vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: DC

Complaint narrative:
I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mediation Recovery Center
State: AL

Complaint narrative:
Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! 
I have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Leading Mortgage Solutions
State: CA

Complaint narrative:
I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: Capio Partners, LLC
State: FL

Complaint narrative:
This company has an unknown item listed against me. I have disputed with no response back from them. I have no idea what this is and there is always something listed which does n't belong to me. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Opened an XXXX.com rewards VISA account with CHASE bank in XX/XX/XXXX. Never received statements either electronic or via mail. Called multiple times to arrange payment and have statements updated after receiving calls from debt collectors. This happened XXXX, where the only notice I received was from a debt collector within a few days of being past due. Even after paying the balance, CHASE still reported negative XXXX days past due to all XXXX credit reporting agencies. This happened XXXX for XX/XX/XXXX and XX/XX/XXXX. Have since gone to XXXX.com and setup accounts to send paper statements via XXXX and have not received them. Just noticed on XX/XX/XXXX that once again a payment was XXXX days past due ( no statements or alerts were sent ). Payed the balance and have now cancelled all cards with CHASE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: AFNI INC.
State: CO

Complaint narrative:
I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every month charged interest when the purchase balance from the previous month is LESS then the payments made. Paid more each month than previous charges. The average daily purchase balance is Wrong. Its seem Chase Freedom is lumping the Promotional Balance Transfer offer, 0 % interest until 2016 into the Average Daily purchase Balance. Which is therefore charging interest. 
Interest should only be charged on the new purchase balances only, not the promotion balance transfer offer amount. The balance transfer offer is separate than purchase balance. What is a promotional XXXX percent interest on balance transfer if your now charging thebalance into the average daily purchase balance with recurring purchases? 

Was I supposed to not use the card while I paid off the balance transfer? That was never told to me. NO other credit card does this. NOT Fair, very misleading. Even the statement shows the sections separate, as Purchases, Balance Transfer, and Cash Advances. How can you then lump it into the Purchase average balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
They left a message for me and for my mother stating they were calling regarding a complaint that was going to be filed against me XXXX. They are a collection agency and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My Chase Bank Credit Card was discharged. Then we started receiving letters from different collection agencies collecting a debt on behalf of Chase Bank U.S.A., NA. Companies like XXXX XXXX XXXX , XXXX, in XXXX, OH XXXX. Then Chase put the debt on my wife 's credit report. The credit card was in my name only. Chase keeps harassing me with calls to my home and cell phone and sending me letters for a 8 year old debt that was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been involved in an ongoing disagreement with the Amazon credit card firm -- Chase Bank USA NA regarding their credit card rules and a disputed late fee charge which is now compounding. I owe no other monies to said firm ; only the late fees and penalties are in question. I just got off the phone with their representative, XXXX XXXX. She told me nothing would be done to explain, correct or ameliorate the situation and " have a nice rest of your day ''. She told me that I was properly informed regarding the cancellation of said card and that according to the recording of the event I was given 30 days to redeem my points. I do n't know if XXXX XXXX is lying or merely misinformed but this was not the case. Nor did anyone at any time make any effort to explain to me what are the actual rules regarding my usage of the Amazon/Chase credit card. I doubt that this further effort at seeking equity will make any difference but at least I will have made a formal complaint against and company and policy I consider to be entirely wicked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank has contacted me 3 times every day from phone number XXXX for the past week in an attempt to collect debts after being told not to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a Chase British Airways XXXX card. I have always paid off the entire balance. APR is 15.24 % so I would never ever consider carrying a balance. The statement period that ended XXXX/XXXX/15 had a balance of {$20000.00}. I made total payments {$20000.00}, there was also a credit in the amount of {$16.00}. Thus the balance to be carried over to the next statement period was {$380.00}. My mistake but I figured that it would n't cost me much. I was quite surprised when I reviewed the XXXX/XXXX/15 statement -- interest in the amount of {$54.00} was charged. I discovered that Chase charged full interest on a balance of {$4200.00} that would appear during the next billing period. I think this is grossly unfair, My position is that I should pay interest only on the {$380.00} difference stated above. After reviewing complaints on your site I have learned that this is systematized. This makes Chase standout as a first class loan shark. I am questioning whether I should continue to do business with Chase. I hereby request that Chase refunds me the difference between {$54.00} and the approximate {$4.00} that I should have paid on a {$380.00} balance. This means a refund of {$49.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I started receiving statements from the Department of Education about my student loans. Later I received a notice for another company, that call themselves Nelnet ; stating that I have students loans with them. I had pulled my credit report and they both were on it. The Department of Education show as transferred accounts. Nelnet shows balances that I owe them. Nelnet show as I missed payments. I always call to get a forbearance because I do n't have a job to repay the loans. So, what I 'm asking of you is to help me get the missing payments off my credit files and place them as current. Also get the Department of Education off my files. I was not aware of a transfer until I seen my credit reports. I ca n't afford to pay the loan back. I do n't have a job but I 'm looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COAST PROFESSIONAL, INC.
State: VT

Complaint narrative:
I had consolidated my federal student loans and they never sent me a letter saying my XXXX would be garnished or that I would be in default of my loans soon. As far as I knew when I logged on to my XXXX it said my loans were forgiven. COAST PROFESSIONAL XXXX SENT THE NOTICE TO THE WRONG ADDRESS, AND IT WAS N'T EVEN IN THE RIGHT STATE! THEY HAVE N'T BEEN HELPFUL AT ALL. So now my XXXX payments are being garnished every month, which it was already hard enough to live on what little income I was receiving, now it 's almost impossible. If there is anything you can do to help let me know. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2015 XXXX willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe XXXX any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against XXXX.Thank you

Company response to consumer: Closed with explanation