vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
First Started with XXXX and into about mid term realized that XXXX was charging {$600.00} /credit hr when supposed to charge {$360.00} /credit hr out of state tuition. When I challenged them on this and threaten contact XXXX and stop [ the loan they told me I could not do that. The Department of education abolish my loan and would not be able to borrow any money for other collages. I have to continue with XXXX. Well XXXX Said they would correct the tuition charges. They never did. They kept charging me what ever they wanted. I was earning XXXX degree in XXXX. Then when XXXX got into trouble my loan was transfered over to Navient. I contacted them about the over charge that XXXX was doing. They told me that it was nothing they could do take it up with XXXX. Ok here is something else. When I took on this loan Subidized and un-subsidized loan interest rates where 2.8 % and 3.8 %. XXXX overchaged me {$58000.00} for a XXXX degree and Navient would not help me fix this and also the interest rates are now jacked up to 6.8 % and my loan is running away because each year Navient jerks me around on the IDR processs and put me in forbearance and told me I could not pay anything while the interest piles up. 3 year ago my loan was just over {$57000.00}. 3 tears later is now {$65000.00} that is {$8000.00} every 3 years interest? Something is not right with XXXX, XXXX or Navient. PLease contact me for more info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: DHI Mortgage Company
State: CA

Complaint narrative:
A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had XXXX credit cards with Chase Bank that they closed. The credit cards are in good standing Chase closed them for some fraudulent reason, but that is n't the problem I have, I do n't care that Chase closed the accounts, what I do care about is that I have discovered multiple fraudulent charges on my Chase XXXX card and my Chase Freedom card, and Chase has refused to discuss the fraudulent charges with me. I have called and even spoken to supervisors, and they have refused to assist me with the fraudulent charges. I have faxed over copies of the fraudulent charges and Chase has refused to do anything about it. I have mailed copies of the fraudulent charges to where I was instructed to mail them, and Chase still has refused to do anything about the fraudulent charges. Chase Bank has told me that they will not do anything about the fraudulent charges since they closed the accounts. They have told me that I had no choice but to pay the fraudulent charges and that if I did not pay the fraudulent charges they would ruin my credit. I have been threatened and been demanded to pay charges that I did not make and that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I submitted a complaint to the XXXX and Chase corporate and have not received a response. On XXXX XXXX, XXXX I went to a Chase branch on XXXX XXXX XXXX, XXXX NJ XXXX. I had a coupon that offered a {$300.00} bonus if I open a Chase Total Checking Account and set up a direct deposit. The relationship banker, XXXX, that was helping me did not mention until she was done setting up the account that I 'm not eligible for the coupon until XX/XX/XXXX. I guess she wanted her commission badly because she promised to apply a code XX/XX/XXXX if I call her with another coupon. The XXXX was a XXXX and XX/XX/XXXX and XX/XX/XXXX was a weekend. I called the branch on XXXX and XXXX but XXXX was n't there. I finally caught her on XX/XX/XXXX where she was with a client and promised to call me back but never did. On XX/XX/XXXX I called again and she tried to apply my coupon. She told me that the system was n't recognizing it when I know it was a real coupon sealed, unopened and was originally from Chase. She said she would call corporate for help and call me back. She never did. I believe that I was tricked into opening an account at Chase because I never intended to have an account and was only hoping for the bonus. I do n't think Chase has the right to offer false bonuses to lure in customers. Moreover the relationship banker should have told me that I 'm not eligible for the bonus before opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited {$800.00} cash into a Chase bank ATM, where I have an account, on XXXX/XXXX/15 at XXXX. I received a receipt that said the ATM has experienced a technical problem and to go into the branch. I did that and was told they did not know where the money was and that they needed to file a claim and they would be in touch. I did n't want to leave the bank not knowing where my money was so I said that was n't good enough. I said I wanted to close my accounts and withdraw my money. In the meantime, the branch manager XXXX XXXX was glaring at me over the glass, so I asked her what she was looking at. She then walked over and told the employee I was working with that she did n't need to deal with me and to call security. We both looked at her like she was nuts, and I asked her why would she call security when i just wanted to withdraw my money. She then instructed her employees to walk away from me and leave me in the cube and not tend to my request. She then told me she was calling the police. I do n't know if she did, but they never came and neither did security. I then called the XXXX number on the card and was told the {$800.00} credit was pending and they were going to investigate the deposit and find out where it was and the phone rep said I could leave the bank, which I did, and that she was escalating it to their executive team based on the behavior of the branch manager. 

