vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 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: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
I bought a XXXX phone for my girlfriend 's son in XXXX XXXX while I was on vacation. After XXXX months the phone was stolen from him. He never informed me that the phone was stolen, I found out late XXXX 2014. I asked him if he contacted XXXX about turning off the phone? He said he could not turn off the phone because XXXX needed my social security number. I did not give him my ss #. 

I got a phone call from XXXX in XXXX 2014, that the cell phone bill was {$430.00}. I explained to them that the phone was stolen in XXXX XXXX. and asked that they shut off the phone. XXXX said, " I WAS NOT THE OWNER OF THE PHONE AND COULD NOT REQUEST TO HAVE IT TURNED OFF. '' Then I asked, " So why are you telling me that I owe XXXX {$430.00}, if the phone is not mine? '' I said to the representative that something does n't sound right about this. '' XXXX months later, I received a bill in XXXX from XXXX saying that I owe {$840.00} and It 's going to collections. 

I immediately called XXXX and demanded an explanation. I was told that since I bought the phone, I am responsible for the bill. I challenged that statement because of what they told me 2 months before, that I was not the owner of the phone! 

I received a collections letter from an agency demanding {$430.00}. Then I received a second collections letter from Maury Cobb & Assoc. LLC form XXXX, Al for {$820.00}. 

The first XXXX calls from XXXX were threats to collect the debt via voice mail, calling my phone at least XXXX times per day. They use XXXX, XXXX and XXXX numbers to call, and rotate the calls daily. 
I have tried calling XXXX on numerous occasions, at least XXXX times per day. Whenever I call the numbers back, I receive a recorded message to leave a message and someone will get in touch with me. 
I contacted XXXX again but they insist that I have to pay although - : ( 1 ) The phone was stolen and was not in my possession ; ( 2 ) I pointed out that they told me I could not turn off the phone ( while the bill was at {$430.00} ) ; ( 3 ) They said that the phone was not mine, and I had no authority to turn off the phone ; ( 4 ) Then 2 months later, they insisted that I am now the legal owner of the phone and have to pay {$820.00}. 

Can someone please tell me what 's going on with XXXX and Maury Cobb & Associates LLC? Am I responsible for the {$820.00} bill?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc.
State: KY

Complaint narrative:
I received some information but not an actual signed agreement from this agency and I do not agree with the information sent in. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: PA

Complaint narrative:
I received a phone call from a XXXX at Premium Assests Services on XXXX/XXXX/2016 while at work concerning a debt though a Payday loan service. I informed here that I have never had a payday loan and not to contact me at work as I work at a XXXX. They then contacted my parents. I have no idea how they received that information. I have asked them several times not to contact me over the phone and to send me a debt validation letter. To date, I have not received this letter. Today, XXXX XXXX, from Premium Asset Services, called my place of employment and spoke to the HR director giving him my SSN, DOB, and address. This is a breech of my personal information and a clear violation of the Fair Debt Collection Practices Act. I want these people to stop these collection practices without me even knowing what the debt is in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: OR

Complaint narrative:
I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Creditor will not accept my payment. For a 5th time. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LendKey Technologies, Inc.
State: MN

Complaint narrative:
I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I was called on my cell phone by a man name XXXX XXXX, i was then transferred to a man named XXXX XXXX from credit card services. from there we called XXXX of my credit card companies to ask for a lower interest rate. they prompted me that I would owe XXXX $ and were aggressive in telling me i could not get off the phone or they would charge me. they had all my credit card information and last XXXX digits of my social and my cell phone number. it was a very bad experience. i was transferred to the supervisor after i said i did not want to continue. his name was XXXX XXXX. the number they gave me was XXXX, ext, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Unexpectedly I received a new Chase Amazon Rewards Visa card in the mail. I did not request it or apply for it. So far Chase has not closed the account or explained how I ended up receiving it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I waited patiently on a short sale house ( XXXX ga ) for a year. Did everything I was suppose to do, like keeping all papers upto date. Even signing amendments as if the attorney had everything under control. Then to be told by my realtor that my case had just been whipped out of the system and he ca n't get intouch with anyone was very unfair to me. I put my life on hold believe that this home would soon be mine. To being told it was in foreclosure and there was nothing I could do about it. Is truely unfair to me and my child. If the bank knew that they had no intentions on letting me buy the house a denial letter should have been sent not having a person wait for so long and still not go about the situation the correct way. Now I have to crush my XXXX year old heart by telling her a house that we thought was ours, we never had a chance of owning. Thanks to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....

Company response to consumer: Closed with explanation