vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I have applied for Chase Freedom credit card and was denied because " Too many credit cards opened in the last 2 years. '' I feel this is a discriminating policy against divorced people ( I got divorced last year ). During a divorce the parties are forced to close credit cards that are issued on both names and open new cards with de-novo credit inquiry and credit check. There is no way around it, the accounts have to be closed and new credit cards ( CC ) have to be issued. Even though I have had another CC with Chase for 10 years with no late payments and no carryover balance ever on the account and even thought I was approved for house refinancing twice after the divorce and was approved for about XXXX CC, Chase had denied my application. When I called to depute the issue, I got to talk to XXXX ( the senior support specialist ) and he was no help. He kept putting me on defensing by constantly asking why do I feel that Chase discriminates divorced people. Instead of giving me any solution to the situation I was forced to defend why I felt the way I was. XXXX did n't tell me when I can reapply and what is an acceptable amount of CC that could be opened in the past 2 years. I feel this is an unfair policy that is discriminating against divorced people, and yes I know that Chase was n't notified of my divorce, but anyone knows that divorced people will have too many CC opened in their name right after the divorce, and I do n't know about another group of people that is going to have a lot of CC opened in a short period of time. So, yes, this policy is discriminating. There could be better parameters used to avoid such a discrimination and still provide Chase with " credit safe '' customers. If I was approved for refinancing my house twice during the past 2 years, I do n't think getting a CC should be an issue, I did n't ask for a particular credit limit or credit transfer, which I never use. So being denied really feels like a discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XXXX/XXXX/16 my father instructed and provided his girlfriend with account information to send a quick pay to my account in the amount of {$2000.00}. At this time my father was alive and well, during the course of day on or about XXXX/XXXX/16 my father was murdered which was unknown to myself or the girlfriend. The quick pay was sent at some point on or about XXXX/XXXX/16 my grandfather became upset that he wasnt listed as a beneficiary and decided to make a fraud claim without in basis. The bank than proceeded to close accounts and send my father funds via XXXX. According to the bank on XXXX/XXXX/16 I went to provide death certificates and request rights of survivor-ship and beneficiary information my account was being frozen until the fraud department was finished with an investigation. On or about XXXX I went in back to withdraw funds from direct deposit from my employer and child support when I was notified by a teller that all my funds had been sent back, the remaining funds were sent via mail in form of check on XXXX/XXXX/16 to address on file. As of XXXX/XXXX/16, none of the funds have been received and my employer has stated that no notification of returned funds has been received. I have called the customer care and executive office for assistance regarding how Chase JP Morgan has mishandled my funds and account. Chase bank has not provided any instruction on how to handle an account in the event of a death, or rules that states you cant provide another person access to account if the customer wishes engage in such practice. Launching a fraud case without all the facts is bad business practices and causes a disruption in an situation that has no intention of anyone involved committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
I have XXXX advocate representing me and they called and sent out XXXX & via us mail to stop calling me & then they started not only calling me but also my work which then XXXX sent them another XXXX & also phoned them to cease but my work got another call from them today I am a home care provider I 'm out in the field I 'm not aloud to receive person calls & such I can lose my job over this and I told them this and yet they still continue. Please help me with this situation, I need my job. Thank you!!

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 2015-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: POPULAR BANK
State: IL

Complaint narrative:
I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.

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 2016-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK
State: IL

Complaint narrative:
I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.

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 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: IN

Complaint narrative:
Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: WA

Complaint narrative:
This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I paid XXXX directly for a balance i had. I got a alert on my credit account after i paid for the balance by a collection agency stating i owed a balanced when i did pay it off.in addition i never got any notice from a collection agency. They never sent me a notice. I did stay in touch with XXXX and there should be recorded conversations that i did call them to let them know i was going to be late and that i was going to reestablish service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FCI Lender Services Inc.
State: AZ

Complaint narrative:
Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.

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 2016-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I paid XXXX {$3000.00} for foreclosure help and a loan modification. They have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Son received phone call to his cell phone looking for me. I was informed to contact XXXX XXXX about an outstanding debt. XXXX informed me that I owe a debt from 1985 from XXXX XXXX XXXX in the amount of {$2000.00} plus $ XXXX+ in fees and penalties. She had my full Social Security number and read it back to me over the phone. I was told that if I did not pay this now, I would face arrest and I would be met with my wages being garnished and property will be seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP

Complaint narrative:
On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. 
He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. 
On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I was informed on XX/XX/2017 by XXXX XXXX that I was approved for a loan modification. XXXX said I would received the modification by XX/XX/XXXX or contact him if not received. XXXX explained that they could not fit the 4 percent on the modification and I will have 4 months of a trial payments. If I did not want to receive this offer XXXX stated unless you have {$8000.00}. XXXX explained after the 4 month trial payment the mortgage can increase due to taxes. XXXX instructed me to do XXXX and all instructions will be included in the modification package once received. Question was will this Loan modification will be a permanent modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I had a XXXX XX/XX/2014. I was sent a copay in the mail that I forgot to pay until XXXX 2014, then I paid it. The bill was {$90.00}. Since then I have had a mark on my credit report for an unpaid bill of {$900.00} to Credit Control Corporation. This has been two years, I paid my bill and have had a lowered credit score and sent out to collection anyway. For two years this has lowered my credit score to XXXX, I need this resolved!

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