vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I had a car that I had previously sold that was towed by XXXX XXXX XXXX. I spoke with the company and they informed me that since I had filed out the " Release of Liability '' that the car was no longer mine and that I would not be charged and to ignore the bill that was sent in the mail. I have now received a letter from " Lien Enforcement , Inc that I now owe them money? I have the letter from the DMV showing the release of liability was filled out and processed before the car was towed. I am going to attach this paperwork if the app allows 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 2016-08-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Webcollex, LLC
State: PA

Complaint narrative:
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

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
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
Company - North Shore Agency attempting to collect for a non renewed subscription to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Thursday XXXX XXXX I entered a Chase branch @ XXXX XXXX XXXX New York, XXXX XXXX to make a withdraw from my checking account due a an employer account issue that impeded with a direct deposit not been issued at that date.At which time XXXX checked his terminal and stated that I would qualify for a credit card offer I did stated to him that I had a bankruptcy case XX/XX/XXXX. He still proceded to go ahead with the application. He got the result of my application and stated that I will get a letter in 7-10 days.i received the letter XX/XX/XXXX account declined credit due to Bankurupcy in credit report.THIS IS THE THIRD TIME IN AS MANY YEARS I FELL FOR CHASE HIGH PITCH SELLS TACTICS. I been a Chase Direct deposit ( payroll ) for well over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I disputed a charge with a merchant that sold me counterfeit and defective goods. Chase instructed me to contact XXXX to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted XXXX and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. That was explicitly what I was told via online communication with a XXXX representative. I even reported it to their counterfeit department per XXXX 's instructions. It makes no sense that Chase would side with the merchant when both XXXX and I am saying that the product is not real AND is defective. Throughout all of this, the merchant has not responded to requests for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase received payment for a credit card account that was paid off as part of a second home mortgage. The escrow company sent the payment XX/XX/XXXX with my name and account on the check. Chase continued to send non-payment notices and damaged my credit. I finally got the escrow company to resend the fax of the check.I asked Chase to send a copy of a letter to the credit agency to correct the damage. They did not. In fact, when they did send me documentation that the account had been paid and I was due a balance of {$62.00}, it was in a past due notice format and language but had a credit. Not the first issue with Chase. I leased a card from them and then bought it from them but they kept saying I had the title after the lease was up. A pattern of poor records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/XXXXDear CFPB representative, I received an updated escrow analysis of my Chase mortgage dated XX/XX/XXXX saying that my escrow account is {$1800.00} short. The analysis is erroneous as Chase ommited to include my future montly contribution of {$630.00} for the month of XXXX and XXXX but yet included my future contribution for XX/XX/XXXX and all future contributions for XX/XX/XXXX and XX/XX/XXXX. Chase also included all potential future withdrawals. I circled the omitted XXXX contributions on enclosed page XXXX of the statement. I called them today and spoke with escalation manager XXXX XXXX XXXX, who failed to answer why Chase failed to include XXXX of my potential payments for XX/XX/XXXX and XX/XX/XXXX totaling XXXX {$1200.00}. What Chase is doing is essentially dropping some potential contributions but including all potential payments and is asking me to prepay a lot of money based on a skewed analysis. 

I am afraid that many Chase mortage customers are indeed affected by their faulty analysis. If there are XXXX consumers each being asked to prepay {$1200.00} from a faulty analysis, Chase could be collecting interest free XXXX from their consumers. It took me a while to read their confusing escrow analysis statement and am afraid that many consumers would not have time to do it. 

Thank you for your time, XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a authorized third party on my moms account. i have made her mortgage payments for over the last 2 years. my computer updated tonight and needed to verify it was an authorized computer. I called the help number given on the website, confirmed that i am on all account and asked for the confirmation code to make the payment. i was told that they could not help me as a authorized third party with this issue. I offered to confirm my information as long as hers. But ulitimaly was denied. As an authorized third party I should have access to all information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a mortgage loan with chase that was originally XXXX of the toxic loans from Washington Mutual. I applied for a loan modification from Chase XXXX times. The last time, I started the process in XXXX, the Customer Assistance Specialist kept asking me for more and more papers, and never sent anything to underwriting, finally at the end of XXXX, they sent it to underwriting and the loan was sold to XXXX. It appears a decision was about to be made and everything stop ... Chase told me that XXXX would continue with the information Chase had given them, but that is not true ... I was told by XXXX that I would have to start all over and provide all information again. 
Chase never notified me of the sale and the Customer Assistance Specialist did n't know that the loan was sold. When I called Chase today they gave me the info. 
I feel that a decision would have been reached by Chaseif all my info had been sent to underwriting in a timely mannner and the Customer Assistance Specialist was negligent in getting my info to them. She just kept delaying and delaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My credit score is materially lower due to the fact that the average age of my accounts is misleadingly low. XX/XX/XXXX accounts have an aggregate age of ~8 years ; however, given that my graduate loan account with Nelnet is split into XXXX " accounts '', my aggregate account age is 4.1 years. If these accounts only showed up once ( as I feel is more truthful - XXXX loan provider, for XXXX XXXX degree ), my aggregate account age would be ~5.4 years. This increase, according to XXXX XXXX, would move me from " poor '' to " fair '' in terms of average account age. I would like this to be updated so my credit score does n't reflect a misleadingly low average account age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated from college two years ago with a degree in XXXX XXXX with the hopes of becoming a XXXX. However, because of difficulties with the credentialing process and the state, I graduated with {$120000.00} in student loan debt ( that XXXX XXXX easily supplied to me ) but no teaching credential. So after some rough times I have finally found a steady job working full-time in XXXX at $ XXXX ( rather high for XXXX ). But now after several deferments and forbearance, Navient ( who XXXX XXXX sold my loan to ) has come asking for their money back, now totaling {$130000.00} and are asking for roughly $ XXXX, which is roughly half my paycheck. And I live in XXXX, which already requires a high rent and cost of living, and moving home is n't really an option for me because I am from the XXXX XXXX. 

