vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt has been sold and therefore the original debtor holds no contract with me. This debt is held without my knowledge or consent and I have never entered into any contract with united revenue corporation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: CA

Complaint narrative:
United Revenue Corp continues to NOT provide proper validation of debt. Since I have been disputing this false information they have Flagged my credit report four different times this month ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent a certified letter XX/XX/2017 asking to please provide proof that this debt is valid. They did not ... instead they sent break down of fees BUT they did not provide a copy of my signature with the provider of service to release my medical information to a third party. I really do n't believe they even reached out the original creditor because United Revenue Corp did n't receive my letter until XX/XX/2017 but managed to validate this alleged debt in one day because the letter they sent me is dated XX/XX/2017. So they mean to tell me they were able to get in touch with the provider on Saturday or Sunday to validate this debt? 

I truly believe United Revenue Corp is breaking the law by 1 ) refusing to properly validate this alleged debt. 2 ) Contiuning to report false negative debt to the credit bureaus. If this witch hunt continues to happen I will seek legal counsel with the full intent to sue! I am very aware of my rights under the FAIR CREDIT REPORTING ACT. AND I also know a itemized bill is NOT validation of debt!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mintex Inc.
State: TX

Complaint narrative:
Violation of FDCPA by XXXX XXXX XXXX 

They called my cell phone on a recorded line XXXX/XXXX/2016 at XXXX and confirmed that they are a debt collector attempting to reach XXXX XXXX ca n't remember the last name ). Caller ID number was XXXX. I am a third-party, XXXX XXXX. 

Please contact me regarding what action can be taken against this collection agency ( and/or their licenses or officers ) for this violation or if you have any questions. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I enter loan for the property located on XXXX XXXX XXXX XXXX NJ XXXX with XXXX Bank XXXX XXXX XXXX as trustee of XXXX XXXX Mortgage Trust, loan that has been transferred several time, first to Washington Mutual, then to Chase Bank and now to XXXX. Due to financial hardship I tried to do agreement to return the property after trying multiple times to Refinance the loans which have a very high interest rate, but no response was received. Called Chase to request information about the 2nd loan that is still in the title but they say it is " closed '' do n't know how because their system does n't show as pending, but they are the holders of that note. This is the reason why I need Chase to make a decision and let me do a deed in lieu

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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:
It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

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

Complaint narrative:
Have been working with Nelnet. Have had 5-6 calls with them and each time have been told conflicting information in regards to my account. I have been told with some calls that my XXXX required payment would be completed when I made the XXXX payment. However, come XXXX I was required to make yet another payment. Was then told that my daughter was now enrolled in the Income Driven Repayment Plan and her payment would be XXXX. However, upon calling again later in XXXX was told I had to make YET ANOTHER payment. Also, filled out the application for this program on line in XXXX, XXXX and XXXX. Nelnet first stated that they had none since XXXX. However upon pushing them they all of a sudden found XXXX from XXXX and advised they would submit it since they once again agreed her XXXX required payments had been made per a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XXXX of 2014 on the dates of XXXX XXXX and XXXX XXXX, 2014 XXXX payments were made to Chase bank for the mortgage on our home. The payment of XXXX/XXXX/2014 was made by the program Home keepers the payment of XXXX/XXXX/2014 was made by my wife and I. Chase made an error and charged interest for the month of XXXX in the amount of XXXX. This was XXXX the monthly amount of interest due. Repeated letters to Chase bank have gone unanswered. I feel that Chase Bank purposefully will not answer our letters and that they purposefully charged XXXX the amount of interest that was due. 
Also the NJ home keepers was a program that helped us when my wife became unemployed and the banking theft and mortgage/housing crises, which no bank managers had to pay criminally and instead paid off small fines ( not fair ). However please also review this process because Chase and NJ Home keepers would not allow us to get assistance unless if Chase bank was paid a specific amount in arrears owed. This was not fair because we were never ever late on a loan payment and had no arrears to pay off, but Chase bank got thousands of dollars to pay off arrears which did not exist. 
I feel it is only right that these XXXX issues be looked at. 
We are so upset of how Chase can act without regard to the law, and yet if an individual steals bread to feed their family they can go to prison, and Chase bank can steal and manuiplate without any regard to any consequence. 
Please look into the XXXX matters XXXX being XXXX the amount of interest charged for XXXX 2014 and how Chase collected thousands of dollars in order for us to get assistance from NJ home keepers to collect funds for an account in arrears when the account was never ever paid late or in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for a credit card on Chase.com on XXXX XXXX and was approved soon after. I did not use the card anywhere, as I was waiting to receive it in the mail. I received the card about 10 days later, however, a fraudulent charge of {$5000.00} was attempted on the card on XXXX XXXX. Considering I never used the card and it was not lost, it seems to me that the information was breached during the chase application process. I tried to contact Chase, but was not able to get anyone to understand my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I deposited {$200.00} into my savings account with Chase bank. On XX/XX/XXXX I went into the bank to request a bank card that was never mailed to me & learned that the account had {$0.00}. I told the banker that that could not be correct because I just put money in the account on XX/XX/XXXX & was told that money was withdrawn the same day it was deposited. I did not do the withdrawals & she called to report the transactions. One transaction was a miscellaneous debit withdrawal which is done manually but the manual withdrawal slip can not be produced! Chase reversed my credit saying that the investigation shows it was correct but have yet to show me a photo of the withdrawal slip or a photo of me completing the so called correct transaction ( both occured at the Chase main branch bank so I would like to see the proof & have them explain why my credits were reversed when I did n't do the withdrawals ). I had no reason to withdraw from the account because I took out {$300.00} from another account & placed the {$200.00} into my savings account and still had over {$300.00} in my other account, I did n't need to deposit money & then immediately withdraw it, I had a {$100.00} in my pocket & more than {$300.00} in another account days after the skimming transaction occured!

Company response to consumer: Closed with monetary relief