vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 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: NY

Complaint narrative:
I was placed 2 payments in a month, and call the nelnet to check that why it took long time to process the payment the represantive told me that it may take 4-6 business days, and everything alright with the checking account. I even received an email saying that payment is successful, then a few days later I received another email saying that check the bank payment did not go through. I called the bank everything is good, they did not even try to make attempt for payment. I came with the idea that they do n't want you make 2 payment in month because they want all the interest they can get from the borrower. It is so unfair, I am working in XXXX jobs to pay back my school loan, and they are trying to rob me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
While traveling overseas, I was given a drink that was spiked with a drug that made me unconscious for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was unconscious ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You received benefit from this transaction '' This is false. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After receiving an email from Chase, I called to close a dormant CD ( from interest they did not provide at cd closure ). The representative told me he was unable to close my account, but could transfer it to my savings account and I could go into a branch to close it. I told him I did not have a savings account and he said yes I did and confirmed that my name and my social was on a savings account. I explained this was strange, but agreed. I then went into the branch XX/XX/XXXX to close the savings account, only to find someone else had already withdrawn the money as there were other UN-known customers also on the savings account?? When the representative pulled the signature card they found that I was not officially listed on the savings account ( only in the computer ) -- and that in some merger with Bank One my name had been electronically added to this savings account in error. He did confirm the CD where the funds came from was solely my account, but the savings that they transferred my funds into had others on it -- and I had been added to the account in the bank error. So admittedly they had given my money to another customer! 

Understanding how confusing this was agreed to leave the branch, giving them time to figure it out. It is now XX/XX/XXXX, over 2 entire weeks later and I still have no answers and no money. They finally took the branch out of the loop and gave me an executive representative, who left me a voicemail and I have called back twice on different days now with no return call back so we have yet to even speak after 3 more days now. I feel I have been more than patient in giving the bank more than two weeks to figure out the bank error, but at this point feel I am being taken advantage of. 

It has already been confirmed the CD was solely in my social security number ( and have received XXXX ) and that the savings account my funds were placed into was not mine and not withdrawn by me. This is clearly bank error, and admittedly so by the branch, I do not understand what is taking so long to gain access to my funds. Very frustrating by getting absolutely no attention whatsoever by the bank even after I had it escalated. So very scary that their system has added me to an account that I 'm not on and if crooked could have accessed?? Chase has given my money to someone else and are not willing to fix their error. Help me, this is unfair!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I began a cash out refinance loan for multiple properties that are investment properties in XXXX XXXX. It is now XXXX XXXX XXXX and every week JP Morgan and Chase tell me " a few more days '' or asks for information that I have already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been Chase Visa card holder since XXXX. I have not used the card since XXXX XXXX. I was notified in XXXX of XXXX that the credit card account will be closed for non-use. I contacted Chase and spoke to XXXX people, XXXX being a supervisor. I was told that my file was reviewed in XXXX and XXXX of XXXX, before the decision to close the account was made. I indicated that I was never contacted about my file being reviewed and had I been made aware of this, I would have begun using my credit card regularly. The initial agent I spoke to stated that typically card holders are notified when their account is being reviewed. However, when I asked for proof ( copies of correspondence ), none could be found and the only subsequent correspondence I received, referenced the initial letter sent in XXXX. The most disturbing part of this whole experience, is that I was informed that if I wanted a Chase Visa card, I could apply for a new XXXX after the existing card was closed. This card is in my name alone and not connected to my spouse in anyway. It 's an important part of my credit rating, since I 've had it since XXXX and it has a high credit limit. I understand that Chase has a right to cancel my account. What I object to is the manner in which they did it. They never notified me or gave me an opportunity to correct the situation. Something you 'd expect, if you were a card holder for 38 years. Further, their suggestions of applying for a new credit card with them, smacks of bad business and dishonesty. A hard lesson learned, but hopefully someone else will benefit from my experience. Be careful who you choose to do business with. A bigger named bank or financial institution does not necessarily equate to better service or loyalty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30 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: Bull City Financial Solutions, Inc
State: AR

Complaint narrative:
The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: Cedars Business Services, LLC
State: OH

Complaint narrative:
XX/XX/2012, I rented a car in XXXX and drove around for a week. Four months later, I received a notice of an infraction for " entering a limited traffic area without authorization, '' in a small town. Having heard this is a common scam of tourists -- for small towns to make these baseless charges -- I informed XXXX that I would like some proof. 

The next contact I had was from Cedar Financial, attempting to collect the debt. I similarly asked them for proof and was only given a photograph of the license plate of the vehicle I was driving. This was not proof of anything other than the fact that XXXX can take a photograph. 

