vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: GVA Holdings, LLC
State: KS

Complaint narrative:
Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used my Amex card to reserve and pay for an XXXX rental car. The card provides insurance for rental car use as a benefit and regularly touts such coverage. The car was damaged and I provided all necessary info to the company so that they process the repair through Amex. During this process, Amex 's claim agent kept " denying '' coverage due to repeated inaccurate information : 1 ) I have another car ( it was a previous lease that was returned two years previously ) ( 2 ) I do n't have insurance ( My lease vehicle is a XXXX lease and the insurance is covered by the company as part of the lease ( 3 ) I have to pay my primary deductible ( I repeatedly informed them that there is no deductible in my company car coverage ). I provided repeated documents supporting all the above from ( a ) prior lease company car return ( b ) Insurance detail for the current company car lease ( c ) documentation from the corporate company car department. While all this is going on, I repeatedly request status information on the claim since XXXX is now contacting me directly for payment. I receive nothing. I write both XXXX and Amex re : all this early in the process ... nothing from Amex. I finally call both the Amex Insurance company who wants to return me to the agent that has been the problem from the beginning. I demand a supervisor, who never returns the call. I call Amex corporate and go through the same story. They say they do n't handle it, but their records show the account has been cleared. I finally try writing the General Counsel of AmexXXXX seeking assistance and no reply. This has been going on a year! XXXX will not rent to me any longer and I 'm concerned about the impact on my credit. 
Amex touts this " benefit '' for it 's users as an incentive to use their card and refuse rental car company coverage. This process of " bait and switch '' or outright fraud must be happening to XXXX other card members/users. I want someone at a level of management to be able to act independently to review this file, talk to me if necessary, and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit purchased past credit card debt that I owed with XXXX previous card lenders. what they did was report to the credit reporting agencies as if I opened new lines of credit. I appealed to the credit reporting agencies and XXXX accounts were deleted. But midland credit is now harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: CO

Complaint narrative:
I have opted out of debit card overdraft, meaning they should decline all debit card transactions when there is no money in account. They put through a XXXX charge which overdraw my account by {$3.00} and they assessed a XXXX dollar fee. I called and they were able to reverse the fee and it left my account negative. I was not informed if I left it negative they would then assess another XXXX dollar reacurring fee. Now because they waived the XXXX fee there is nothing they can do I ca n't even close my account until it is paid, because I will receive another fee because I only get paid once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was told I would get a refinance with no points or lender fees. I had conversations with the agent regarding no fees. When the broker sent the me the loan docs ( with no walkthrough or help ) he tried to attach {$1500.00} lender fees into the existing loan, effectively increasing the amount owed. When confronted, he became confrontational and defensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX XXXX card allowed a thief to change my password, address, and request/receive a replacement card to another state overnight. Closed that acct, opened another XXXX and in XXXX days the thief had made a change of address on the new card. Closed account completely. This all took place from XXXX XXXX.Thursday XXXX thru Tuesday XXXX/XXXX/15.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase card advertised sign up bonus of flyer miles/points. I qualified and the online account shows the rewards as 'earned '. My airline flyer account and airline customer service say the points have not been credited. I have been desperately calling/emailing both Chase and the airline to resolve this issue for more than a month to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Loan Balance never going down and I 've been paying on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had nothing but trouble with a chase bank line of credit. The balance is about XXXX. I pay about XXXX per month, although i have been paying extra monthly toward principal. This is the situation. XXXX in 2013 i attempted to refinace my home with XXXX Bank. I still have all emails regarding this. Due to my difficulty in getting a sobordination from Chase i could not refiance at the low rate. It went up during the time i was doing this. In addition my amount was XXXX available but they refused to provide a sobordination unless i signed a paper ... forced lowing my amount to what i owed which was about XXXX. I had no choice..blackmail. Due to their delays and the requirement which took time, i did not get to refinace. Now i have been approved to refiance with Harp at XXXX XXXX. My credit is about XXXX and i have no " dings '' on credit report. At that time in 2013 i paid for the sobordination but never acutally got it or used it as i withdrew my refiance due to all the delays raising amount of interest. Not worth it. Now i would like to refiance and i dont feel i should again pay for this. Especially with the incident i am also complaining about that occured this week. I went to make my payment. I had called to find out the grace period, as i always pay in person and i was out of town on the XXXX the date due. I found out i had 15 days with no late payment. So on last Tues I went to make my payment at the Chase Bank at the XXXX, Fl Branch XXXX. I had the ck written for XXXX as i have done that to pay part on loan and part on principal. They REFUSED to take the check. the insisted it was late and the balance needed to go for late fee. The manager, not to bright, came out and agreed. I called Chase on phone ( they say recorded XXXX these calls XXXX and they verified no late fee. I then took my phone, called chase and put the manager on the Phone with Chase. They advised him no late fee. They had to tell him how to do his job. I had another appointment ( XXXX per hour ) that i could not go to dealing with this treatment by this bank. Then, after hanging up he made me write a new check for the exact amount. To DATE i have not been about to pay on the principle.I then wrote a XXXX check to go to principal. The BANK refused to accept the payment toward principal. I was in a hurry and did not again call Chase to teach this manager how to do his job. So i will be charged interest i should not have based on extra payment. What a bank not allowing you to pay toward principal???? He told me to mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. 

Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. 

Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. 

Hence I need all closing costs refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a used car ( Suzuki SX4 ) in XXXX of 2011. I was consistently making monthly payments of $ XXXX/month until XXXX of this year, when I decided to pay the rest off with money I took out of my IRA. I paid off this money to Chase Auto Finance. I have noticed that XXXX and XXXX show that I did in fact pay it off, but XXXX seems to still show that I owe about {$6300.00} on it. I would like to get this corrected, as I am concerned it will make it hard to purchase another car when the time comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I called to Chase bank telling them that somebody withdraw a money from my Chase bank account. 
On XXXX XXXX, 2015 I received a letter from Chase bank telling me that It is my fault that somebody withdraw money from my bank and they can not give me credit for the {$300.00} somebody withdraw from my checking account, the easy way, I am really do not know why they say that, chase bank had enough time to investigate the guy who did the fraud, and they did not, It was very simple, Chase bank supposed to withdraw money from other bank where the other guy deposited the money and deposit that amount in my checking account, but they did not, or what did they suppose to do with the guy withdraw the money without authorization from my checking account? 
It does not make sense, they did not investigate the guy did the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 


There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?

Company response to consumer: Closed with explanation