vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 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 contacted United Revenue due to a collection acount on my credit file. I called the hospital and several pertinent pieces of information was not accurate. I then sent United Revenue an Identity Theft Affadavit. This information contained my accurate information as you have to disclose it on the forms. After i mailed the forms i called United Revenue to discuss and the information such as date of birth and spelling of name on the hospital intake forms were different than the correct dates and spelling. Once United Revenue received my affadavit they changed their records to match my affadavit and after calling to confirm receipt they are now giving me the correct spellin correct date of birth and claiming they have verified the information and i owe this debt. I asked to speak to Supervisors and was told no one was available. when i asked them to verify the methods used to verify the debt i was taighnted about my inabilities to pay. I repeated time and time again that this is not my debt and this needs to be removeed for no other reason then this informmation was inaccurate and i never visited the hospital or doctore and never had any of the XXXX for the body part indicated. No company should be able to use the information on the affadavit to then change their records to match

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: MS

Complaint narrative:
My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My daughters ' XXXX from XXXX XXXX and XXXX University. They have not been able to obtain jobs and I am the co-signer on their loans. We have all tried to contact NJ Class and have asked for unemployment forbearance, lower payments, consolidations and have been turned down on all request. They do not want to hear your problem and just want payment. They do not consider partial payments and do not understand your situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
I borrowed XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. 
I have repaid XXXX dollars on this loan. It came to my attention on the XXXX Department of Banking that these types of Loans are illegal in XXXX.. I have paid Dakota Lending dba MyLoanSite.com XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX I have paid this company {$1700.00} plus the Original loan amount as of XX/XX/2016. 
They have gotten their money back I do not want any money back. They are fooling the common person in XXXX where they should not be lending money at all.

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 2016-07-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: PLS GROUP, INC
State: UT

Complaint narrative:
I started a payday loan with PLS Cash Loan Store XXXX, Texas on XXXX. PLS later changed the terms on me and stopped doing loans in the State of Texas.Pls forced me to make payments to their internal Collection Department. I have been told by the manager if you set a payment plan and make payments then we will return your personal check, which is kept as a collateral. I have made several payments ; but this company would not keep their words and changed agreements on me. They are XXXX mailing me by holding my Higher Amount check that was written for the total amount of loan taken out. PLS Store in XXXX, Texas will not void my check and they refused to return my personal check which has wrong higher amount than what I owe them. PLS Store district manager XXXX XXXX lied and PLS sold my account to Third Party Collection agency. I had never skipped a payment while I started this account. They have changed the terms and shut down everything started to demand money upfront. so after several payments I Stopped payment to make sure my Check with be returned to me and not cashed in with that high amount written on it which I do n't owe them at all. CHECK NUMBER XXXX XXXX bank Texas written for XXXX. After making several payments they still wont return my check. This is a consumer Fraud period.

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 non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC
State: FL

Complaint narrative:
I have hired a credit consolidation company to consolidate all my debts wich includes this loan. Now the company by the name of Premium Assets Services called my to let me know that they bought this account and are threatening me at work and my cell to take my car or my property, they are calling me at work every day also calling me at my cell even I already reported them to the no call registry now they also calling my family members to ask for me. I spoke to them and told them that I was working with a consolidation company by the name of XXXX XXXX XXXX XXXX. They say they do n't work with these kind of agencies. they want me to give them information of my bank account or credit card. Now they are calling from different numbers, and names all from the same company.This is already affecting my job and its getting really stresful, They refuse to speak to the person is handling my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have deal with Chase for some time, trying to work out a modification agreement. The have been very difficult to deal with and they seem not to want to actually deal with the customers. I always get a new person assigned to my file, and now I have a sale action date of XXXX XXXX 2015. I still want to keep my home. Their executive office is difficult to deal with as well, even though they own the loan and there is no third party investor. 
I contend that Chase offered me a modification agreement last summer that I accepted with their on line portal, however they sent in writing a modification offer that was $ XXXX/mth higher than what I accepted on line. I asked for an explanation and inquired to Chase what happened to the first offer, but they took the stance that they would only acknowledge the second offer they sent. I still made all the trial payments, in the good faith that they would see the error and honor the first set of modification terms. By XXXX they still did not acknowledge the first offer, even though it was still showing online ( of which I have screen prints to show ) and would no longer accept payments from me after I made all of the trial payments. 
I have been trying since XXXX to have asstiance with someone in helping with Chase as they seem to hold all the cards. Chase owns the loan there 's is no 3rd party investor, so they can do whatever they want, which is to foreclose. It is clear this is the way they do business as evident with the numerous settlements for XXXX of dollars including the XXXX XXXX dollar Mortgage Foreclosure Settlement. They have gotten me to accept one offer they switched it with another more expensive offer, it has been a classic bait and switch situation. It seems this happened all too often in communities like ours, right now there are XXXX empty foreclosed homes on my block ... I do n't want to be the XXXX XXXX. I must speak out and fight on with this because I know I am not the only one who has been victimized by Chase Bank like they, and they need to be called out on it. I simply want to keep my home of XXXX years and for them to honor the terms of the first modification agreement they offered. I am asking for any assistance that you can give in this matter, please feel free to contact me so I can send you any documentation that you may need. Your help is appreciated, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent charges were made on my account, I have contacted the institution on a daily basis with no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AAA COLLECTORS, INC.
State: CO

Complaint narrative:
Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was offered a free night with the intercontinental hotels program, i stayed at the hotel on the XXXX of XXXX 2016 for XXXX night. 
i was assured and promised that by the end of my stay i would only be charged XXXX night, then i was charged for XXXX nights. 
i have talked to all the representatives at the XXXX rewards program and with the accountant of the hotel and was assured it will be fixed. 
it was not fixed so i had to dispute the charge with Chase credit card, and they did not help me the consumer and credit card owner. 
so i canceled the credit card with out paying the disputed amount.

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

Complaint narrative:
My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was XXXX on XX/XX/2014. Chase Bank continues to show up on my credit report as a balance that is past due, preventing me from rebuilding my credit and damaging my scores. At almost XXXX years old, my bankruptcy attorney told me that they ca n't do that, but he ca n't help me fix it. Please have change correct their errors and apologize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Today I went to Chase Bank for the fourth time, and they were unable to add me to my wifes account, even though she had authorized it. They made me feel like a criminal, because the person who was assisting me asked about my XXXX and why I didnt have a Social Security number and how long I had been living in the United States. This was disrespectful to meit was the most humiliating treatment I have ever received. The person told me that I had to return with my wife, and when they said wife, it was with a sarcastic tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Pursuant to an Order of Court on XXXX XXXX, 2015, per XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, Sec. XXXX, ( XXXX XXXX XXXX XXXX, XXXX ) In the Matter of Succession of XXXX XXXX XXXX, I was granted immediate possession of all funds in Chase Bank Account No. XXXX. It has been almost 3 weeks since I first contacted Chase to deliver these funds, and Chase will not commit to a date by which these will be delivered. Chase has no right to retain money that the Court has ordered to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX has not sent me any statements showing my balances due. I did not know my loan was almost defaulted - I was informed by a accelerated action letter from chase dated XXXX. I was not given any phone calls or additional letters warning me that I was about to default. I am just asking chase allow me to make up the missed payments and continue making the monthly payments. I WAS TOLD WHEN MY LOAN WAS MODIFIED FOR LONG TERM PAYMENT MODIFICATION I WOULD HAVE FORBEARANCE FOR PAST DUE AMOUNTS. THIS DID NOT HAPPEN. i WAS NOT INFORMED THAT THIS HAD NOT HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have disputed with XXXX and XXXX the Date of First Deliquency on this Chase account, and have had phone calls with Chase collections along with their " credit report specialists. '' I believe the proper Date of First Delinquency should be XX/XX/XXXX which is the date the account was closed. On the attached bill you will notice that the account was over-limit and past due on the XX/XX/XXXX statement, it was never brought current and the account was eventually settled in XXXX. The Chase " credit report specialist '' told me today that Date of First Deliquency '' is actually the date that the account settled for less than full balance. I have not seen any reference to such a policy, and think that that would constitute a " re-aging '' of the credit file.

Company response to consumer: Closed with explanation