I told Cedar Financial to stop harrassing me, and I filed a complaint with CFPB at least a year or two ago. I thought the matter was over. Well, about a month ago I was contacted by Cedar Financial again, attempting to collect this debt. I informed them that no proof had ever been shared with me and that any further attempts to collect this debt would be considered harrassment and I would report them. 

Today, I received the same photograph from Cedar Financial as before -- a very clear photograph of a license plate ... no time-stamp, no location coordinates, no proof at all that I was in a limited traffic area outside of the legal time. Therefore, I am reporting them again for harassing me by trying to collect a debt they themselves can not prove. In essence, Cedar Financial is becoming a bully and tool for a small XXXX municipality that is scamming tourists.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore Agency, LLC
State: MS

Complaint narrative:
On XXXX XXXX, 2015 I received a letter of demand from NSA also known as North Shore Agency regarding case number XXXX which is another collection agency that XXXX XXXX has chosen to send my name too and as of today 's date they have never responded regarding my initial complaint where they were to credit me the amount of {$3500.00} on my bill due to the errors that they made as well as false misrepresentation to the consumer. Today is XXXX XXXX, 2015. I have still not heard from them and instead of them fixing the debt showing the correct amount they have decided to throw my name to different collection agencies in order to ruin my credit. I have requested on numerous calls, and tried on many occasions for this account to be closed this company refused and would continue to bill me after I tried to close the account only to be told we can not do this today its a billing cycle or hang up the phone on me. When XXXX was not doing that and I got an agent the agent would keep me on hold for more than two hours trying to get assistance and by that time would come back on the phone and disconnect the call in order not to be the XXXX to disconnect a large account that had smart phones with more than XXXX lines at the time. Every time I requested my credit I would be told its not on this bill it will be on the next cycle. I was quoted a price that never was what my bill was and they continued to put even more fees that they never advised they were going to put on and it took months to get the line disconnected because XXXX deliberately kept billing me for lines in order to make profit from a consumer that advised them that they wanted the credits they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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 have several medical bills in collection from a company called Bull City which are not mine. I was never hospitalized or seeked medical attention at any of the times listed.

Company response to consumer: Closed
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JMD,LLC
State: CA

Complaint narrative:
XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.

Company response to consumer: Closed
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JMD,LLC
State: CA

Complaint narrative:
High Desert Creditors is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. The account is a medical bill for my daughter that I dealt with the medical provider many years ago. It is from 2007. I contacted High Desert Creditors and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false and misleading to anybody who may be considering lending me money. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX, and FDCPA Section 806.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cedars Business Services, LLC
State: TN

Complaint narrative:
I have requesting validation of debt owed regarding the {$5100.00} XXXX balance and Agency Fee {$1600.00} totaling {$6700.00}. 

{$1600.00} Agency fee can be considered as a unfair practice. 
The extra fees are not permitted I requested Cedar Financial send the original credit agreement where it states that {$5100.00} can be increased to {$6700.00} due to agency fee. 

I asked for payment options of 12 months or more. The agency would not allow more than 12 months or but promoted a XXXX lump sum payment. 

Cedar financial Ph : ( XXXX ) XXXX XXXX Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.cedarfinancial.com XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
Recorded message caller stating " This is a call from the law offices of Maury Cobb regarding a debt collection. Please call XXXX ''. When I call this number, there is a recording stating " the associate at XXXX is unavailable ''. Caller ID shows XXXX I do not have any outstanding debts to anyone and my credit is perfect and has always been perfect. It is a scam trying to make me think that I have a debt owed to someone. I have never been able to speak to a person at the phone number above. It 's only a recording each time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME 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 2015-07-08 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: North Shore Agency, LLC
State: PA

Complaint narrative:
North Shore Agency has sent us two notices that we owe {$13.00} for a magazine subscription we did not request. The notices do not:1. contain information on how to proceed if we do n't think we owe the money2 and we never received a validation noticeXXXX requirements as indicated at www.ftc.gov. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
We were pre-approved for a service many years ago, and just recently ( 2 years ago ) when we went to do a refinance we were notified that we had a debt from the banker not the collection agency. Then I followed the steps to prove I do n't owe, and I got a voicemail saying the claim has been paid, and I do not owe anything. Recently I was called again saying only part of it was paid and I still owe money. I asked for verification of debt and have not received anything. I last requested and explanation of benefits vial emai as I was told to do on XX/XX/2016 and then spoke with XXXX from Maury Cobb again on XX/XX/2016. I do n't have any bills to reference because no one will send me any information just a few reference numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation