vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX Hospital XXXX MO bill for services on XX/XX/XXXX and XX/XX/XXXX was sent for collection to AMCOL Systems on XX/XX/XXXX. XXXX XXXX XXXX. XXXX SC XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX AMCOL collected a monthly fee of {$4.00} with the {$20.00} payment in violation of XX/XX/XXXX Missouri Revised Statutes Title XXVI Trade and Commerce Chapter 408 Legal Tender and Interest Section 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. Complete debt information was not provided in the original letter. 

" Universal Citation : MO Rev Stat 408.096. 

Loan arrangement, excess fee prohibited for certain transactions -- penalty.

408.096. No person, firm or corporation shall receive or impose any fee or charge, other than one expressly provided for by statute, for arranging credit in the amount of XXXX XXXX dollars or less the proceeds of which are intended to be used by the borrower primarily for personal, family or household purposes. Any contract evidencing such excess fee or charge and any note evidencing credit so arranged is void. Any person, firm or corporation who receives or imposes a fee or charge prohibited by this section is guilty of a class B misdemeanor. 

( L. 1979 S.B. 305 ) Annotation Copyright Missouri Joint Committee on Legislative Research ''  XXXX XXXX XXXX This statute affects the Missouri Fair Debt Collection Practices Act. 

Representatives XXXX XXXX and XXXX, Supervisor XXXX, and Cheif Financial Officer XXXX XXXX refused to send documentation of amount owed and the amount paid. Returned call on XX/XX/XXXX XXXX read a letter from XXXX XXXX claimed that they are a payment collection service, not a debt collector. XXXX refused to send physical copy of XXXX XXXX 's statement, physical copy of amount owned and list of all of my payments. Said the fee was for debit and credit card collection and mailed in payments were free. Would not send a physical copy of the terms of collection. 

From XXXX XXXX XXXX " Validating the Debt Within five days after contacting a debtor about paying a debt, the collector must send a written notice that includes : the name of the creditor and the amount of debt ; that the debt will be assumed to be valid unless disputed within 30 days. If disputed, the collector will verify it and send a copy of the verification or of a judgment against the consumer. 

During a period when a debt is being verified, the collector may not attempt to obtain payment. 

Unfair Practices : Debt collectors may not engage in unfair practices such as : collecting any amount greater than your debt, unless allowed by law ; making you accept collect calls or pay for telegrams ; depositing a post-dated check prematurely. '' Source : Missouri Division of Finance Consumer Credit Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Senior Counsel/Consumer Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: VA

Complaint narrative:
Initially contacted them via a recommendation from XXXX XXXX. I first contacted them on XX/XX/XXXX. Today is XX/XX/XXXX and this was the last straw. It has been almost 3 months and we still have n't closed. 
I took the day off today to await a notary that was never going to show because XXXX XXXX never contacted me for 5 days to let me know the notary was not available. So now they are rescheduling the notary again after I was told they would be available last Thursday or Friday which I found odd seeing as how it was XXXX. On Friday I was told they would be available today. After waiting 30 minutes past the scheduled appointment time I reached out to XXXX to find out who the notary was. It was then I was told the notary would not be available today. 
Granted I got XXXX XXXX by the VA Loan Appraiser and that took forever to resolve, only to get the same lower appraisal than last year even though the market had gone up 10 %. It took repeated emails and calls to get any information and the communication back was less than customer oriented. 
I had to take a day off to wait for this no-show notary and I requested them to reimburse me the {$560.00} it cost me to take off for the day. I was offered initially 0.125 % lender credit of the loan value ( {$220000.00} ) which is about {$280.00}. XXXX said he would bump the credit up to equal the {$560.00} it cost me today. I do not trust that to happen but will wait and see. 
I was told in each previous month I would n't need to pay for my XX/XX/XXXX or XX/XX/XXXX mortgages because we would be closed before they were due. Glad I did n't follow their advice and continued to pay my mortgages when the refi closing dates kept slipping.

I can not emphasize enough how much to avoid this company at all costs. Do NOT get any type of loan from Homeside Financial, even if it is a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
Called on XX/XX/XXXX to tell Sallie Mae that I had recently lost my job and would not be able to make payments for a month or two on my interest payments. Told them that I would be starting a new job soon but would like to alert them and delay payment for the next month or two. Was told that there was no way to delay interest payments and was actually made to pay " good faith '' money in order to stop making payments for one month. Have still been charged interest payments and getting calls that I need to make interest payment despite having told them that I would not be able to make an interest payment for a month or two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
see attacked letter of issues and problems sent to threes different collection agency. 
each collection agency and XXXX don '' t address the problem when recieving the letter. 
they pass to another collection agency and nothing get resolved. I 'm a XXXX year old Senior XXXX XXXX who took my time out of my busy schedule to write this letter explaining in details and problems I had w the account.

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
The Discover Bank sold me ( and thousands others ) a checking product called their " Cashback Checking '' account. The primary selling points of this account was called XX/XX/XXXX. The account holder would earn XXXX cents for each of the following transactions ; a cleared check, an online bill payment, or a debit card transaction. These selling points were the reason I opened the account in the first place. 

In the last month or so, I started receiving correspondence from Discover Bank that they were restructuring the Cashback Rewards program. The letters and emails read that they would pay 1 % cashback on debit card purchases instead of XXXX cents per transaction. Just yesterday I received an email stating in the fine print that not only were they changing the debit card portion, but the entire XX/XX/XXXX program will be discontinued beginning XX/XX/XXXX. I will no longer earn a dime when I write a check or do an online bill payment. 

I am furious at Discover Bank for pulling a bait and switch on me. They tout their new program as better because it has a higher monthly rewards cap of {$30.00} instead of {$10.00}. I do n't care about that. With the way I 've structured my spending, this change will greatly work to my detriment in the rewards I earn. They are fundamentally changing terms of what I agreed to. 

I called Discover Bank customer service to voice my complaints and find out if I could opt out of the new program and keep the terms I agreed to. They thanked me for calling and said they would file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

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 2017-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am currently fighting a court case in VA with Land Or Timeshare. The court date is onXX/XX/XXXXwhich a month away. Some paperwork was sent from VA from a court clerk with the court date of XX/XX/XXXX to Chase bank requesting to hold XXXX, Chase froze XXXX from both my checking and saving plus a hold of XXXX dollars which they could not explain what that was for when I went to the bank on XX/XX/XXXX. Prior to going to the bank I spoke to a representative from the court orders and levies department explaining to this gentleman that in the state of Texas, a creditor can not garnish anyone 's account unless its a federal garnishment, for example child support, taxes, student loans etc. I also asked if the legal department was contacted about this matter. According to the chase rep, he did have to confer with the legal dept and chase had to honor the garnishment because they did business in VA. I 'm not sure if this company makes its own laws. This is the second time they put a hold on my account. the first time my husband deposited a check for XXXX dollars from his business account which was also with Chase they put a hold on my account even though my husband and I was at the bank together at the time of the deposit, at the teller together. They also called my husband while we were still at the bank and he verified that he made the deposit. Myself and my family wants nothing more to do with this company, just release my money. my husband has no problem taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was considering a loan modification with Ocwen Loan Servicing. Once receiving the terms of the proposed loan modification, I decided not to go forward and declined the modification. During the 4 month time frame that Ocwen was working on the terms of the modification I made my regular payments to them on time each month as shown in my payment history. They advised this as it would ensure I continued to meet my contractual obligations. Nevertheless, Ocwen has been reporting me as delinquent to the credit bureaus. I asked them about correcting this multiple times. However, it has still not been corrected. And they continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: KY

Complaint narrative:
I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.

Company response to consumer: Closed with explanation