vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC
State: OK

Complaint narrative:
Back in XXXX I received a phone call stating that my husband owed this company money and they wanted to resolve it over the phone. I asked what the debt was they told me it was a credit card debt that they wanted taken care of over the phone. I asked for written documentation they told me they could only fax or email me the information. I told them I wanted valid information that they were a legitimate company and that the debt was in fact valid before I would agree to anything. Then in the end they said t hey would send something out. I waited 2 weeks and still nothing but they were calling asking for their money I told them I had not received anything in the mail and I was n't going to pay them anything until I got proof. They sent me a letter stating that I would pay so much a month to pay back the debt. Nothing about documentation regarding the original debt. They said they were going to sue me on a debt that has been removed from the credit report and is no longer valid. I received a phone call asking to speak to XXXX I told the guy on the phone that he was not there he just started telling me information that I needed to tell XXXX not verifying that I was his wife until after he gave me the information. He gave me a bogus case number XXXX and told my husband to call ( XXXX ) them to set up a court date because of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I made a phone purchase for XXXX tickets to a XXXX XXXX XXXX in XXXX XXXX. I used my Chase Credit Card. I selected XXXX seats illustrated on the XXXX XXXX XXXX. The total ticket price was approximately {$450.00}. I then gave my requested Credit card info over the phone. The summary by the agent concluded with a price of {$850.00} as a result of miscellaneous fees, etc. that we 're never disclosed previous to credit card info. 
I requested cancellation. The response was " all sales are final '' followed by a dial tone. 
Within 10 minutes I contacted Chase Dispute Dept. XXXX. I was given a temporary credit subject to investigation. 
The tickets never arrived by XXXX. Chase informed me that the investigation resulted in favor of Online Tickets because I received tickets. This never happened. I requested a XXXX Signed verification. Chase sent me a Proof of Delivery sheet indicating that the tickets were delivered to XXXX in XXXX, Illinois on XXXX/XXXX/2016. I know no such person. Chase said that XXXX probably gave the tickets to me. They also included an Order Review which they never read inasmuch as it said that tickets were for a Rodeo and were paid for with an XXXX CCard. I contacted Chase XXXX 4 times, in a totally frustrated state, relayed the info, and they stood firm. 
XXXX has no record of ticket delivery to me. I never attended the Concert. Online Tickets has no record of a ticket stub, which I 'm told is a requirement. I have contacted Chase, pleaded for logical conclusion, offered to takahe a polygraph test at my expense. 
I have forwarded this explanation and paperwork to the XXXX JP Morgan Chase Board of Directors with attachments. No response. 
The only rational conclusion I can reach is that there is a connection between Online Tickets and XXXX XXXX at Chase with whom I 've explained, shown evidence, etc., I have maintained a spotless, on time record with Chase and am so frustrated that it 's affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We refinanced our home through WAMU in XXXX. After signing the documents WAMU added a predatory loan amount of {$1000.00} month to be charged to our principal. For five years {$1000.00} month was charged to our principal along with interest on a loan balance that ended up being $ XXXX in XXXX when Chase took over our loan. We were not successful in getting this resolved with WAMU before JP Morgan Chase took over our loan. Although after the takeover Chase did stop charging the {$1000.00} month to our principal we have had to pay interest on the {$60000.00} that WAMU added to our principal XX/XX/XXXX-XX/XX/XXXX. 
We have tried working through attorneys, financial advisors, attending homeowner help seminars to no avail. Chase maintains they are " stuck '' with what they bought ( or were forced to take over at the time ). In the past six years since Chase took over our loan we have paid interest on the {$400000.00} balance leaving us underwater from XXXX. We now owe {$350000.00} on our WAMU/CHASE loan that started at {$360000.00} in XXXX and increased to $ XXXX over 11 years. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a chair on XXXX/XXXX/15 for {$950.00} at XXXX XXXX in XXXX XXXX. I charged the amount to my Chase business card. Later I saw that the {$950.00} had been charged twice. I disputed the double charge and initially received a credit from Chase in XXXX. The merchant then submitted documentation to justify the XXXX charge which was a different person, in a different city for a purchase of {$11.00}. I responded to Chase and explained that the merchant had submitted incorrect information. Chase promised to continue the dispute. On XXXX/XXXX/2015 I was rebilled by Chase for the disputed amount of {$950.00}. I called the bank and was told the charge would be handled as a fraud case. I received a new credit card. Today ( XXXX/XXXX/2015 ) I saw online that the charge had not been removed from my account. I called Chase and was informed that the merchant hat verbally stated that the charge was part of an installment plan for a {$5000.00} purchase and the charge was seen as legitimate. As I do n't have an installment plan with this merchant and did n't make a purchase for {$5000.00} I asked the bank to continue to recover the false charge. I spoke with a supervisor who told me this case was closed and that Chase would not pursue the matter further. Previously, a Chase employee had told me " off the record '' that I should contact you to resolve this issue if the bank refuses to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought a watch with a chase card that.stated it was waterproof to XXXX atmospheres ( XXXX feet ) for my son. He went in the water in a pool and clearly the watch got water in it. I took photographs of the watch and sent them to the manufacturer who happened to be in XXXX around the time there was turmoil about them succeeding from the XXXX XXXX. They said to send it back and I was already to do that though I was nervous that the watch would not get there so I called chase to ask them what to do ... I was advised to start a dispute process and that I did not have to pay to return the merchandise and that the merchant should send a return shipping label. So I communicated that back to the merchant.. They refused to send a shipping label and threatened if I sent the watch back they might find that the watch was not faulty ... I tried to upload my documents to the website several times each time with a response that chase had received my communication and would let me know with in 24 hours WHICH THEY NEVER DID ... I had to redispute the charge several times, Chase never gave me any chance to respond to the merchant. And though all calls are monitored miraculously they were unable to listen to the call where the advisor at chase advised me not to return the watch .... They sent me responses from the merchant in XXXX that they had translated but never the translation.. They would say they would investigate and get back to me and then leave a note that they would call me and not call me back, put the charge back on the account without any notification that I would only find out after I called them. MY ADVISE DO NOT USE CHASE TO BUY ANYTHING YOU THINK YOU MIGHT EVER NEED TO DISPUTE THEY ARE VERY DISHONEST. I desire a government investigation into Chase Dispute practices and procedures, an apology from Chase, that they listen to the call that clearly will prove that their representative told me not to return the watch and removal of the {$310.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Copy of my letter to the bank -- which was sent to XXXX instead of the XXXX branchTo whom it may concern : I 'm not sure if this email should go to you or not. But you have a branch here in XXXX XXXX, XXXX that is known to be the worst branch in the city of XXXX XXXX. There 's always a long line with XXXX or XXXX of you banking staff either talking to one another and socializing. Yes, I understand that you want your customers to start using online banking or better yet, the ATM machine. Well guess what? The ATM machine was broken today. 

