vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I have been making payments regularly on all my college loans without missing a payment except during Grace Periods. Last XXXX, in XXXX 2015, I was given a Grace Period for my other loans because I was facing financial difficulties. I was advised to continue to make small payments. I continued to make payments as advised. My problems with XXXX XXXX XXXX XXXX XXXX started when I sent my XXXX payment prior to receiving their bill. I noticed a late fee charge on my next bill and contacted them immediately. I explained what happened and requested they remove the late charge. The last time I called, their representative XXXX XXXX in XXXX, he insulted and hung up on me when I requested to speak to a Supervisor. I continued to make payments monthly as they continued to increase the late payment charge. There is a discrepancy between my account and the payments I have made. I got a " Second Notice Past Due Payment '' letter today. I never got any previous letter from them notifying me of any past due payment. Your Agency is my last resort to resolve this. I would like a record of all the payments I have made to them. It is my considered opinion that they are overcharging me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Larry H. Miller Group of Companies
State: NM

Complaint narrative:
On XXXX XXXX, 2016, I contacted XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX NM XXXX. Through their website I applied for an auto loan for a used car. A short time later I received a call from XXXX XXXX. XXXX said he was employed in the Finance department at XXXX XXXX XXXX XXXX. He said " You 're approved for an auto loan '' with us. He mentioned payment amounts with a wide range. Since I had not yet specified a vehicle, I could not figure out how he could quote me payment amounts. Regardless, I told him I would review the financing offer, continue looking at this inventory, and let him know. 
After several hours when I had not gotten the financing offer, I reached out to XXXX XXXX again via email to find out what the delay was. I received no answer. The next day when I still had gotten nothing, I reached out to my salesperson, XXXX regarding the financing offer. She responded that she would have XXXX XXXX send me the correct info. He did n't. Since the date on which I applied for credit, and today, its ' been more than 10 days. During that time I have requested the specifics on the financing no less than 12 times!!! I have asked verbally on the phone, via email from both XXXX and XXXX and via their chat service. As of now I have NEVER gotten anything verbally or in writing to tell me what the results of my application for an auto loan was. As of this morning I have stopped trying to obtain this information from the dealer and have elected to file complaints regarding their deceptive and illegal financing practices. As far as I am aware, whenever a consumer in the USA applies for credit, they are to be provided, upon request, the information related to the outcome of the application. If denied, there must be a way to request the reason for the denial. If approved, the consumer must be provided with the information to make an informed decision, i.e. interest rates, financing company, additional fees if any, etc. NONE of that information has been provided despite more than a dozen requests to do so. 

Please feel free to contact me for any additional questions or info you need to move forward with this complaint. I can provide copies of the emails we have exchanged back and forth with my numerous unanswered requests for information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: CA

Complaint narrative:
I Left service provider XXXX XXXX XXXX, I left within the 30 days I had right to cancel within 30 days for a full refund provided I also turned back in the phones. I had canceled before the 30 days, and now I am being charged an early termination fee. I also turned in all the cell phones back to this provider, and I am still being charged I was sent to collections. This is invalid.

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 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I received a letter for a collection attorney trying to collect a debt that is to old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: FX Quick Cash, LLC
State: TX

Complaint narrative:
They call around XXXX and wake our kids up, they start calling at around XXXX and they call every 15-30min. Its been going on for roughly 6months

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending
State: CA

Complaint narrative:
I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

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 2016-09-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I failed to pay my car loan. Thought I paid on line but must have clicked wrong button. Money in checking for car loan was spent ; mixed together with tax refund. 
I understand that I need to pay and appreciate the loan but received a notice that my car will be repossessed if I do not pay within 10 days. 
I feel that after paying on a loan for 4 years a 10 day notice that they will take my car is extreme and unethical. 
This was my XXXX notice of repossessing my car and after 3 days for mail delivery I now have seven days. 
I contacted Chase on line yesterday and my message was transferred to another department ; no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello, I was charged interest despite playing all amounts in full. I did n't realize that my interest free period was expired on XXXX, but automatic payments happen at end of the billing cycle. 

This is an unintentional mistake, please waive my interest amount just for this time. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I graduated from the University of XXXX XXXX in XX/XX/XXXX and consolidated my loans with Nelnet. I now make payment for the private portion of my loans to Firstmark Services and Nelnet for the Federal. ( I believe they 're one in te same ) I was to receive a 1.00 % interest rate reduction after 48 months of ontime payments for my private loan. I was to receive a reduction to my federal loans also which I finally received after fighting them on it! I have always made on payment for both loans. For some reason they are saying that for my XXXX/XXXX/XXXX payment it was received on XXXX/XXXX/XXXX and therefore late and I do n't qualify for the private loan discount. They changed my due date a few times throughout the period. I do n't understand why I qualify for one and not the other? Most Likely because it was originally a {$61000.00} loan and they collect more Interest. If you look at my repayment history you will see I have been very diligent about payments. In fact I 've never missed a payment on anything in my life! Especially this loan. After over 11 years of payments my balance is only down to {$44000.00}!!! I feel completely cheated that they wo n't honor the interest rate discount. They wo n't provide me with proof of the payment invoice showing the date. The payment was made electronically. I need help resolving this matter. I feel taken advantage of by this lender.

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: TX

Complaint narrative:
As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: MS

Complaint narrative:
I am the sister-in-law of an individual. I am completely unaware of his finances and do not speak to him regarding financial matters. 
I have been called twice by an organization named Worldwide Asset Services using the name XXXX XXXX on XXXX XXXX, 2016 and providing no name at all on XX/XX/2016. The individual indicated that a individual with my brother in law 's name was a defendant in a potential civil suit and requested his contact information. I am unwilling to provide contact information for my brother-in-law and when I so stated, the individual on the phone accused me of being, " uncooperative. '' When I objected to his aggressive tone he stated " I am absolutely being aggressive. '' I have no way of knowing if the individual I am related to by marriage is the individual they are seeking or even if they are a real company. I do know that I am not a party to any business relationship with this company. I do not want to receive any more communication from this company. 
The XXXX phone numbers the calls sourced from are XXXX and XXXX. 
On both occaisions I have insisted that they not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.

Company response to consumer: Closed with non-monetary relief