vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It was a long time ago ... i have spoken to several customer service and upper management whom all have said one thing or another ... But my last call was weird. A supervisor said oh yes i see it was corrected and we will contact the credit report companies ... and literally within the same call moments later he said oh wait all the info is gone ... ( so confusing and i think they messed up and i am still paying for it ... )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Washington Mutual credit card agreement Ceased operations XXXX 2008, being sued for old debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: LA

Complaint narrative:
XXXX XXXX, an agent of PR Associates, XXXX, and Premium Receivables called my employment in an attempt to collect an unknown debt and threatened to send a lawsuit to an old address of mrine. I requested paperwork of said debt, yet he insisted that he could not provide such written hard copy paperwork for detail. Also, XXXX informed me that if I could not furnish a settlement by the end of the month. The lawyers are will notify the local court. He also suggested if I take out a payday loan, that would get me started on my first settlement payment of a debt I have no awareness of. 

The company PR Associates phone number is XXXX. This number usually changes suffixes to bounce around harassing calls as a deceptive way of not being discovered for these unlawful practices of soliciting money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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:
I received an enclosed statement from North Shore Agency with the amount of {$72.00} for a XXXX " transaction '' to my work address. I have not shipped nor sent packages to my work address, or have even sent a package in more than a year. Additionally, the address and my name was incomplete, and was not received until more than a month later. The invoice is incomplete and does not itemize " transactions '' nor is there a phone number in which I can reach NORTH SHORE AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have sent numerous emails and placed many calls to HESSA-NJ class loans about negotiating a feasible payment plan. The loans were taken out for my attendance at XXXX University in XXXX, PA. They wanted XXXX payment per month, but i 'm not able to afford that amount. So i started paying them XXXX per month making an effort to pay what i can afford. Now they are wage garnishing me at XXXX percent each paycheck. With my current income they are collecting XXXX per month. If nj class would simply negotiate this price with me and create a reasonable payment plan, I would pay this amount with no problem. I would even pay XXXX dollars a month, but they wo n't agree to it. Now i am in delinquency and they are taking XXXX dollars per month, which i would pay without a wage garnishment claim. This can be settled in a honest and fair way, without destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: LA

Complaint narrative:
In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Clarfield, Okon, Salomone and Pincus, P.L.
State: PA

Complaint narrative:
I was unemployed in 2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX XXXX XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan. This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding that XXXX XXXX XXXX, XXXX XXXX XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX XXXX XXXX that my loan defaulted and not any fault of my own. I have made multiple attempts to try and get this situation resolved ; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX XXXX XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer 's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: IL

Complaint narrative:
I received a letter from ERS attempting to collect a debt. I replied with a letter on XX/XX/2016 with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the XXXX regarding this matter. I also stated in that complaint that I wanted ERS to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that ERS did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, XXXX XXXX XXXX XXXX, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX XXXX just because he says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NJ

Complaint narrative:
Continuous phone calls every day. Please stop the harassment. May contact me by mail only

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: OH

Complaint narrative:
We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: PA

Complaint narrative:
I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
Chase Receivables keeps calling, I do not owe any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rushmore Service Center, LLC
State: AL

Complaint narrative:
I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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: Focus Holding Company
State: CA

Complaint narrative:
I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.

Company response to consumer: Closed with non-monetary relief