vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation
State: DC

Complaint narrative:
I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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: Receivables Performance Management, LLC
State: VA

Complaint narrative:
As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Academy Mortgage Corporation
State: ME

Complaint narrative:
On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
On XXXX,2015 paid off my debt of XXXX to Receivable Performance Management payment processing and collection. This account was turned over to them by XXXX XXXX. I spoke to the supervisor XXXX XXXX at XXXX and was adivsed to pay the balance listed above which we agreed as payment in full and was given a confirmation number. He also advised me to send a dispute letter for the remaining balance to the XXXX credit collection agencies so the items may be removed from my credit report. I did as i was advised and i recently pulled my credit reports and XXXX of the agencies are still reporting as not paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
reference orig case XXXX ... XXXX XXXX and follow up # XXXX, XXXX XXXX ... This is a REQUEST for information.Please provide SPECIFIC, DETAILED information concerning violations of TILA, and fee shifting provision REQUIRING a defendant to pay plaintiff 's attorney fee 's and costs.ADDITIONALLY, as I interpret the law, I am wholly dissatisfied with SERVICES I purchased with credit card, namely useage of an access check for a 2 % FEE, PAID UPFRONT. I, therefore have the RIGHT NOT TO PAY remaining amount due, which happens to be extorted interest and aggresively extorted " late fees '' ONLY ... Original balance was paid in full prematurely. My RIGHTS are preserved because the purchase was based on an advertisement Chase mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LendKey Technologies, Inc.
State: TX

Complaint narrative:
My problem concerns Lendkey Technologies , Inc. ( Lendkey ), and their " next business day '' payment processing policy for student loan borrowers. Lendkey allows borrowers to make a direct payment only on the XXXX of each month, which is also the day the payment is due. However, if the XXXX falls on a weekend or holiday, Lendkey processes the payment on the next available business day. This oftentimes lengthens the billing cycle by 1-3 days. Interest continues to accrue during the extra days, resulting in higher payments over the life of the loan for the borrower. 

This practice is unfair and deceptive. If Lendkey legitimately can not process payment on a weekend or holiday, then Lendkey should either 1 ) allow borrowers to make a direct payment on a date preceding the weekend or holiday, and/or 2 ) discount the interest that accrued on the loan during the extra days. Lendkey requires borrowers to make payment by the XXXX and threatens the borrowers with late fees if payment is not timely received. Yet, Lendkey apparently lacks the capacity to consistently process the payment by the due date. Lendkey 's inability to timely process payments should not result in a benefit for Lendkey at the expense of its borrowers. 

Lendkey may argue that the borrower breaks even because a lengthened billing cycle in Month A will equally reduce the length of the billing cycle in Month B. However, the balance of the loan and the interest per day will always be lower in the subsequent billing period because the borrower made a payment the previous month. Therefore, the money lost due to interest accrued during the weekend or holiday in Month A will always be greater than the money gained due to the shortened period in Month B. 

Accordingly, Lendkey should be made to revise its payment processing policy and reimburse the extra interest to the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COAST PROFESSIONAL, INC.
State: GA

Complaint narrative:
Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: KS

Complaint narrative:
My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Westlake Services, LLC
State: VA

Complaint narrative:
They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid off my credit card in XXXX 2016 and then I received a bill for {$58.00} today XXXX XXXX, 2016. I called JP Morgan Chase costumer service and they told me this is a residual balance. I then asked, is the only charge I willhave to pay? But then I was told that I will probably have to pay more residual balances after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank in their overzealous security has restricted me from accessing my Chase XXXX Card ( Acct. # ending in XXXX ). I was attempting to verify a XXXX Chase credit card that I recently applied for ( i.e. the Chase Freedom XXXX XXXX with Acct. # sending in XXXX ), and Chase XXXX would NOT allow me to verify this credit card. Furthermore, Chase Security then lock me out of their online access to my Chase XXXX Card which I have had for more than ten ( 10 ) years. Several phone calls to Chase Security has resulted nowhere and promised phone calls back has NOT been kept. Please help me resolve these XXXX XXXX XXXX XXXX matters by Chase Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. 
They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )

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 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.

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