vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I have had XXXX joint account opened with Chase for almost 10 years. The last XXXX of my credit card is XXXX. I never had any issues ; never behind or late on my account. I have always value my relationship with Chase. Recently I discovered that my account had been closed ( back in XXXX ), but the closing was unauthorized. I never received any type of letter that confirmed the closing or else I would have responded in order to correct or dispute the information. This was my very XXXX credit card, and I would have never attempted to close my account under any circumstances. I called in and spoke to a representative to find out what happened with my account. The representative informed me that it was closed, and it could 've happened by mistake, but I would have to speak with her supervisor to get the account re-opened. Her supervisor XXXX came to the line, stated that the previous rep gave me incorrect information and states that nothing can be done to re-open the account whether it was or was n't a mistake. He states that it was closed in XXXX. He stated that someone called in to close the account, but he had no actual evidence of the call or who called in to do it. He stated that " it must have been you!! '' When I asked to speak with his supervisor ( XXXX XXXX ) he claims that his supervisor wont be available until after XXXX, and if he was available he would n't allow me to speak with him, because he has everything under control and his supervisor would n't be able to help me anyway. After I informed him that I was going to report his attitude and unprofessionalism to the executive office, then he allegedly transferred me to a miscellaneous extension that was not his supervisor extension. It ended up disconnecting the call. I do n't deserve to be treated like this. I did not use any type of profanity nor did I raise my voice during the call. I attempted to handle the conversation in a very professional manner, however I was treated with any type of dignity or respect. The supervisor was very rude, and cold hearted when it came to assisting me. He never attempted to see if the closing was performed by mistake or if the person who called in was even authorized to take matters into their hands to close my account. I would like for my account to be re-opened, because I never authorized for it to be closed, and I do value my relationship with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
After I legally parked my car and paid the fee, my car was booted prior to expiration of time. I was threatened and forced to pay for boot removal. Did not accept or consent but signed under duress. They acknowledged I was right but still demanded payment. They also altered the credit card receipt by scratching out time and writing in a later time that made me appear delinquent. Chase dispute team put me through hoops and wasted lots of my time. I faxed the documents and a narrative. They considered the charge valid and contended that I agreed to service rendered ( removal of boot ) though receipt says " no service rendered ''. They did not care that the documents were altered. This company clearly goes along with fraudulent conduct by companies scamming their clients. No recourse for me except leave Chase which I have. Terrible treatment designed to " make you go away '' through transferring calls, disconnecting calls, failure to return calls, placing you on hold indefinitely, ignoring documents sent to them at my expense. Never did they intend to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Background : This is regarding a credit card I recently was approved for. It comes with a a sign up bonus if a minimum spending requirement was met within first 3 months go account opening. 

Situation : According to the Chase representative, the window of minimum spending requirement begins the day your card is approved, but you do n't actually receive the card for 7-14 business days, unless expedited. Hence you actually get less than the 3 month period to spend that {$4000.00} to get sign-up bonus. 
I currently have particular reason to spend money towards an upcoming vacation, which can substantially contribute towards, the minimum spending requirement. But due to the Bank 's practice, I wo n't be able to till I physically receive the card. This appears to be an unfair and or deceptive practice, based on my interpretation of UDAAP guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I ( XXXX ) was seriously injured in an accident on XX/XX/2016. I 'm still recuperating from the resulting below-the-knee amputation and other injuries and have been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when XXXX called directly to try to negotiate, Chase refused to speak to her, and instead referred her to XXXX of their XXXX Counseling XXXX. Although the initial recording said we would hear a list of agencies serving our area code, our call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in Iowa. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where In XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
FHA Loan established in XX/XX/2011. 

Monthly minimum payment has been made on time for the last 5+ years. 

I believe the minimum payment should have also had a section that detailed the payment required for MIP Loan to Value ration to have been met. 

I recently requested a review of my loan to have MIP removed, and because the LTV ration was not the required % I am not eligible. I 'll continue to have to make payments so rather than the 5 year minimum, I will likely be paying the full term of this XXXX add on to my payment. 