I 've called Navient several times to try and find a way to extend the term of my loan, renegotiate payments, consolidate all my loans, and see just about any option they have of lowering my monthly payments. But because my loan originally comes from XXXX XXXX, they always say the only option I have is forbearance, which I am running out of. I would like to save some forbearance in case a time comes that I lose all of my income or something drastic happens. After pleading with them they have given me no options. My parents ca n't afford to help me pay that much every month. 

So the only optioned I thought of was to refinance with another bank that would be able to lower my payments. Well, because I have such a high debt to income ratio, no bank will approve a refinance loan. My credit is good. I have a couple missed payments but nothing too major. But I see no way of increasing my income or cutting my costs to the extent of being able to drastically alter my debt ratio to the " acceptable '' point for the banks. And still, after all of this, Navient wo n't negotiate my loans. It has come to the point that I have thought about just not paying my loans back and suffering the consequences, which I would fully do if my mother were n't the cosigner on my loan meaning that defaulting would also wreck her credit. But now I feel like I have no other options left unless it 's taking on odd jobs such as selling XXXX or renting our couch out on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for a Jumbo refinance of the home I have lived in since XXXX to reduce my interest payment amount and consolidate a XXXX with Case Bank. I make XXXX a year and have a 20 % debt to income ratio. 
The underwriting department held corporate debt which is paid by mycompany against my personal income and subsequently after a XXXX monthprocess declined the deal. 
In that time the interest rate went up almost one half a percent. 
During the whole process their private investigation company hitMy wife 's credit report so many times that it dropped her credit scorefrom a XXXX to XXXX in XXXX days. Chase Bank should be appalled at theirincredible incompetence when it comes to accurately reviewing financialInformation correctly. Their Mortgage department is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Issue with Chase Credit Card : For the last week, I had been receiving calls from an unknown number, when I would n't answer they would leave a blank voicemail. On XXXX, I got frustrated and actually picked up the phone and got an automated message from Chase XXXX that my account is XXXX days past due for a charge of {$200.00} of which {$75.00} is late fees? Wait, back up a minute:1. I did n't even know I had a chase card? 
2. After XXXX hour of being transferred from XXXX department to another ( none of which can verify the transactions on my account ), I get hung up on. 
3. So, I call again and after being on the phone for another hour ( transferred from fraud to Collections to Customer service to Credit Bureau ) I am told that there is prime membership charge of {$100.00} from XXXX ( meaning the rest of the XXXX is late fees )? Why XXXX chose to charge it to that card when my default card is XXXX is beyond me. 
In any case, up until today, I did n't even know I had a chase card. What I tried to explain to all the different reps on the phone for XXXX hours ( who were just trying to get a payment out of me ) is that I would be more than happy to pay the charges. BUT, I am not okay with them XXXX my credit. I got NO statements because I was not even aware I had this card. They are playing with my credit that I have worked hard on for XXXX years for {$200.00}? I tried telling them so many times I want to make a payment but save my credit and they will not listen. From asking me to call the credit bureaus to calling USPS they want me to go through that entire ordeal for {$200.00}? Finally I am transferred to XXXX, supervisor in credit research who listens to my situation and agrees that this is not my fault and promises me ( please listen to the call ) that my credit will be fixed and she will remove the negative reporting from my XXXX and call me back on XXXX. I make the payment, and hang up. Today is monday, XXXX and I have still not received a call back. So, I call chase and talk to XXXX, their cbr specialist who tells me that my request was never approved and that i have a XXXX day, XXXX day and XXXX day report on my credit. I am in tears .. My credit score was XXXX, I have worked vry hard for it. I am originally from XXXX and moved here at the age of XXXX and have worked really really hard for it. Please do n't let them ruin this for me. I have NEVER missed a payment in my life and did not reach the XXXX score by missing payments. Need help, please help me save my credit, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.

Company response to consumer: Closed with explanation