vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Action Financial Services, LLC
State: CA

Complaint narrative:
Not enough information to verify debt, amount of debt, Did not receive no form of paper work or amount of debt via mail when asked. Company was provided all financial upon request and after I was told I would pay {$43.00} a month so I said XXXX, I gave them the XXXX then then they said later they want XXXX a month, I still have not received any paperwork only phone calls daily. the company is Action financial services, llc

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 2017-01-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: North Shore Agency, LLC
State: OK

Complaint narrative:
I responded to a mailer from XXXX promising they would pay up to {$650.00} for a return of my cell phone business. The mailer did n't say that you had to purchase a new phone from XXXX, also it did n't say you had to purchase that phone, yearly, yipes i have a phone not a year old i ca n't work yet. so i did agree and signed an electronic agreement, BUT LESS THAN 2 HOURS LATER CHANGED MY MIND AND CALLED XXXX BACK, saying NO i do n't want this. the woman on the phone claimed that the new phone had already been mailed ( yeah right ) and all i had to do, once receiving the phone, was to return it to any XXXX store. well that was the 2nd lie because the first XXXX store i went to said NO i needed to take to a corporate store, so on to a XXXX corporate store i went, now XXXX miles from my starting point. i returned the box UNOPENED and got a receipt. the events are so : XXXX XXXX responded to the mailer, XXXX XXXX called XXXX to say i changed my mind, tried to cancel. XXXX XXXX phone delivered by XXXX, XXXX XXXX took phone to XXXX XXXX store @ XXXX XXXX XXXX, XXXX XXXX XXXX. MY RECEIPT READS MACHINE ID : XXXX, REGISTER # XXXX, served by XXXX ( initials ) also other # on receipt read XXXX, DATE : XXXX/XXXX/2016 XXXX. XXXX XXXX I received a e-mail saying i made a payment of {$39.00} ( i did not ) and that i owe {$130.00}. On XXXX XXXX XXXX disconnected my XXXX PHONE ( OR TOOK MY PHONE NUMBER FROM XXXX ) I was at work and was without a phone all that day having to go to XXXX to get my phone number back. XXXX XXXX i get a e-mail still from XXXX saying i owe {$100.00}. on XXXX XXXX i called back to the corporate store talked to 2 people last one saying HE would have to call XXXX and it would take some time to get this worked out and he would call me back ( HE NEVER DID ). on XXXX XXXX i get a e-mail saying i owe {$100.00}, on XXXX XXXX i get a e-mail saying i have a {$2.00} credit, on XXXX XXXX i now owe {$130.00}. XXXX, XXXX i receive a collection notice for {$130.00}. P L E E Z E can you stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: North Shore Agency, LLC
State: IL

Complaint narrative:
Had a subscription for XXXX XXXX. They sent an offer to renew notice, which I accepted. Shortly afterward, however, I stopped getting magazine, so I assume they did n't receive renewal. Afterward, began receiving billing notices from them, which I ignored because I was n't receiving magazine ( nor had I received renewal gift ). Again, assumed they had n't received renewal. Eventually, I decided to make payment because I wanted to begin receiving magazine again. Saw they had gotten payment. Shortly after that, received notice from collection agency. 

At the end of the day, my complaint is that I did n't pay the bill because I had stopped getting the magazine. It 's like agreeing to a gym membership, never getting a membership card because I had n't paid yet, but being billed and considered past due, even though I 'd never been access to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
Hauge Associates, Inc of XXXX, SD has been reporting false information to credit bureaus for almost 3 years. As of XXXX they reported to XXXX, XXXX false claims of debt owed. On XXXX they filed small claims suit against me in court. I challenged that claim in court and prevailed on XXXX as the judge dismissed the case for lack of proof of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
amount paid in full. company still shows as owed. its never been past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Immediately upon viewing my Janauary 2016 Chase Freedom Credit Card statement around XXXX XXXX, I called the credit card customer service concerning an unrecognized account activity of {$1200.00} dated XX/XX/XXXX16- Agent Fee Travel Service. When I spoke with the representative, he asked me if I purchased an airline ticket on that day, I checked my records and saw that I purchased a ticket to XXXX CO for {$360.00} with " XXXX '', However, there was an overchange of {$840.00}. The rep. told me that they can not assist me because I had given the merchant authorization to charge my credit card and it did not matter the amount. He said I had to take it up with the merchant. I followed his instructions which was unsuccessfull even through they admitted that they made a mistake by overcharging me {$840.00}. On XXXX/XXXX/16 after speaking with someone who had a similar experience and whose credit card company assisted them, I decided to call them back immediately. The representative told me that the time had passed for me to file a complaint and there is nothing that they could do. I am highly upset because if I was given the correct information when I first called in XXXX I would not be going through the frustration and headaches that I 'm going through to this day. I asked to speak with a supervisor on that day and explained my frustration, she advised me to write a letter explaining what happened, including the dates, individuals and copies of all correspondents with the merchant and the fact that a supervisor of the merchant company admitted that they over charged my card. Again I followed their instruction. On XXXX XXXX I received a reply from the credit card company stating that the charge remains valid due to the significant amount of time that has passed, and the merchant unwillingness to honor their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
I received several voice mails regarding a debt I owed. I ignored them because I do n't have any debt. Anything outstanding was discharged in bankruptcy several years ago. Today I received a call from a man stating I had an outstanding debt with XXXX and they were going to take me to court over it. He then asked me to forward him to our payroll department. When I declined he said he would be faxing them. I asked for his name and the name of his company and to send any debt information to by mail. He declined. He hung up. I called back and spoke with a XXXX XXXX. I again asked for the name of the company. I was told Lexington Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX would not send me any information on this debt either. He told me the debt was for XXXX. I told him I did not owe any debt and among other things he called me a " deadbeat debtor ''. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Have a revolving CC account with Chase. Recently paid all but a couple of hundred dollars against a very large balance ( on time ) and got hit with a huge interest fee charge because the whole balance payment was n't made. Interest should only apply to the unpaid balance. 
Previous Balance {$5200.00} Payment, Credits {$5000.00} paid XXXX Interest Charge {$50.00}

Company response to consumer: Closed with monetary relief