None of your banking staff had the common sense to think that maybe that new teller needs help with the XXXX people in line -- using their lunch time to bank! 

So just to let you know. Terrible customer service. We all stood in line for over half an hour to put our money into your bank. Wow. This bank was a better bank with awesome customer service when it was known as Washington Mutual!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/XXXX an unauthorized person went online at Chase and transferred money from my savings account and the made XXXX ATM withdrawals in XXXX. {$400.00}, {$800.00} and {$800.00} to total {$2000.00}. My Debit Card never left my wallet and I live in XXXX. When I noticed the transactions, ( XXXX XX/XX/XXXX ) I went to Chase and restricted the account and requested a new account. Chase gave me a temporary credit of {$2000.00} XX/XX/XXXX but then reversed it XX/XX/XXXX and stated that I called XX/XX/XXXX and said I made the transactions. I went to the branch XX/XX/XXXX at had Chase fax a claimed their Fraud Dept stating that I did not authorize the transactions but they refused my claim. 
After several calls to Chase Fraud Dept they have not returned my funds and continues to ignore my faxed claim or my statement that I did not call and say the withdrawals were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
HAMP Modification loan has been permanently modified ... yet still getting calls that i am late ... 

online website to pay does not reflect new payment and that I am behind in payments Customer service has been a nightmare and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC
State: KS

Complaint narrative:
I was contacted by Premium Asset Services LLC, and by a woman named XXXX XXXX. She left a message to verify employment at my office. I contacted the number back and refused to verify my identity over the phone. I asked them not to contact my office again. I have repeatedly asked them not to contact me by phone. I have asked for written documentation of the alleged debt and have not received any other communications regarding this matter. I called the number back to request a mailing address so I could mail a " cease and desist '' letter. The manager I was connected to gave me false information and verbally harassed me on the phone. I have refuse to verify any information via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, Chase placed a block on my checking account. This was not only inconvenient, as it left me without access to my funds, but it cost me {$15.00} out of pocket because I was in the middle of fueling up my vehicle with a {$1.00} per gallon discount. I was unable to fill up the last XXXX gallons and lost the discount. I called Chase twice, since they hung up on me after the first time. They were unable to advise me why they blocked my account. I asked for a supervisor to explain why the block occurred and was promised a call back within 24/48 hours. The called me back a week later to " apologize for the inconvenience ''. I asked the supervisor why the block happened and the sup told me that not only did she not know, but that she would have to forward my request to yet another department to get an answer and could n't give me a timeline for when it would be resolved. C'mon Chase, not only were you not honest when promising me a timely call back, but you did n't even resolve the issue when you did call me back. In addition, when I called on XX/XX/XXXX I was asked for my name, my address, my phone number, SSN, my debit card number, the expiration on the debit card, the 3 digit code AND the pin number. I gave all this to you willingly to verify my identity. Yet, even with all this information you FORCED me to use an automated system to " verify my identity ''. I advised the phone rep that it was absurd to have me provide the exact same information to an automated system, especially given all extensive list of sensitive information I already provided. They did n't care, so just to get through the XXXX with your company, I provided it..again. Your customer service is absolutely terrible, you do not uphold your commitments, your own employees have no idea how to explain why your processes do what they do, and you cost me money, time, and embarrassment when you declined me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Platinum Holdings Group, LLC
State: TX

Complaint narrative:
I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.

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

Complaint narrative:
JP Morgan Chase had shown me to be pre-approved for several of their credit cards. After acting on XXXX of these pre-approvals, I was denied due to having opened too many new credit cards. This practice of pre-approving me for XXXX of their cards, and then denying me for the card when I apply is deceptive and causes my credit score to fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, am the cosigner on a Nelnet Parent Plus loan that my father took out for my brother who was a student at the time. My brother graduated from XXXX University in XXXX 2015 and the first loan payment was due XXXX 2015. My brother had been making consistent payments on his loans and each time he called, he confirmed the full loan balance. As a consequence, my brother, his father and I believed that we were making payments toward a consolidated loan balance that included the amount of the Parent Plus loan. We have come to realize that this was not the case after I received a negative comment on my credit report stating that I have failed to be current on a credit/loan account. When any of the parties to the loan call to find out what the responsibility is, the representative does not share any information on this loan unless you ask them specifically about any loan where there is a cosigner. This makes it very difficult to know my responsibility as a cosigner and has hurt my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation