vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: TX

Complaint narrative:
Did not receive notice of right dispute, i dont know what this debt is for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Cedars Business Services, LLC

Complaint narrative:
Please be informed that I, XXXX XXXX XXXX XXXX, was residing in XXXX as an expatriate resident during the period XXXX, during which I was holding a Bank Account under my name with XXXX including a Credit Card. In XXXX, I EXITED the country in XXXX and since then have been residing in XXXX and then in XXXX till date. 

I have received an information on XXXX XXXX XXXX from a company CEDAR FINANCIALS- from one XXXX XXXX XXXX ( email copy enclosed ) who is claiming that I owe the XXXX {$600.00} pertaining to Outstanding Debt relating to a CREDIT CARD that i held with XXXX way back in XXXX? 


I would like to mention that on XXXX XXXX XXXX itself I have asked the claimant to provide me an OFFICIAL STATEMENT of ACCOUNT and am willing to settle this amount provided this is a rightful due.?? Further I have also requested them to provide me an Authority Letter in addition to the above by the Bank Authorizing CEDAR to collect the subject outstanding. They have provided me a xerox copy dated XXXX, however and IMPORTANTLY have NOT provided me a copy of my account statement / other evidences to support this claim.??? 


Finally on XXXX XXXX, I have received another email from CEDAR with a final date of XXXX XXXX XXXX for settlement failing which they are threatening of further legal consequences as below ; 1 ) Legal proceedings in your present country 2 ) Travel ban for anything up to 10 years 3 ) Interest/fee charges elevation due to the time period My complaint & grievance as a EX- CUSTOMER of XXXX is that how come such a reputed bank such as XXXX could resort to appointment of such agencies who do not work purely on business ethics and logic rather than report to other 'COERCIVE ' means that literally amount to ' XXXX HARASSMENT ' of customers without giving any supporting evidence or other document to support such claims.? OR Alternately if this is a scam then it ought to be dealt with by relevant authorities in order to stop this company /representative from harassing me. 

Kindly review this with utmost urgency and clarify ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This collection agency has put a debt on my credit reports. I spoke to them about this and they said they sent a collection notice to an address I have not used in almost 10 years. I have not been able to dispute this debt nor have they sent me any thing to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
The company is XXXX their phone # is XXXX XXXX at XXXX am they called my place of work. I answered and they asked for me using my full name-when I asked what it was regarding they said it was personal. I said it was me & they wanted to talk to me about a bill because they could n't reach me by phone ( had my phone # changed when I switched carriers several months ago ) I had a patient standing in front of me waiting to get checked in so I told her to not ever call me at work again or I would get XXXX of an attorney. This was very embarrassing for me as my co-workers and the patient heard the whole thing. Very sad that they would stoop that low and put my job on the line by calling me at work. We are not supposed to take or get personal calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank has been unwilling to provide any form of assistance in recovering or refunding the money I lost as the result of a scam. I wrote a check to an XXXX-based tour company in the amount of {$3600.00} in exchange for their tour and guide services. 2-days prior to the trip, the company cancelled the trip citing XXXX in the area. No other travel companies that we contacted cancelled their trips and there were no reports of any XXXX online. The tour company has kept my money and is unwilling to offer any form of refund. The others in my group were able to recover their funds from their banks and credit card companies, but Chase told me they would not provide any options other than " contact the police '' and " try to get your money back from the company yourself. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
1ST MY SON HAD NEED FOR A DEPOSITE OF ABOUT A XXXX DOLLARS CASH INTO HIS ACCOUNT AND HE WAS OUT OF TOWN WE JUST WANTED TO DEPOSITE AND CASE BANK Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX THIS IS WRONG ARE LIVING IN STATE THAT WE CA N'T TAKE CASH XXXX ALSO I WENT TO GET A MONEY ORDER BUT IF YOU DONT BANK THIER THEY WANT SELL YOU A MONEY ORDER TO PAY THE GOVERNMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank ignored me when I contacted them by phone approximately two weeks after the charges [ appeared ]. Chase promised me that they would refund the money to my account. Because I got sick I was unable to verify or confirm if they had done what they said they were going to do. I trusted their word, but unfortunately they never refunded the money. After some time had passed I called them again, but they ignored me. My XXXX is not very good, but I do understand and they treated me with discrimination. After some time I called them again. Then they sent me a letter saying that the dispute was outside the time frame even though I explained to them that I WAS NOT PLACING A NEW DISPUTE ; I WAS CALLING TO HAVE THEM FIX THEIR MISTAKE. APPARENTLY they purposely, maliciously and conveniently continued to ignore me since the beginning to invalidate my rights as a consumer. I am closing the account but before I do I need them to honor their word and do as they said. They should not mock me in that manner just because I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.

Company response to consumer: Closed with explanation