days after I spent time with a representative who convinced me to keep this card and pay the annual fee to keep this perk. 
In any case, I find that very unethical on Chase part. This is really a bait-and-switch game where customers are misled about the benefits of the card, are enticed into paying a membership fee to get the benefits, only to be disappointed later that those benefit no longer exist. I lived up to my part of the contract and I paid the annual membership fee. I was expecting Chase would do the same. 
My disappointment with Chase can be observed in my spending with this card. In 2014, I spent over $ XXXX with this card. This year, I put my card on the drawer following this change and have not used it since late XXXX when changes went into effect. This is my way of protesting these unfriendly business practices and after all, I can use my XXXX XXXX XXXX credit card. 
Still, I feel that I have been cheated and this is why I am writing. I am writing to get compensation for this. I paid the annual fee that promised me a specific bonus. But I have not been able to enjoy what I paid for. In addition, Chase changed the term of the contract a mere XXXX days after I spoke to a retention specialist, implying that he knew about the impending change but decided not to tell me about it. I think this behavior is unethical. 
My regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I used my card for a hold downpayment in XXXX to XXXX XXXX. XXXX XXXX The purchase never was made. The card was charged 3 times for {$500.00} Chase card services is fradulent I believe i have submitted a complaint before For a while the balance on the card was {$0.00} Now it is {$500.00} please assist in this matter The card was charged 3 times, XXXX refunds were issued.

Company response to consumer: Closed with explanation