vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I recently signed up for an American Express card. I have a screenshot of the details of the offer which was receive XXXX membership rewards points after making {$3000.00} in purchases in the first 3 months. I spent over {$4000.00} in less than 3 months and AMEX will not release my membership rewards points. They 've informed me multiple times over the phone that there is a 8 week holding period before these points are released, despite saying nothing about this in the terms and conditions. Today is the end of that eight weeks and they are still holding my points. This feels like false advertising to me. I 'd like to open a complaint against AMEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I constantly keep getting collection notifications in the mail in referencing a debt that was satisfied prior to the collection documentation began. I have contacted the original debtors whom confirmed the debt was satisfied ( attached receipt ). However, I still receive collection and demand of payment letters from the original debtor and collection agency ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Identity theft, withdraws from my personal XXXX XXXX Account, using my identity in another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was informed that the sale date of my home was XXXX XXXX, 2016. I received XXXX letters and a statement to call Chase Bank. I spoke with a representative named XXXX. She informed me that the sale was put on hold on XXXX XXXX, 2016. Also, she told me what forms I needed to send in to complete my loan modification. She told me to call the attorney office XXXX XXXX for assurance that the sale was put on hold. When I called a representative informed me that they did not receive that information and they had a sale date of XXXX XXXX, 2016. I called this morning to see if my faxed documents were received and they informed me that they have not received my fax which i sent on XXXX XXXX, 2016. In addition the representative XXXX informed me that my file is inactive and that they are required to let me know that when it 's 2-3 weeks out from sale date there 's nothing they can do to assist me. He stated that he does n't know where the representative XXXX got her information from. My customer assistance specialist XXXX XXXX has n't been available to talk with me on both occasions. I have been given false and or misleading information, as well as deception. I feel as if my rights have been violated and security of my personal information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Credit Card with Case. Recently they have been an inaccurate late payment fee listed on my account that has caused my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
They are calling for someone I have never heard of and wo n't stop calling. 

They often disconnect the line after I answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Reported delinquent on my student loans for several months while I was in deferment in school. They have also submitted a claim to my bankruptcy court for payment and they refuse to take it back because they want my trustee to give them my assets even though I do no have a patent due. This seems very unethical to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC
State: NM

Complaint narrative:
We had a vehicle loan charged off in 2009. The loan company Iis inaccurately reporting this on our credit report. They arecontinuing to show this as a current loan and are inaccuratelyreporting the balance that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
JP Morgan Chase entered into a Cash-for-keys agreement with me and I feel has now defaulted on our agreement and refuses to forward funds to me that were promised in our agreement. I feel that their representative misrepresented the facts of the case and I need a successful resolution to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I secured a Chase XXXX card for an immediate family member with mental issues. He lives eleven hours away from me and has been stranded a couple of times. I wanted him to have an emergency credit card with a {$300.00} credit limit knowing that he was unable to responsibly handle a higher limit. On XXXX XXXX, 2016, I checked on line and discovered that he had charged {$360.00}. I immediately called Chase and was told that they allowed some overages as a courtesy, and I was told that my family member could not charge anymore until the card owner made payments that brought the balance to under the {$300.00} limit. Therefore, I did n't check online again until XXXX XXXX, 2016, when a got a text alert that the card had been used again. When I checked the balance on my {$300.00} credit limit card, it was now {$1000.00} including pending charges! I immediately called Chase again, and I was told that, at their discretion, they could allow charges " somewhat '' over the credit limit! This was over three times the credit limit not to mention that their discretion does n't matter to me for I am the customer, and it was my discretion to limit this card to {$300.00}. They did not fulfill their obligation. In addition, I have a text alert set up to notify me if the balance ever exceeded {$500.00}. I received no text. Again, they did not fulfill their obligation. I should not have to pay any charges over the {$300.00} credit limit and want to file a formal complaint against Chase. Setting up a credit limit of {$300.00} gave me financial security but, at their discretion, if Chase can approve charges 3 times that, what 's the point in having a credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have advised Chase on a few occasions that I do not wish to receive any contact from XXXX, every time I speak to them I have a headache. For health reasons, I ca n't have any contact with XXXX. I do not have a good view of this company and I wish there was a thorough investigation of this company. There are numerous complaints against them online with the same complaints about them giving out inconsistent information. I have filed a complaint against them in Illinois due to them collectiong on student loans from XXXX XXXX XXXX ( XXXX does not have own these loans ), they have to proof that they actually own the rights to collect on this debt which they did not provide to them at anytime. My due date was changed from XXXX to the XXXX without me knowing that. The XXXX does not work for me and all of the other loans are due on the XXXX. Why is my due date being changed, I went through this issue before and Chase did correct that issue. I need my date changed to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: IQOR US INC
State: IL

Complaint narrative:
Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response

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 non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing about the privacy notice I received along with my new Chase credit card. The notice informs me that I have the right to " limit '' the personal information about me that Chase shares with its affiliates and non affiliates. My concern is that the document never defines what it means by " limiting '' the information it shares. What does it mean to limit sharing? How much of my personal data will still be shared if I opt in to limit sharing? Given the language is so vague I am assuming they are still sharing some information about me with these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went through a divorce and fell behind on my mortgage with Chase. My home is also my business XXXX out of my home and have for XXXX years. They agreed to do a modification & started modification in XX/XX/XXXX in the event my ex-husband quit claimed off. He refused and I had to hire an attorney to force him to quit claim off since I was awarded the home in the divorce. Chase filled a NOD on XX/XX/XXXX all the while telling me everything would be fine once the quit claim was recorded. Quit claim was recorded XX/XX/XXXX I immediately sent them a copy & they asked for updated papers & sent those too. Time goes by I check in they say its in review. For months this went on. Review, Review, Review!! They filled a NOS XX/XX/XXXX and told it 's fine not to worry. This is dual Tracking in California. On XX/XX/XXXX they sent me documents telling me I do not qualify for a modification & my options are Short Sale or Reinstate & letter has to be sent by XX/XX/XXXX. Giving me no time to move my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The Amazon rewards credit card requests me to pay an annual membership fee of XXXX By XX/XX/XXXX, I phoned it, saying that I ' d rather cancel my account than pay the annual membership fee. But the Amazon rewards credit card, every month, still requests me to pay. Now I am asked to pay annual membership fee + late fee + interests, totally XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a voicemail on Thursday from XXXX in fraud services. I called back with the extension she left on Thursday, Friday and Monday and left a message. No return. Today I called and left a message at a different extension for XXXX XXXX and no return call. The account is fraudulent and no surprise I have such a hard time getting info from them when they can not return the call. They have not provided me any validation with my signature after multiple requests through certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a ATM deposit on XXXX XXXX at the chase bank atm located on XXXX XXXX XXXX, XXXX Tx XXXX, ATM # XXXX. The ATM experienced a technical problem, and I was not able to see if my deposit was successful or not, and a receipt was printed to me with a number to call. 
I called the number and they filled a claim and asked me to wait 72 hours, after that, I was told that the claim was denied and there is nothing to do. 
I filled for a police report and with that, they made a second investigation but it was denied again. Since then, I am trying to get to my money to pay my rent, which is already pass the due date. 
I am now filling this complaint because there is nothing now my bank want to do to help me and I do not know anywhere else I can go. 
thanks for the comprehensionXXXX XXXX XXXX XXXX XXXXPHONE NUMBER XXXX : XXXXXXXXXXXX have attached my DL Id, the ATM receipt, the police report and the email I have received from chanse bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH CHASE MANHATTAN MORTGAGE LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO XXXX XXXX XXXX LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am trying to settle my private student loans with chase for the original amounts that I had taken out for school. I took out XXXX student loans with Chase Bank, both for {$40000.00}. I want to settle for {$80000.00} paying back the full amounts taken out and they will not accept and will not give me a reason why nor a contact number to talk. XXXX now services the loan and will not help and Chase is not helping either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request, my husband an authorized user went to a branch, and the branch manager stated we should hear back in XXXX48hours. I called Chase, 24 hours later, and after confirming many answers, was told to wait XXXX48 hours. Subsequently, another 48hours later, I spoke to a Fraud supervisor, and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end, or a method to the means. I applied online, I receive a card, and then without asking me ( although I answered many security questions Chase deemed this application as fraudulent ). They are not telling me why? Is this an abuse, by accusing me of doing a fraudulent application when I did apply and verify? Now the Fraud supervisor says the Recovery Department will call me in XXXX10 business days. Also, I have made valid charges, which if not paid can affect my credit, and I have no way of paying it.

Company response to consumer: Closed with explanation