vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
{$12000.00} For ONE Year of College In 2007, I was a XXXX with my sights set on college - and only {$20000.00} standing in my way. I received a colorful advertisement in the mail from Chase Education Loans promising the bright future I was so desperately seeking, and snagged the opportunity immediately. Sure, I read the fine print - but at XXXX, I did n't quite understand the meaning behind " variable interest rates '' and signing away my soul. I wanted to go to college, and Chase offered the solution. Problem solved! 

During my first month at school, I received a piece of mail from Chase - my first piece of mail addressed to my dorm! I opened it up, and sat down in shock as I read the numbers printed on the paper - My {$20000.00} loan was in deferment until I graduated, but would continue to accrue interest during that time period. Over 30 years, I would end up paying {$100000.00} in interest - that 's a grand total of {$120000.00} for my XXXX year of college. 

Once I 'd obtained my XXXX and my loan came out of deferment, I was sent a bill with a whopping total of {$34000.00} to start paying on - and a minimum monthly payment of {$330.00}. Out of that {$330.00}, only {$30.00} goes towards the principal of the loan - meaning I 'm paying {$300.00} a month in interest. 

Drowning seems to be the only way to describe how I feel when faced with the reality of my situation - although helpless, ashamed, and depressed are right up there as well. After 3 years of making payments on this loan, I have n't even scratched the surface - my statement this month says I still owe {$34000.00}. The total has n't gone down despite paying every month, it 's gone up! 

I 've tried educational counselors, financial advisors, loan forgiveness programs ( unavailable to private loan occupants ), renegotiating the terms of my loan with Chase - you name it, I 've tried it. I feel desperate and frustrated all at the same time ; I went to school to provide a better future for myself and my family, and yet I 've put myself into a predicament that I ca n't seem to climb out of. I 'm desperately trying to make something of myself, and yet my student loan for ONE year of college is truly making it impossible for me to move forward! 

Times are tough for everyone - in a struggling economy, we 're all just trying to make it from paycheck to paycheck. My goals in life, however, are stymied by the weight of the decision I made at XXXX - the decision to believe and trust in a company as prosperous as Chase so that I could go to college and accomplish my dream of a degree. 

Thank you for reading my story - and hopefully learning from my mistake! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage ( UHM ) transferred my mortgage to a new servicer. However, they owe me a escrow refund. The problem is that since they transferred my loan, there is no way to reach UWM via the customer service number. Once their phone system asked me to enter my loan number for verification, the system tells me my mortgage has been transferred and to call the new servicer, then the phone hangs up. Calling back and trying to get someone to pick up the phone by pressing zero does not work. There is no way to get in touch with UWM in order to received my escrow refund. The new servicer ca n't help either as the issue is with UWM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase has issued a XXXX to me for debt that is not mine ; I have no known liabilities with Chase. I 'm assuming the debt regards a personal Visa credit card account once held by my deceased wife, that the company now insists was a joint account, though the source of the alleged liability was not described. A XXXX was also issued to her name ; later a XXXX request for her own taxpayer identification was sent. 

Under the assumption that the defaulted debt in question was, in fact my wife 's credit card, I researched what records I still have on hand back to the 1988 origination date and am convinced that Chase has made an error with regards to account ownership. I am attaching my letter to Chase along with a number of supporting documents that suggest the existence of joint liability in this regard stretches credulity to absurdity. 

Yet, I can operate only under assumptions, as Chase has provided no historical evidence of the debt beyond the assertion that it I share it jointly with my former wife, who 's tax identification is still unknown to it. 

Insofar as the XXXX will impact my personal tax filing and financial aid determinations for XXXX sons who will be attending college next year, I am hoping for rapid resolution of the matter in hopes that their education will not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Asset Services LLC
State: NY

Complaint narrative:
XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance constantly contacted me multiple times per day after making arrangements to pay. They contacted my husband who is not listed on my account and solicited a payment from him. They also provided him with information regarding my account and the account status. He is not on this account or authorized to receive any information. My son dropped off the payment close to their closing time and they refused to provide him with a receipt but took the payment from him. This concerns me because I 'm not sure if the payment was applied to the account. When I called to speak with the store manager XXXX she placed me on hold and neve returned to the phone regarding the issues I was having with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants of California has unlawfully placed collections under my credit reports for debts that were paid to XXXX though a lawsuit and the court of law. I do not owe nor am I responsible for any debts placed against me as the court of law is handling an accident case which resulted in me being compensated for injuries and and physical damages and all medical expenses were included in the suit and I am not responsible for them. This company has used harassing and aggressive tactics to contact me at nights using robotic machines and leaving voicemails and threats of lawsuits on my cellular phone and on the phones of my family members and I have had to change my cellular number. Please investigate their unlawful collection practices and their unlawful placing of debts on individuals accounts without proper verification or providing any paper work of debts owed. XXXX XXXX is in possession of all legal forms and case numbers filed by my attorney which places this debt in the hands limousine company that caused my injuries. They are insured and have covered the costs with XXXX through a lawsuit judgment. I will challenge and respond until they remove the illegal debts from my name. I will not stop disputing the accounts reported to the bureaus under # XXXX and # XXXX. They are not legally allowed to contact me as well. I will pursue litigation with my attorney if they do not comply. This company is very deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Northern Alliance Management, LLC
State: MS

Complaint narrative:
I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I have worked diligently over the last 5 years on my credit report. Specifically, I have made every single car payment on time to TD Auto Finance for over 3 years.I decided last month to refinance so I can prepare to buy a home in the near future.I refinanced my vehicle loan from TD Auto Finance with my bank, Elevations, at their recommendation and called TD Auto Finance and advised them that I was currently refinancing with my bank and what do I need to do if anything. They said I did not need to do anything as long as I was still within my grace period of the payment due date of which I was.I am not sure the exact timeline of communications between TD Auto Finance and Elevations and of that I have no control over anyway, but all I know is that my next payment was finally due and that was due to Elevations bank of which I paid.During this time frame TD Auto Finance sent a negative report to my credit report. It is like they threw over 3 years of perfect payment history and me notifying them as to what was going on with the refinancing back in my face. Not only that but they were paid in full the amount of the loan. I have worked so hard on my credit report to have this happen and when I saw this on my report today it made me sick to my stomach. I need to know what step to take next to resolve this issue and get that negative mark off my credit report. Thank you. Respectively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has a TD GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD auto reposessed my car, sold it in auction and I paid the difference. Was told that this account will now be deleted from my report due to full settlement however, TD auto reporting this account on my credit report as an active reposession account with outstanding balance and I still keep getting harassing called with attempt to collect debt from my on this paid in full and setteled account. 
TD AUTO FINANCE Account number XXXX .... 
Recent balance {$6800.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$6400.00} written off. {$6800.00} past due as of XXXX XXXX. 
In dispute cart XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 72 Months On record until XXXX XXXX Credit limit or original amount {$27000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$500.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

my numerous attempts to communicate with TD auto went ignored ... i recently received a letter from them stating they are not a debt collector but that I still do owe them on this account because of the purchase note i have signed ... when i questioned the funds from the auction sale of the car and what i paid to them i was told by TD auto that there was no record of payment of any kind which is why they are still collecting from me .... where did the money go and why do i have to pay twice or be harrassed to pay for the account i have previously settled ... is n't this illegal? ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Adjustments Inc
State: MI

Complaint narrative:
Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.

Company response to consumer: Closed with explanation