vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: CA

Complaint narrative:
I paid for a private loan under Genesis for a program I attended in an XXXX XXXX that is now closed down. I am eligible for a federal loan settlement due to the campus, program, and year I attended ; it is one of the many that are being sued for giving false information to students about job placement rates since XXXX XXXX. I paid for a Genesis loan, and asides from having been sued in XXXX for high-interest rates and causing 60 % of students to default while going to school, it turns out that from the start students were lied to about the chances of finding a job. I want a refund from this loan and can not get ahold of my private Genesis lender.

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 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
collection consultants has been reporting my account XXXX. XXXX the credit agency XXXX i have spoken with them many times and request original documentation to show why and how i owe this money they are not able to produce any documentation to verify my debt, i have also requested from credit agency to please provide verifiable proof or remove it from my file. and it did not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I received a letter from XXXX today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
It appears XXXX XXXX inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment XXXX/XXXX/2015 and charged a late fee. The CRS stated I would have to talk to XXXX XXXX about a refund of that fee and claimed I set up a one time payment and not recurring despite their system stating " Starting XXXX/XXXX/2015 quarterly XXXX ''. The transfer process and lack of accountability is unprofessional. I contacted XXXX XXXX in XX/XX/XXXX and they said to talk to ECSI the new servicer and ECSI states to talk to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA

Complaint narrative:
XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.

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 2017-03-01 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: AL

Complaint narrative:
Receivable Performance Management did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature

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 2015-06-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
They use a horrible robot-caller that is barely understandable. The robo-caller does n't connect you to a real person, but instead forces the contact to call back at a different number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or about XX/XX/XXXX I received a Home Loan from Chase Bank for {$98000.00} with a {$620.00} Monthly Payment Account # XXXX. On or about XX/XX/XXXX I received a document from XXXX depicted on XX/XX/XXXX was paid in full. I questioned XXXX about this and XXXX sent letter to XXXX about the above and I have heard nothing else. However, I have been paying monthly mortgage payments for XXXX years and XXXX months towards a paid home loan. That amount comes to without interest and penalties XXXX i want it returned or be reimbursed. 

Further, it appears that a second loan through XXXX was taken on the same property, in the amount of {$92000.00} on XX/XX/XXXX that bears my name and signature. And on XX/XX/XXXX Chase Filed a Satisfaction of Mortgage. Yet I continue to make payments. I am attaching or will provide CFPB with a copy of all records I have proving the above, upon request after I secure Log or case number to mail them to your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase XXXX customer service on XXXX/XXXX/2015 to pay off my credit card. I spoke with supervisor XXXX, she gave me quote of {$1400.00} and I asked her to close my account. I confirmed with her atleast twice about no further payments or charges. She said, this is the only amount I need to pay and the account was closed on XXXX/XXXX/15. I paid the amount in full right away. Today on XXXX/XXXX/2015 I received a new statement with new balance of {$11.00}. I called the customer service and spoke with another supervisor XXXX XXXX. He said, he saw the notes of my previous conversation with XXXX on XXXX/XXXX/2015 and he even confirmed the pay off amount but he said, it could have been a mistake on XXXX 's end or maybe she did n't understand me properly that 's why she gave me wrong quote, which is off by {$11.00}. But I have to pay the {$11.00} because this charge is valid. If the employee ( S ) make a mistake, Chase should take responsibility of their under trained employees instead of making their customers pay for a valid mistake from Chase 's end. I feel like I have been defrauded and scammed by chase and I should not be paying the {$11.00} of charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by XX/XX/XXXX 2015 ; the stated expiration date being XXXX XXXX 2015. However, I had not received these document until XXXX XXXX. These were signed and shipped in the pre-paid envelope provided on Friday XXXX XXXX. 
Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker XXXX XXXX XXXX XXXX by telephone call XXXX located in XXXX, AZ XXXX, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from XXXX XXXX. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed all my email Inbox. 
At the end of the call, she stated that the loan had been terminated because the paperwork was not submitted on time. I stated that I disagreed with that statement and 1. the signed documents were returned the day after they were received and 2. the COIs were pending her email information, which XXXX XXXX never provided. And as per the Chase document, the expiration date XX/XX/XXXX. Chase sent a follow up letter dated XXXX XXXX 2015. It states that " Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. " Based on the way this was handled by Chase and XXXX XXXX, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My auto finance company ( Westlake ) hired a third party company to come, and reposes my vehicle on XXXX XXXX, 2015. XXXX XXXX, 2015 I paid a total of {$1500.00} in back payments and towing fess plus a XXXX months in advance for the upcoming months. When I went to retrieved my vehicle it had physical and mechanical damaged to it, and was not drivable I then contacted the finance company in regards to my issue. They were very unsupportive of my concerns. In response to the poor customer service I stated to the representative that I was surrender all rights to the vehicle due to a breach in contract, and I would like to be refunded for all towing fee 's alone with the two months in advance of payments. Plus the remainder of the loan debt to be cleared of my name, because the vehicle was no longer of service to me due their negligent. The representative rudely denied my request, and stated to me that I need to contact the towing company which they did n't even provide me with the towing company information. which brought me to you all for some legal advice or help with this matter thanks in advance for time and service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.

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 2016-08-04 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have credit cards with Chase and I have contacted them to arrange payment. I indicated to their customer service contractor that I am having difficulty in meeting the even the minimum payments on all of my credit cards. I asked them if they have the same program that XXXX have extended to me ( 59 and 60 months repayment plan with lower interest rates ). They said that they do not offer such a plan and I should pay my credit card. I want to pay off my debt but I just need time to get caught up. Thank you for whatever help you can extend to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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:
My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I paid my XX/XX/XXXX mortgage payment at Chase bank, XXXX XXXX XXXX XXXX, NV on XX/XX/2016. I called the automated system on XX/XX/XXXX & XX/XX/XXXX to make sure that payment had posted to my account. The payment was not there.I called the branch on XX/XX/XXXX and was told they could see my payment in the system, so I contacted the call center and was told the teller made an error, but my payment would be posted. I called back on Monday, XXXX XXXX and was told it would post by the end of the day. I called back on Tuesday and once again I was told it would post by the end of the day. On Wednesday I contacted the call center, asked for a manager, and spoke to someone that was extremely rude, she told me " humans make mistakes '', and then she hung up while I was still speaking. I called the branch manager, and was told she could n't get a response from anyone at the call center regarding the posting of my payment. 
She gave me the number for Corporate, but this is still unresolved. Where is that payment that I made on XXXX XXXX?

Company response to consumer: Closed with explanation