vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 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: State Collection Service, Inc.
State: RI

Complaint narrative:
In XX/XX/XXXX I discovered a Collection Agency " State Collection " on my credit report ( XXXX ) claiming funds on behalf of XXXX XXXX XXXX. I contacted the Collection Agency XXXX XXXX / Supervisor ) to let them know my account is and has been paid in full since XX/XX/XXXX. XXXX told me this account would go to their " Client Services " for review. I also contacted XXXX XXXX XXXX ( XXXX ) to clarify this claimed account, and it was verified any debt ( s ) have been paid in full. I was told by XXXX XXXX XXXX to call State Collections back to let them know it was verified the account was paid in full, and they do not understand why I was submitted. Since then, this claim has not been removed from my credit report. I called State Collection again today ( XXXX ) and spoke with XXXX, and this time she gave me XXXX stories. The first story was they sent me an itemized bill on XX/XX/XXXX ( not received ) then she changed her story telling me they contacted XXXX XXXX XXXX but received no documentation from them. I immediately called XXXX XXXX XXXX back and spoke with XXXX, and she again verified I owe nothing to the hospital, and they DO NOT conduct any business with " State Collection '' and do not understand why they would be making this claim. I am at a loss of what to do now. I am not getting any results from either claimant.. Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I LEASED MY XXXX XXXX FROM CHASE. I BOUGHT OUT MY LEASE AND REFINANCED WITH XXXX. I CLOSED ON MY LOAN ON XX/XX/XXXX AT WHICH TIME THE ODOMETER DISCLOSURE STATEMENT WAS FAXED TO CHASE BY XXXX ALONG WITH ALL OF THE OTHER NECESSARY PAPERWORK. I RECEIVED 3 REQUESTS FOR YET ANOTHER ODOMETER STATEMENT XX/XX/XXXX. I HAD XXXX FAX CHASE YET ANOTHER ODOMETER STATEMENT ON XX/XX/XXXX. ( CONFIRMATION ENCLOSED ) I CALLED CHASE TO MAKE SURE THEY RECEIVED THE ODOMETER STATEMENT. THEY SAID THEY DID AND THAT I COULD EXPECT TO RECEIVE THE TITLE TO MY VEHICLE THE WEEK OF XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED MY TITLE. CHASE HAS MY MONEY, XXXX HAS MY LOAN AND I HAVE NOTHING. CHASES REPRESENTATIVE IS VERY DIFFICULT TO REACH. SHE STATES HER EXTENSION IS XXXX, THERE IS NO SUCH EXTENTION. I WENT TO THE XXXX, THURSDAY, XX/XX/XXXX. THEY LOOKED IT UP AND TO DATE CHASE HAS NOT RELEASED THEIR LIEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: NE

Complaint narrative:
( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I used a balance transfer check to purchase a car on XXXX/XXXX/2016. I could have charged the purchase on the card but I thought the check would be more convenient. Now I am being charged a fee for using the check. The fee is mentioned only in fine print at the bottom of the accompanying letter ( see attachment please ). The fee is not mentioned anywhere that would be noticeable to the normal reader. I feel that this fee should be reversed since it is not clearly presented on the check offer. I feel I have been tricked and this fee is not fair under the circumstances. I am requesting a credit for the illegitimate fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was approved for home modification.I completed my trial period and received docs with a sound ve ex husband name on docs.I applied for modification in only my name.I called my poc to inquire why his name was docs since I hadnt applied with his name on any my info.I was told that she would check into it.I received a call several days later informing me that because I live in a community property state that I needed a quit claim deed from my son to be ex and that would solve my problem.I was able to get a wuit claim from my soon to be ex husband and I faxed it over thinking that I solved the problem.I contacted my PIC and I was told I needed Divorce Decree.I informed her that she had.told me.that I.only needed the quit claim deed and that it would be impossible for me to get a divorce decree before 6months.I asked for a supervisor .I received a phone call from.the supervisor and I was told pretty much if I did n't get divorce I would lose my modification.I then filed a complaint with.Wells Fargo informing them that I didnt feel I was been treated fairly since I had did everything that I was supposed to do and that because im getting divorce im being penalized for.something I have no control over.I purchased my home 20years ago.and I have only veen married 2.5 years.I complied with everuthing they asked of me and im getting treated terrible.I received a call from them today telling me pretty much that if I didnt get a separation agreement that I would lose modification.This has caused emotional stress, headaches, sleepness nights I have XXXX has been an horrible experience.I would n't wish this on anyone.Please help me resolve this issue

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 2016-09-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have an account with Chase Bank. It is not my main account as I do n't keep very much money in it. Its the account I use mostly when shopping online so the card info is saved on my computer. I submitted a few credit cards to be paid in extra and used this card. So last night I checked my bank account because I had to use the card a little extra when I left my wallet in the car with my husband and he was away at work. The account was low but not over drawn. When I checked I had XXXX in the account. This morning my bills posted and overdrew the account. Via Chase banks rules I have until XXXX Eastern standard time to pay back the account before over draft fees are assessed. Today at XXXX I woke up to an email advising me my account was over drafted XXXX which includes a bill I paid and XXXX, over draft fees. Not XXXX but XXXX totaling XXXX dollars! They did n't even remotely give me until XXXX eastern time to replenish the account. I called them to get this rectified and they would only waive XXXX fee, but kept the remaining XXXX on my account. I do not feel I deserve this at all this is supposed to be " over draft '' protection?! They told me, which I understand, that since they were electronic checks I can not see them on my account until they post and neither can they. But they couldnt explain why I had assessed XXXX fees all at once! XXXX fee I can understand and would probably have paid without much of a fuss. But regardless the over draft occurred today on XXXX then the fees should be assessed by XXXX as per their protocol! My bank account of course states they occurred on XXXX but I checked late last night before bed and it was still only at XXXX balance. So I find it wrong that they have it dated on XXXX when I was monitoring the account on XXXX and no over draft occurred. These time stamps are not correct! furthermore I get an email notification the second my account gets over drawn too and my notification was sent at XXXX on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was frauded against and when I filed a claim at the CHASE bank after telling them to lock my account while it was happening was denied claims and they left me with {$2500.00} debt and interest your claims against them : XXXX regarding this in anyway? can you help me recover from hardships of error injury and health concern as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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:
I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.

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

Complaint narrative:
J.P. Morgan Chase Bank have used confidentiality laws 15 united states code 6801-6804 to avoid acknowledging its facilitating the crime of fraud. My children the heirs to my ex-spouse property illegally hold my assets in account at Chase Bank with Chase Bank assistance. While I was incarcerated during the XXXX period my ex-spouse allowed Chase Bank to place my investment assets within her account without having my consent of her being appointed my financial guardian. The account in question is a Michigan account kept under the following names. My ex-spouse in XXXX unknowing to me died plus willed control of the account in question to her the children XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX born XXXX XXXX, XXXX plus XXXX XXXX born XXXX XXXX, XXXX. 
chase possess no legal documentation authorizing my assets being placed within the account but still it with intent on aid fraud hold my assets within that account plus refuse to turn the assets over to me. 
The assets were initially placed in the account at the XXXX XXXX which was purchased by the XXXX ( XXXX ) which was purchased by Chase Bank. Despite fact this crime was committed before Chase Bank became overseer of the account Chase Bank is liable being it will not address the criminal act instead it hides behind account confidentiality.

Company response to consumer: Closed with explanation