vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I paid off a medical debt from XXXX Hospital on XXXX XXXX, 2016 through a collector, XXXX XXXX XXXX XXXX XXXX XXXX. The settlement terms were that the " hospital and the patient release each other from all claims related to the charges for the above referenced account. '' This was for settlement in full. On XXXX XXXX, 2016, I was contacted by mail by Capio Partners that I still had a balance due on this same account with XXXX Hospital. Both Capio and XXXX said it was a mistake and my balance is {$0.00}. If I was an older lady, perhaps with XXXX, and the threat that my credit report may be effected, I might have paid this! It very shady and deceptive collection practices on both Capio and XXXX Medical Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I made my last payment to Wilshire Consumer Credit on XXXX/XXXX/XXXX in the amount of {$120.00}. 
Web site reflects the payment as well as a XXXX balance. I contacted them today at about XXXX pdt and inquired as to the status of when the title is to be released back to me. Attendant stated that due to the payment not being made via certified funds that I did not follow instructions of which i was never notified of such. I stated that the payment cleared my account on XXXX/XXXX/XXXX however she did not care to listen. I just want the title back. These folks are the most UN-professional and certainly should not be allowed to be in business. 

Several months back i also brought up the following to them : XXXX XXXX, XXXX CONSUMER FINANCIAL PROTECTION BUREAU ORDERS INDIRECT AUTO FINANCE COMPANY TO PROVIDE CONSUMERS XXXX IN RELIEF FOR ILLEGAL DEBT COLLECTION TACTICS Westlake Services and Wilshire Consumer Credit Pressured Borrowers with Illegal Threats and Phony Caller IDs I mentioned to them that they were supposed to issue refunds or credits against accounts. However was told that i was not eligible. Which seems odd. 

Bottom line is i want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Target national bank has enter an account that 's not mines for XXXX and it 's damaging my credit. I never had an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had XXXX chase credit cards that I paid on time for years and then I had a XXXX incident that caused me to lose my income for 21 months and then only received a fraction of my pay from an insurance policy due to my XXXX leaving me totally XXXX. I was unable to pay chase per our agreement and the account became charged off. I received a letter and a XXXX from chase in 2014 saying my account was written off and I paid taxes on the amount owed per the XXXX. Chase also reduced its tax liability by counting my account as a bad debt and saved paying Corp income tax on the amount I owed them. My problem is that chase still reports every month to all XXXX credit angencys that I owe them money that is not true and my credit score is being reduced by XXXX XXXX points due to this vindictive policy. I am unable to buy a house, send my daughter to college or buy a car due to this reporting of a settled debt as not settled and currently late which is not true. I called chase offering to give them money if they would correct there error and they refused my offer and said even if I paid that they would not reverse the XXXX. I believe that would be a violation of tax law. Any help you can provide would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase violated and continues to violate, with impunity, both Regulation Z and XXXX Banking code. 
Chase claimed on XXXX XXXX, 2016 that they received a dispute claim on XXXX XXXX, 2016 and a fraud claim on XXXX XXXX, 2016. It is worth noting the neither banking law or regulation Z make any distinction between the XXXX. 

On XXXX XXXX, XXXX Chase claimed that the cardholder called them about a fraud claim, this is false. Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, 2016 again Chase falsely claimed that the cardholder called them, again Chase Chase initiated dunning calls, another violation of banking laws and Regulation Z. If chase conceded they received a billing error notification, they are not allowed to try to collect the debt. 

On XXXX XXXX, Chase alleged the letter of XXXX XXXX, 2016, received on XXXX XXXX, 2016 was insufficient, yet Chase made no attempt to speak to the cardholder to clarify any purported misunderstandings. Chase also claimed, correctly, that letter was set to the wrong address, however, this defense had not been raised before and the USPS did deliver the letter to Chase and Chase did sign for the letter on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: CA

Complaint narrative:
The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CA

Complaint narrative:
I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I sent two requests to this company requesting they provide verification of this debt. Each response provided does not provide the requested documents needed to confirm this is in fact my debt. In fact their last communication accused me of submitting a frivolous request when this company has the obligation to validate this debt I say I owe. I am making a request that is within my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Hello, Recently I noticed a debt for collection on my credit report that is not mine. It states that the original creditor was XXXX. I have several current and closed accounts with XXXX and I do n't have one in collection or have I ever had one in collection. I am unsure on whom I should contact as the account number is not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
i do not know where this debt originally occurred, and have no knowledge of the XXXX, and any of there products. i do not know how this got on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. UNITED REVENUE CORP has a collection account placed on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: TX

Complaint narrative:
I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: PA

Complaint narrative:
They call repeatedly during work hours but my attempts to reach them just take me to voicemail. I want a number to call a person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about {$76000.00} in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about {$6000.00} in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
I borrowed {$1200.00}. to help with funeral expenses for my mother. I was not informed of the 600 % plus interest rate on the loan. To date they have deducted {$2100.00} from my account and seek a repayment amount of {$7200.00} on a {$1200.00} loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I was emailed a disclosure to sign and that my signature would transfer to the loan agreement upon signing. I was able view the agreement with my signature after the funds were in my acct. I 've attempted to pay the full balance but was quoted an even larger immediate payoff than discussed. I later discovered that Myloansite.com is an affiliate of Dakota which operates its website at [ myloansite.com ]. Dakota 's lists its contact information as : MyLoanSite.com XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX XXXXXXXXXXXX XXXX

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 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Webcollex, LLC
State: CA

Complaint narrative:
I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling 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 2016-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have been attempting to get the promissory note for my consolidated loan ( done in 2005 ) since XX/XX/XXXX. For about a month, Nelnet claimed to have no information on my loan and no promissory note. I called almost daily. People would promise to look into the case and then not call back. I would ask to speak to a supervisor and instead get put to the main menu. When I would call back, there would be no documentation of my previous calls and I would have to start over. Finally, someone found my promissory note but the first XXXX pages were missing of the promissory note. Nelnet claims this is not their problem and blames Department of Education for not sending it to them. 

I need the promissory note as I have qualified for loan repayment from the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX said that if the first XXXX pages of my promissory note can not be found, I can submit a letter from Nelnet stating what loans ( type, amount, date ) that were including in my consolidation. Nelnet refuses to write the letter since they did not consolidate the loan, even though the government branch that consolidated the loan no longer exists. Nelnet said they can see the information about what loans went into my consolidation but will not put it in a letter. On my insistence, they have sent it to their legal department to review but said that just the review would take weeks and that they will not send the letter anyways. 

I have been working with the Onbudsman Group and XXXX XXXX XXXX, who both state Nelnet should provide the letter and should have the full promissory note. Due to Nelnet 's poor customer service and negligence, I will lose my chance for loan repayment ( & gt ; {$200000.00} ).

Company response to consumer: Closed with explanation