vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
Re PLS prepaid card, and atm use. 

I used my card at ATM. Requested {$130.00}. I was ok with the {$4.00} charge ATM cost, and {$2.00} charge for ATM transactions with PLS debit card use. I accepted and pressed proceed, then, The ATM machine dispensed only {$80.00}, but proceeded to charge the {$4.00} and bank cost of {$2.00}. 

I called the XXXX XXXX, as I was told they own the machine, and was told since I do n't have an account she ca n't refund and to call my card bank. I called my card bank, PLS, and was told they ca n't do anything. 

I am being charged twice, for XXXX requested total. ATM should not charge you if they ca n't dispense the total amount. The card issuing bank should have a process to protect us consumers. I 'm stuck with paying about {$16.00}, to receive XXXX requested total of {$130.00}. My cost should 've remained the roughly {$8.00} not be surprised to roughly {$16.00} due to failure of an ATM. 

I want a refund of the PLS cost of {$2.00} plus {$4.00} ATM cost, just to do the additional transaction in order receive the difference in total I requested of up to {$130.00}. Why should I be stuck paying twice for my XXXX request?

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 monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: The Bureaus, Inc.
State: NC

Complaint narrative:
I contacted The Bureaus to pay off a debt. The person that answered the phone did not tell me her name. She was extremely rude and disrespectful. She said she could not work with me under the circumstances and I asked for the fax number. She said I did n't need the fax number and argued with me when I insisted on having the fax number. Then, before her response was audible, she hung up on me. I called again, and spoke to someone that referred to herself as " XXXX ''. She was also very disrespectful after I told her what the how the other associate had treated me. I asked her for the fax number. She gave it to me and hung up on me. Then, I called back and asked to speak to a Supervisor. " XXXX '' answered again. She told me there was no Supervisor. I asked her how they ran a business without a Supervisor. She asked if she could help me. I asked, " Are you a Supervisor? '' She answered, No. I said, " Then you ca n't help me. I 'd like to speak to a Supervisor. '' She refused. She said that no one was available. I asked her when someone would be available. She asked why I had an attitude. I told her it was because she was refusing to let me speak to a Supervisor. She said, " I already told you no one was available. '' I said, " When will someone be available? '' She said, " Tomorrow morning, '' and then she hung up the phone. 

All I wanted was to pay my debt and they were completely unwilling to work with me. They were rude, disrespectful and they hung up on me a total of four times. They knew who was calling, because I put in my social security number, and the first time they answered, they asked if I was XXXX XXXX. I responded yes. So that tells me that the prompt to enter my social security number immediately told the person that answered the call my name. So, the 2nd and the 3rd time that I called and they hung up on me, that let 's me know that they knew who it was that had called. 

This experience was humiliating and upsetting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mediation Recovery Center
State: GA

Complaint narrative:
I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSH & Associates, LLC
State: OK

Complaint narrative:
RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Maury Cobb, Attorney at Law, LLC
State: MS

Complaint narrative:
Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Inever applied for A Chase credit card that was issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Certified Recovery Inc
State: MN

Complaint narrative:
Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: AL

Complaint narrative:
This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a balance transfer with Chase Freedom and I find it absurd that for automatic payments, there are only XXXX options. Either to pay the balance in full or to make the minimum payment. Where 's the option to pay something in between XXXX automatically XXXX? I 've done balance transfers in the past with Chase and have always had to option to make an automatic payment that would enable me to pay of the balance before the APR went up .This seems like another slick maneuver by the Chase to make it more difficult to pay the balance off in full before the APR is set to go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was off work last year XXXX XXXX months due to illness and unemployment. I have closed both of my Chase credit card accounts and have enrolled into the XXXX XXXX XXXX for both cards. I used the alternate month payment option not being aware that the skipped payments payments would count as 30 and 60 days late on my credit reports. I have contacted Chase, quite angry on several occasions, written to Chase and all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Received unsolicited credit card ready for activation in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank was informed by a relative of mine I would be unavailable for a length of time due to being hospitalized and other events in my my life. They were asked to put a temporary hold on my account because transactions would be presented. All previously agreed upon. Chase ignored the request and let items be presented against my account resulting in profitable fees. Upon my return, I called chase. The Chase bank phone representative told me to please hold. The Chase phone representative seemed to have forgotten to push his mute button on his headset. I over heard his conversation with a co worker as he was expressing that I am a, " XXXX customer and XXXX veteran '' Chase reversed a small portion of the fees later but unfairly refuse to help further more

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

Complaint narrative:
We settled a dispute with Chase regarding a mortgage loan on XX/XX/XXXX. They had n't reported on the loan to the credit bureaus since XX/XX/XXXX. Then, on XX/XX/XXXX, they reported us XXXX days past due. We do not even have a loan anymore with them to pay, yet alone be behind on. This is in clear violation of the Fair Credit Reporting Act, and yet one more malicious act on their part. I contacted Chase 's attorney to request removal and correction ; only to be ignored. This account needs to be reported as closed with a remark as settled for less than full balance per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Alleged mortgage loan debt collection activity pursued by JP Morgan Chase Bank , N.A . Mortgage, XXXX exceeds State of Tennessee statute of limitations and therefore is time-barred from collection. Last payment on record was made on or about XXXX XXXX, 2009. Persistent collection attempts by JP Morgan Chase Bank , N.A . occurring after XXXX years of non-payment violates FDCPA law and State of Tennessee XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed several charges come through on my debit card that i did not notice I called customer support to dispute them as I did not authorize them. 
While disputing these charges the rep found a bunch of older charges that were also charged but under a different company name and included those in the complaint. 

I received a letter from chase telling me that the charges were to old and I would not receive almost {$600.00} in unauthorized charged refunded to me. 

Since chase has never sent me a statement I was not aware of these charges I use the chase mobile app 's quick view feature to check my balances and login only to transfer between accounts and payy credit card so I never noticed these charges until the rep informed me of them. According to the account agreement it says I have 60 days to notify them once I learn of the unauthorized charges but XXXX states I have 365 days to notify them and various other federal laws and regulations state 2 years I feel that chase is allowing criminals to steal money from consumer accounts while offering no protection to the consumer. 

Chase states they monitor my account for suspicious activity but they have failed to find a random company charging my account under multiple names for the same dollar amount unusual however they constantly block my card as unusual on almost every weekly visit to the same grocery store and gad stations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase assessed {$2000.00} interest on a {$6000.00} loan. They have never sent a statement so I can pay the interest charges as I do on my daughter 's other loan. I want to pay the interest going forward but I need statements. I also want the {$2000.00} rescinded since we were not made aware of it at ANY time from Chase. They lied and said they sent statements. They have never sent a statement to any address my daughter or I had. And I was int he same place for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...

Company response to consumer: Closed with explanation