vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A Chase Amazon credit card was opened under my name. When I contacted Chase about this they closed the account and said they were going to send me a brochure about fraud. I took the steps to place a flag on my SS number and filed a dispute with the XXXX major creditors. I sent a follow up letter to Chase requesting copies of all business records related to the account. After 30 days passed, i received a letter from Chase stating the account was deemed fraudulent and they were working with the creditors to get this removed from my credit report. When I called to ask about the letter I sent requesting business records related to this account it was apparently sent to the wrong department and it would be directed to the correct department. I would also like to add that the fraud investigator told me that she is unable to provide any information regarding the investigation and that my sheriff 's office needed to contact them to get the info. My sheriff 's did a police report, but since the account was opened online there would be no investigation from them. 2 weeks later I received a letter from chase with the info that was used to open this account. The phone number, income, email address ( invalid email address I may add ) and mother 's maiden name were all incorrect. I already have a Chase freedom card, so would n't the fraudulent application be flagged since the majority of info was wrong? I requested actual copies of documents, not info typed in a letter and I feel there is more information related to this account that they are not sending me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I requested a copy of my credit report after being denied credit and called the automated service to request the copy of the report that I am entitled to because I was denied. At the end of the call with Equifax I opted to purchase my credit score for {$7.00} by credit card. The amount was deducted from my checking account on XXXX XXXX/XXXX/16 and is notated by " Equifax Credit Report/ XXXX ''. 
After not receiving anything in the mail, I contacted them in early XXXX by phone to inquire about my report and score. On XXXX XXXX I received an envelope postmarked " XXXX XXXX ''. Inside was my credit report dated XXXX XXXX. 
I still have not received my credit score that I paid XXXX for and when I contacted them today XX/XX/XXXX16 I was told my credit score was mailed on XX/XX/XXXX16. ( the same day XXXX was deducted from my checking account ). The representative said that her supervisor regretted I did not get it but there was nothing further that could be done. 
I would like them to mail me, email me. text me my credit score that I paid for or refund my XXXX, I think this business is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only 80/20 loan. The 80 % was a 5-yr ARM and the 20 % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now XXXX ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired in XXXX XXXX and in XXXX of this yr they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XXXX then just stopped paying both banks, XXXX and Chase. I know XXXX has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I would like to dispute some incorrect information found on my credit history from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding some type of monthly payments made to Chase on an unknown account # XXXX this account never belonged to me and would like to have this information removed/deleted please call me at XXXX or email me at XXXXXXXXXXXX, asap thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Experian Credit Reporting Agency advertised on-line you could receive your credit report for {$1.00}, then in tiny fine print I did n't see secretly started charging my bank account $ XXXX/month for the past year to monitor my credit -- but NEVER told me that! So I was charged {$370.00} for ABSOLUTELY NO SERVICES WHATSOEVER!! IT 'S A BIG SCAM! When you call them, they do nothing! I had no idea I had a " monitoring service '' on-line. ( did n't want XXXX. ) Experian refuses to refund even a penny.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
Contacted multiple friends and family threatening arrest or legal issues. When asked to submit documentation of validity of debt and to cease contacting me at work, the caller threatened physical assault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged and " Annual Membership Fee '' of {$95.00}. 

I do n't understand why I should have to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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: CA

Complaint narrative:
I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: NY

Complaint narrative:
From the moment I went into loan repayment, I engaged Nelnet to find the most affordable option available for me. They put me on the lowest payment option ( not a federal program ) that extends the life of the loan and accrues the largest amount of interest. This option was absolutely in their interest, and did nothing to help me pay off my debt. I began to do research and asked to apply for one of the income-based repayment plans that are laid out on federal student loan website. They first told me that I did not qualify for any of them. 

This was incorrect ; I qualify for the REPAYE program. I 'm not certain, but assuming that they should understand these programs better than me, it was dishonest at best, and a lie at worst. It took me months to argue for moving my loan onto an income-based repayment plan. I engaged, and re-engaged for months, to only finally be placed on REPAYE this month ( XXXX 2016 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My 2015 vehicle was totaled when I was on vacation to visit my brother in Colorado in XX/XX/XXXX. My best friend came along with me and was the driver of my vehicle. The complicated insurance process took quite a while as it was my friend driving my car, so expectedly, its was complicated. I was forced to move out of my home in the XXXX because I no longer had a car and I work in XXXX and the commute was impossible without a vehicle. So I had to completely change my life as a XXXX year old kid and get an apartment so I could maintain my job. Well, having that responsibility made it impossible for me to make the remaining car payments during the insurance process. Making car payments continuously on a car that was a total loss just was n't practical after having to change my whole way of living. My credit score has dropped dramatically after I have worked so hard to build it up at such a young age. It 's very disheartening to experience this because I am so young and my credit is vital at this point in my life. I hope that there is something that can be worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was discriminated against by the Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX. I was incorrectly told by the Chase banker that a XXXX XXXX XXXX XXXX is required to open a checking account. My husband called the Chase customer service phone number and spoke to a Chase telephone customer service representative named XXXX who informed him that a XXXX XXXX is not required to open a Chase checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: CA

Complaint narrative:
I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in XXXX school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous XXXX have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
After I applied and was approved for the Chase XXXX XXXX credit card with a XXXX reward mile sign up bonus, Chase or XXXX sent me an offer with a larger bonus and a larger corresponding minimum spending requirement. Chase first send me a letter saying they had revoked the original bonus offer. I spoke with a Chase representative via Secure Messaging regarding the letter and they informed me that it was an error. I then asked about the availability of the larger sign up bonus if I were to meet the larger spending requirement. The representative informed me that I would receive the larger bonus and to send them a Secure Message when I reached the minimum spending requirement so they could match the larger bonus. Therefore in order to reach the minimum spending required for the bonus, I used the credit card for {$1000.00} worth of additional charges that would have earned me more rewards if spent on another card. When I informed them that I had reached the spending requirement that they had outlined, they then told me they misspoke and refused to match the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} XXXX;

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 2016-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV

Complaint narrative:
Since Heartland ESCI took over my loan a few months ago, I have seen a sudden and unexplained increase in my regular payments. In addition to the monthly payments I make, I am frequently sent messages informing me that I have an additional {$40.00} that I must pay. What this payment is for has never been explained to me, and I have received no response whatsoever to any of my frequent requests for clarification via the company 's customer service page. Due to my own work schedule and my time zone, I am largely unable to contact the company by phone, and the single instance in which I did manage to call resulted in an hour-long wait time. I continue to make my regular monthly payments ( which again, were inexplicably increased ) and yet I still get hit with this additional ( likewise unexplained ) {$40.00} fees. From my understanding of the XXXX statement 's page ESCI gives me, I am also paying a " convenience fee '' for paying online. On the whole, I feel that I am paying my loans, paying additional fees, and paying for the right to make these payments. And I have yet to receive any explanation or cost-breakdown from the lender, who frankly seem to have no interest. The impression I get from the company is that I 'm a borrower, not a customer, without any right to explanation or common courtesy. At this point, I am so frustrated by Heartland ESCI that I am hoping to pay off my loan in one fell swoop, rather than continue to interact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.

Company response to consumer: Closed with explanation