I feel that the design of the loan without the information of how I needed to increase payments to meet the LTV ratio was deceptive, and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase XXXX transferred my credit card to a cutthroat financial institution called XXXX without my knowledge or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint against : XXXX Address of Foreclosed Property XXXX XXXX XXXX, FL XXXX XXXX Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to XXXX Recently, I applied for a mortgage and was approved. The company in question, XXXX XXXX XXXX ( XXXX ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, JP Morgan Chase, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted XX/XX/XXXX. XXXX has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by Chase. Part of that agreement was that Chase would take a deed in lieu of foreclosure. XXXX refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase acquired my loan from EMC, which acquired my loan from XXXX. 

My original loan was {$15000.00} ( Exhibit XXXX ) in XXXX. The way it got to {$24000.00} was the fault of Chase and its subsidiary, EMC. They foreclosed on my house while I was making payments and they were accepting the payments ( Exhibit XXXX ). Next, while I was out of town, they came into my house and changed the locks. 

I responded to their suit, pointing out that I had the affirmative defense of making my payments and they were collecting the payments and cashing the checks, sent from my bank ( Exhibit XXXX ). They offered me a modification and I was advised to take it, so I took it ( Exhibit XXXX ). I was not aware that the modification included paying for them to come into my home and change the locks ( Exhibit XXXX ). However, the agreement simply refers to {$8800.00}. As I now understand it was to exclude foreclosure fees ( Exhibit XXXX ). However, their documentation clearly states it was foreclosure fees and fraudulent inspection fees ( Exhibit XXXX ). They charged me {$2100.00} to inspect and appraise my property while I was making payments and for a foreclosure that was dismissed ( Exhibits XXXX and XXXX ). However, the dismissal clearly states that each party was to pay their own costs. I thought the matter was settled. 

In settling the suit, Chase 's subsidiary agreed that they should pay their own fees, and for this reason, I thought the modification was null and void. However, they went to court to enforce it and won. These were the kinds of practices I believe the agreement with the attorneys general attempted to address. 

Chase makes much of modification agreement by me in XXXX XXXX ( Exhibit XXXX ). That agreement required me to pay a certain amount to EMC, Chase 's subsidiary on a certain day. I explained to the debt collector that I could pay the amount two days later. He told me that would be fine. I made the payments, as we agreed, but I had to send XXXX XXXX, because my bank would only allow me to withdraw a certain amount in each transaction. EMC held the money for several weeks and then sent it back ( Exhibits XXXX ) The agreement was offered by " XXXX XXXX '', a pseudonym. As I understand it, it is illegal for a debt collector to use a pseudonym in this manner, according to the FDCPA. 

The problems with this are that, as I understand it, the FDCPA requires debt collectors to tell the truth. If it was not okay for me to send the money in XXXX XXXX and two days after the agreed day, he should n't have said it was alright. 

Lastly, if Chase has declared my loan in default and foreclosed, can they charge interest on a defaulted loan. This is what they are trying to do. As a result of the agreement with the attorneys general, Chase agreed stop such practices and to reinstate loans such as mine, as well as repairing our credit and paying us {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TN

Complaint narrative:
I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I am currently a XXXX year old XXXX student at XXXX University. I have my XXXX, and have been working in my field, while trying to obtain a full-time position. I work full-time hours, but only bring in about {$1400.00} a month. Unfortunately, I took out private loans with NJClass at the very young, uneducated ( in terms of loans ), and naive age of XXXX, without realizing the situation I would eventually be in. NJClass is asking me to pay {$1600.00} a month, which is impossible for me. I have called XXXX of times to try and work out some sort of payment plan, but they refuse to work with me. My parents are cosigners, but my dad was laid off last year, and they are already struggling to make ends meet without my loans being a factor. I am not asking for my loans to be forgiven. I am not asking to pay very little. All I 'm asking is for NJClass to lower my monthly repayment to a price that is livable for me until I get a full-time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or get more information about the name of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.

Company response to consumer: Closed with explanation