vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged on my Chase VISA by an XXXX for a plane ticket I neither wanted nor ever used. I 've spoken to Chase representatives numerous times over the last 90 days. I 've also submitted numerous messages to their secure online messaging center, but never received more than an automated response. On my phone calls I 've been told repeatedly that a dispute would be processed. The initial charge was reversed but then keeps reappearing. I submitted documentation as evidence that I never purchased a plane ticket from the XXXX, but Chase 's Dispute Department said they have no way of receiving such documentation through their own secure messaging center. This {$670.00} charge remains on my credit card without any process for reversing it. I never permitted, requested or signed my authorization from this XXXX for a plane ticket or any other service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. 
The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. 
The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. 
Additionally, Chase has failed to provide evidence that funds for the academic period from XXXX 2008 to XXXX 2008 were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: United Shore Financial Services, LLC
State: CT

Complaint narrative:
I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.

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

Complaint narrative:
After receiving several offers for credit card from southwest chase credit card. I called one day to inquire about the card. I spoke with a woman, she told me about the card, and as an incentive to become a customer she said that the annual fee of XXXX would be waived. After hearing that I applied and was approved for credit. I got my card in the mail, and activated it, got the app and check balance periodically. Today, I checked my balance on my app. I noticed the annual fee was charged to my account. Which I figured was a mistake on there end. So, I call and speak with a CSR, a guy who I should have gotton his name, was not helpful and was VERY unprofessional. His tone of voice was absolutely despicable. I felt as I was his child he was reprimanding. I told him about the fee and he continue to say you didnt see what was being said when you applied, it said that, we dont do that. No customer or any human being or XXXX an animal should be spoke to like that. He needs to be retrained. I asked to speak to a Supervisor, which she was not helpful at all. She acted as she looked into and did not see anything. I felt if she would have did some digging then she would have been able to assist me. I felt as she did not want to help me and I was a bother to her. Being a new customer and being treated as I was, this leaves a bad taste in my mouth and have me wishing I would have never got an account with SouthWest Chase. I wish I can close this account but I can not, I got a hit on my credit getting the card and if I close it so soon, it will be bad on my credit. I feel stuck and no way out. I will warn others and inform people of my experience, so others wont get trapped like I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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:
High Desert Creditors has placed a collection account on my credit when they never once contacted me and attempted to validate this debt. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I have lived at the same address for 11 years and not a single notice has come to that address yet it is on my credit report. I am a XXXX and this is impacting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I am being charged XXXX percent interest on a loan for expenses when my vehicle broke down. I am currently XXXX XXXX military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ronald B. Rich & Associates, PLC
State: MI

Complaint narrative:
I owe a debt for a car repossession. I do not dispute the claim, however, I am human and I simply forgot to send a payment to the debt collector for XX/XX/2016. The debt collector sent me a reminder notice and at the bottom of the reminder notice, he, being XXXX XXXX hand wrote in blue ink " last chance ''. That verbiage made me feel like I was being threatened. I felt very uncomfortable with what was " hand written '' on the letter. I believe this is a violation of the FDCPA Guidelines : 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management Corp
State: VT

Complaint narrative:
Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX, 2016 RE : Modification Agreement Sent Priority Overnight Received XXXX CFPB Please see CFPB Case No. : XXXX I attached a copy of the email I sent to Rural Department and their response, ( XXXX XXXX & XXXX ), they called this loan a " Traditional Modification '', not a USDA LOAN or a " Borrowers Assistance Loan ''. 
I previously sent copies of the complete document of the " 3 Month XXXX Trial Modification '' from Planet Home Lending. I only attached page XXXX ( XXXX mod ) of this plan, so you can see the 360 months vs 302 months listed in the Planet Home Lending " Modification Agreement ''. I do n't know how to amortize the unpaid balance, but I do not think the monthly payment should be the same. I have attached a compete copy of Planet Home Lending 's Modification Agreement ( pages XXXX through page XXXX ). 
Please review the document called " Limited Power of Attorney '' to correct and execute any typographical or clerical errors. I am not giving anyone power of attorney over anything I am responsible for. 

Could you please review this agreement, even though I did not sign it, I ca n't help feeling there are additional problems with this agreement. 
Thank you so very much

Company response to consumer: Closed
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Focus Holding Company
State: TX

Complaint narrative:
XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: MD

Complaint narrative:
I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.

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 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NH

Complaint narrative:
Left XXXX XXXX to go to XXXX XXXX but made sure had XXXX balance before I transferred - knew there would be early termination fees. Contacted XXXX told them I was switching but when I got the ETF payment from XXXX XXXX would pay them to be in good standing. Switched and received bill from XXXX showing ETFS and outstanding amount - called and was told there was outstanding amount, we argued and I said I was told XXXX balance when I switched. Received ETF payment and contacted XXXX - spoke to billing/payment arrangements and told them I had the XXXX plus in ETF fees to pay but that I was not paying what they showed as outstanding because I was told I had XXXX balance. The person I spoke to said well if you can pay x amount you will have a XXXX balance and be in good standing. We set up weekly payments for XXXX weeks ( ca n't recall without looking at my bank statements ) and was told that this would clear any remaining balance and NOTHING WOULD BE REPORTED IN ANY WAY AS NEGATIVE, because I would be in good standing. I agreed to this and made all the payments required and the week of the last payment received a Debt Collection Letter - contacted XXXX and they kept putting me over to the in house debt collection - and this went on and on for a few days and they verified the payments but said they could n't undue what was submitted and it had to be XXXX to pull the account back. I filed a complaint with the FTC because they lied and reported it and now I have this negative on my credit report which I am trying to build up. Just this morning received another call from a company called Chase Receivables and I informed her that this is a XXXX debt and as such should not be on my credit report or for that matter being attempted to collect. XXXX is responsible for their employees actions and she messed up royally and now my credit has been negative impacted and I want it cleared up. This should be reflected as paid in full and removed from my report. I also feel they should give back the ETF fees of XXXX since that is highly criminal to charge that amount to leave a stupid phone company. I would not have paid the ETFs if I knew they would do this.

Company response to consumer: Closed with explanation