Thursday, XXXX XXXX, rolls around and I attempt to use my visa check card at a vendor and it is declined. I attempt to do it again on Friday, XXXX XXXX, and declined again. I call the bank and am told that the account is on hold due to 'fraudulent ' activity. I received NO notification from the bank and have no idea what this is about. I walk into the same branch and ask them, they send me to a banker who tells me that the bank has elected to close my account but the money is frozen due to the claim I made on Monday and the funds will be sent to me via check ON OR AFTER XXXX XXXX!!!! 

I called the executive office where I filed the initial complaint and reiterated my dismay at being retaliated against by the bank. I had REQUESTED TO CLOSE THE ACCOUNT on Monday and was DENIED the ability to do that. Now they close it and FREEZE access to all of my money??? I have {$2.00} in my wallet and no access to my money. 

I want to file a complaint against this bank for harassment, unfair treatment, and STEALING MY MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I walked into the branch to exchange a {$10.00} bill for a roll of quarters. The teller asked for my account information. I asked why they needed that, a manager stated that she recognized me and that we had had this issue before. And I stated that I had yet to receive a reason for why exchange legal tender into quarters required collection of my account information. She stated that it was required by the " Bank Secrecy 's Act ''. I told her that that Act was about amounts in excess of {$10000.00}. She stated that " no, that was covered by the Currency and Foreign Transactions Act which unknown to her that this act is also known as the Bank Secrecy 's Act. She then stated that it was Chase 's Policy to collect this information. When I asked for a copy of the policy, she was unable to provide it to me. When i contacted Corporate Executive Communications, the representative there referred me to the Deposit Account Agreement. I read thoroughly the DPA and there is nothing stating that I am required to provide my account information to change a {$10.00} bill for quarters. I find it personally offensive to have to provide my account information in order to conduct a simple small monetary transaction. If Chase or the government has such a policy, I would like to know the reference for this policy and the rationale for initiating such a policy. It is obvious that Chase 's bank personnel are unable to explain the rationale for what I consider an invasion of my privacy. More importantly, the personnel stated that if a non-account holder came in to request the same transaction, they would be turned away. As a publicly traded and regulated company, I am sure that there are some laws or regulation that prohibit Chase company from discriminating between account holders and non-account holders in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMorgan Chase Bank , N.A . first had my student loan account. Recently, the servicing for my loan was transferred to XXXX. I have had automatic debit for the lifetime of the loan. A letter was sent informing me that XXXX would service my loan and my information from direct debit would be transferred to XXXX. XXXX successfully withdrew my payment for the last few months. I recently received a letter instructing me to update my direct debit information online with XXXX to avoid any issues. As instructed, I went into the AES website and updated my information. Today I received a letter from XXXX XXXX informing me that JPMorgan Chase Bank , N.A . has referred my account to collections because it is 14 days past due. Again, I have never been delinquent. I have always been a direct debit client. Even if I HAD been delinquent, what sort of company refers an account to collections after 14 days without first informing the client that they have missed a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Breit Law Office, P.C.
State: SD

Complaint narrative:
I do not remember this debt and, have been the victim of ID Theft twice. ( Police Reports are on file ). A Debt Collection Attorney contacted me, I responded in the allotted time and requested information on the debt. The only thing I received was, " Provide Proof of your Social Security Benefits ''. So, I do not know anything about this debt. We have debt. My wife is XXXX. Why this attorney wanted my social security information is beyond me as it can not be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Advantage LNS Inc.
State: DC

Complaint narrative:
Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. 

XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. 

I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 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:
We went to XXXX XXXX 4 years ago and paid in full. Collection Consultants of California are demanding {$490.00} and this is incorrect and not true. They wo n't answer their phones.

Company response to consumer: Closed with explanation