vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried to make a charge on my card # XXXX, but my charge was declined. 
on XXXX XXXX, 2015. I called customer service and was told that JP Morgan chas had unilaterally closed this account as well as my other chase credit card account # XXXX. 
When I asked was JP Morgan chase closed my accounts. i did not get any answer from customer service representative XXXX and his supervisor, except that theydecided to do close my accounts. 
XXXX my account were in good standing, not in default. I have always made payments on time. However, Chase had consistently discriminated against me based on racial bias in the past, and I have several current complaints against Chase with Financial Consumer Protection Bureau, I insist that the closure of my accounts by chase was in retaliation for my complaints of racial discrimination against me by chase to the Consumer Finacial Protection Bureau. The closing of my accounts by chase is unlawful retaliation for my complaints to Consumer Financial Protection Bureau and is a violation of federal fair credit act. ON top of that chase had closed my XXXX account XXXX year before its anniversary when they had to provide a free night state certificate for me XXXX. by closing my account now, chase is trying to avoid the expense of providing me with the said certificate. these actions of chase are illega.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I discovered that someone had opened XXXX Chase credit accounts without my knowledge or consent. I 've reached out to Chase, provided them proof in the form of ID theft affidavit, and asked them to provide me with whatever proof they have in claiming the a account is mine, but they refuse to do so. I 'm attaching my last correspondence with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bank XXXX XXXX gave us a XXXX. Loan to purchase XXXX trucks for our trucking co. The loan was paid after bank of XXXX was sold to XXXX XXXX then sold again to Wells Fargo. The loan is paid. XXXX separate lien releases were filed in XXXX. XXXX for the deed of trust, XXXX for the loan. The problem is somewhere in the repurchase of these banks the numbers got transposed? Or XXXX lien releases were filed on same property, but did n't release the deed of trust. We have XXXX working in this for over a year. First case opened in XXXX XXXX, then closed in XXXX XXXX will no resolution. ( XXXX buyers walked last year because of waiting on Wells Fargo to find the problem ) Now this year, we opened a new case in XXXX & it 's been 8 + weeks &! norhing is getting done. We have house sold & buyers are ready to walk again.

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 2015-04-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX XXXX, I could no longer pay my XXXX. In XXXX XXXX, started process towardsshort sales. In XXXX XXXX signed a contract and closedthe short sale on XXXX XXXX, XXXX. Both mortgageswere satisfied at the closing on XXXX XXXX, XXXX. 
( see attached HUD ) Since the closing, I have receivedendless harassing phone calls and constant collectionnotices from Chase Mortgage, as well as, outsideagencies. ( see attached notices from XXXX throughpresent ) There were probably prior collection lettersbut it was only after pulling my credit in XXXX XXXX ( see attached XXXX credit reports verifying paid account ) and verifying that account was satisfied, that I startedkeeping the notices. Some collection notices weresent XXXX overnight with a return overnight envelopeto make a payment. ( those are attached to the letters ) As a financial housing counselor, I found this behaviorto be harassing, degrading, unprofessional, andunethical practices that lead to the violating of theFair Debt Collection Act, as well as, the Fair CreditReporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending
State: CA

Complaint narrative:
I went to XXXX in XXXX, Ca. I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI. 

At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: RI

Complaint narrative:
Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: Cascade Capital, LLC
State: TX

Complaint narrative:
I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
XXXX shows H & R Accounts as Direct Dispute and XXXX does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VT

Complaint narrative:
My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I received a letter for Louisiana Recovery Services , Inc. in reference to a debt from a company called XXXX XXXX XXXX in the amount of {$260.00} with a date of XXXX/XXXX/2005. I have tried communicating with them to provide me with a copy of this bill ( 3 attempts ). I have XXXX over due medical bills with them which I have agreed to pay but they refuse to provide me with a receipt showing payment. The company is as follows : Louisiana Recover Services, IncXXXX XXXX XXXX, XXXX XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: Cascade Capital, LLC
State: DC

Complaint narrative:
I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and Cascade Capital ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from XXXX XXXX XXXX XXXX XXXX, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as Cascade Capital. Cascade Capital is XXXX of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with Cascade Capital. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: FL

Complaint narrative:
I had originally attended XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX, FL XXXX in XX/XX/XXXX of XX/XX/2010, with the intention of pursuing an XXXX in XXXX XXXX, however the program itself was over {$32000.00} i had ended up finishing my degree owing more then {$56000.00} worth of loan of course including the combination of federal and private loans. Currently I am making my payments towards a lending service called Genesis lending of which i owe more than {$12000.00}. Unfortunately my current financial situation is not the best and to make monthly payments is almost difficult. They had promised me a career in Major and the only thing that they were able to give me was a part-time job as a XXXX. In my honest I feel that what that school had to me and many others like me was a great in justice. and now in order for me to continue my education I would have to pay for it out of pocket without any assistance, and to be frank there is no greater tragedy especially for someone of my age who has his whole life ahead of him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: Receivables Performance Management, LLC
State: NY

Complaint narrative:
Receivables Performance Management ( RPM ) LLC is reporting a collections account on my credit reports for the amount of {$550.00}. The original creditor for this debt is XXXX 

In early XXXX 2016, I sent a debt validation letter to RPM. ( Please see attached ). I received a response from RPM dated XXXX XXXX, 2016 which states " Upon completion of our investigation, we do not have sufficient information at this time to make a determination of the dispute. '' ( Please see attached ) I strongly believe that RPM should delete this account from my credit reports. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, RPM has the statutory obligation to provide me with : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM has failed to provide any of the above information. 

As such, I respectfully request the Consumer Financial Protection Bureau to intervene and request RPM to either provide the legal documentation I requested when I sought validation of this debt or remove this account from my credit reports.

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 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending
State: FL

Complaint narrative:
I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation